EI Benefit changes for 2015
The Federal Government has announced their changes to the Employment Insurance program for 2015. Effective January 1st, the maximum insurable earnings is $49,500. In Quebec the employees will...
View ArticleTaxation Changes to Short and Long Term Disability
Effective January 1, 2015 Canadian Revenue Agency (CRA) will require claimants to remitted adequate taxes with each payment where they are receiving disability payments on a taxable basis. Currently,...
View ArticleIt’s Only 0.25%!
The impact of fees on the performance of funds is dramatic over an investor’s lifetime. While regulations require investors are provided access to fees through a variety of means (paper and electronic...
View ArticleRob from St. Peter’s to pay St. Paul’s?
On December 17, 2014 the Ontario government published its consultation paper on the Ontario Retirement Pension Plan (ORPP) slated to begin in 2017. The paper provided some disturbing implications on...
View ArticleTech Trends in 2015 Translated to People
The big four tech trends in 2015, Big Data – systems that can harvest the information and allow you to use it for your competitive advantage is a critical success factor to any organization. So why is...
View ArticleWhat Are SME CEO’s Talking About These Days?
I’ve had the opportunity to spend some time with some innovative SME CEO’s recently. While the economy, the dollar, and the perceived deflationary environment that we are living in are all important...
View ArticleWhat About Financial Fitness?
There is much being discussed in the employee benefits and HR worlds around wellness and heath, but very little on the core issues at hand within most organizations. Financial fitness is a real problem...
View ArticleAre Flexible Benefits Just for the Big Guys?
As we face a growing diversity in our workforce, the same old one size fits all employee benefits solution is becoming increasingly problematic. Let’s face it, are we all the same? Granted that...
View ArticleI’ll Take a Drug Plan With Travel Please!
Recently I came across a prospective client who was utilizing a health spending account to provide reimbursement of their plan member Health and Dental claims. The allocation was a modest amount that...
View ArticleIt’s Starting to Add Up!
Stop-Loss pooling is a feature embedded in most fully insured programs to limit the risk of large health claims driving up insurance premiums. Normally when providers calculate the renewal, they look...
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