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Just over 15 years ago I started my first job in the employee benefits world, as a group insurance sales representative for a major insurance company in Edmonton.  Like most people who have careers in insurance, it wasn't something I had planned. I was referred in for the opportunity by a...

Is the person you are paying to help arrange and organize your employee benefit plan or retirement plan earning their money? It's a question that a broker will often wonder, typically around renewal time. That internal conversation often depends on the commission amount, and what happened that...

If you happen to be operating in an industry where inflation has increased the price of your products or services faster than general rising costs you are in the minority. Inflation burning hot has increased production and wage costs, and eaten into margins for most businesses. At the same time,...

A curious scenario today that might become more of an issue in the future is how employer sponsored retirement plans may address non-traditional households to ensure spouses are properly designated with benefit providers.In December 2022, the Supreme Court of Justice of Colombia made a surprising...

Employers are in uncharted waters today with respect to managing expectations in a post work from home world. Productivity, retention, recruitment, and the ability to build cohesive culture are all facing new challenges that emerged out of adaptations made during the spring of 2020 and have...

As a business owner in Canada, managing your healthcare expenses can be a daunting task. In addition to offering employee benefits in your company there are other ways you can make sure you are taking care of yourself in a tax-effective way: a Health Spending Account (HSA) and the Medical Expense...

Canadians are feeling the financial crunch as cost of living soars and wages struggle to keep pace. For most companies, endlessly raising pay is not a viable solution to help their team members navigate these challenging times. However staff feeling unsupported could result in higher turnover,...

The Canada Pension Plan (CPP) is a mandatory pension program in Canada that provides a basic level of earnings replacement to eligible workers in retirement, in case of disability, or upon death. It is one of Canada's public retirement income systems, along with the Old Age Security (OAS) program....