Recent Articles

Flexible Benefit Program Mechanics

A discussion of each of the different types of Flexible Benefits programs including Add-On, Opt up/down, Modular, Core Plus Options, Flexible (Cafeteria), Health Care Spending Accounts. Adverse selection is defined and a number of options to help reduce or minimize the impact of Adverse Selection within a Flexible Benefits program are outlined.

Reasonable and Customary Fees

A description of reasonable and customary fees, how they are developed and implemented within Canadian group insurance and employee benefit plans.

Employment Standards

An outline of Canada’s Employment Standards legislation highlighting the key statutes and standards set both Federally and Provincially as they relate to Canadian employees.

Group Dental Insurance

A discussion of typical coverage, practices and the practical application of group dental insurance coverage included in Canadian employer group benefit plans.

What is the Life Insurance Conversion Option?

The Life Insurance conversion option provides an employee whose group insurance coverage is ceasing to convert their current Basic and Optional Life insurance amount to an individual insurance policy without the need to provide evidence of insurability. To exercise the conversion option, the employee must fill out and return the relevant forms to their group insurance […]

What is Group Insurance and Why Should You Provide it?

A discussion of Group Insurance, typical Group Insurance coverage in the Canadian marketplace, the advantages of providing a Group insurance plan and the conditions and elements needed to arrange a Group Insurance policy