Comments for Benefitsconsultant.ca http://www.benefitsconsultant.ca Practical and Timely Group Insurance and Employee Benefits Advice! Wed, 21 Dec 2011 21:32:39 +0000 hourly 1 http://wordpress.org/?v=3.3.2 Comment on Group Life Insurance by Benefitsconsultant.ca » What is the Life Insurance Conversion Option? http://www.benefitsconsultant.ca/group-benefits/group-life-insurance.html/comment-page-1#comment-4978 Benefitsconsultant.ca » What is the Life Insurance Conversion Option? Wed, 21 Dec 2011 21:32:39 +0000 http://www.benefitsconsultant.ca/uncategorized/35/#comment-4978 [...] be required to provide evidence of good health.   For a broader discussion, please see our group life insurance tutorial. Related [...] [...] be required to provide evidence of good health.   For a broader discussion, please see our group life insurance tutorial. Related [...]

]]> Comment on Short Term Disability Insurance by Leo Biblitz http://www.benefitsconsultant.ca/group-benefits/short-term-disability-insurance-2.html/comment-page-1#comment-3943 Leo Biblitz Tue, 26 Jul 2011 19:47:58 +0000 http://www.benefitsconsultant.ca/?p=116#comment-3943 Few workers have any idea how to apply for disability benefits - the medical evidence required and the amt to expect or even where to obtain that info. It would be helpful to include this info here and to remind all concerned that time here is of the essence. Workers must apply with the requisite medical evidence in a very timely manner and are well advised to seek legal counsel early in the claim to ensure proper procedures are foll'd on bth sides. Helpful info like this should be much more widely available as a general rule. Anything less results in ugly and expensive litigation at a time when sick/injured worker should be directing energies toward recovery. Few workers have any idea how to apply for disability benefits – the medical evidence required and the amt to expect or even where to obtain that info. It would be helpful to include this info here and to remind all concerned that time here is of the essence. Workers must apply with the requisite medical evidence in a very timely manner and are well advised to seek legal counsel early in the claim to ensure proper procedures are foll’d on bth sides. Helpful info like this should be much more widely available as a general rule. Anything less results in ugly and expensive litigation at a time when sick/injured worker should be directing energies toward recovery.

]]> Comment on Long Term Disability Insurance by L.A. WALKER http://www.benefitsconsultant.ca/group-benefits/long-term-disability-insurance.html/comment-page-1#comment-3924 L.A. WALKER Mon, 11 Jul 2011 10:38:50 +0000 http://www.benefitsconsultant.ca/?p=96#comment-3924 THANK YOU! THIS IS INVAULABLE INFORMATION. I WAS NEVER EVEN TOLD WHO MY LTD CARRIER WAS NOR WAS A POLICY MADE AVAILABLE FOR MY REVIEW SO I WOULD UNDERSTAND MY BENEFITS. THANK YOU! THIS IS INVAULABLE INFORMATION. I WAS NEVER EVEN TOLD WHO MY LTD CARRIER WAS NOR WAS A POLICY MADE AVAILABLE FOR MY REVIEW SO I WOULD UNDERSTAND MY BENEFITS.

]]> Comment on Group Health Insurance – Prescription Drugs by Benefits Consultant http://www.benefitsconsultant.ca/group-benefits/group-health-insurance-prescription-drugs.html/comment-page-1#comment-3922 Benefits Consultant Tue, 21 Jun 2011 15:51:05 +0000 http://www.benefitsconsultant.ca/?p=214#comment-3922 Coverage is provided based on the employer-provided plan design and can vary from employer to employer. Typically dispensing fees are covered within Canadian healthcare plans, however more recently employers have been building consumerism levers into their plan by implementing dispensing fee caps. By implementing a cap at say, $8.00 per prescription, if employees have their drugs dispensed at lower cost pharmacies (Costco, Loblaws, Walmart, etc.) who charge dispensing fees of $6.00-$8.00 per prescription, their dispensing fee will be covered through the plan. However if employees have their drugs dispensed at Shoppers Drug Mart or Rexall, where dispensing fees are $10.00-$13.00 per prescription, then employee will need to pay the difference. To confirm what is covered, always refer to the group insurance contract or employee booklet of the employer-sponsored group benefits program. Coverage is provided based on the employer-provided plan design and can vary from employer to employer. Typically dispensing fees are covered within Canadian healthcare plans, however more recently employers have been building consumerism levers into their plan by implementing dispensing fee caps. By implementing a cap at say, $8.00 per prescription, if employees have their drugs dispensed at lower cost pharmacies (Costco, Loblaws, Walmart, etc.) who charge dispensing fees of $6.00-$8.00 per prescription, their dispensing fee will be covered through the plan. However if employees have their drugs dispensed at Shoppers Drug Mart or Rexall, where dispensing fees are $10.00-$13.00 per prescription, then employee will need to pay the difference.

To confirm what is covered, always refer to the group insurance contract or employee booklet of the employer-sponsored group benefits program.

]]> Comment on Group Health Insurance – Prescription Drugs by Alexander Duncan http://www.benefitsconsultant.ca/group-benefits/group-health-insurance-prescription-drugs.html/comment-page-1#comment-3920 Alexander Duncan Tue, 07 Jun 2011 19:15:42 +0000 http://www.benefitsconsultant.ca/?p=214#comment-3920 Are dispensing fees covered by group health insurance? Are dispensing fees covered by group health insurance?

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