A discussion of how a claim is defined by benefit category – Life Insurance, Accidental Death and Dismemberment Insurance, Critical Illness, Short Term Disability, Long Term Disability, Health and Dental – who it applies to, and general commentary surrounding market prevalence
An overview of Canadian Human Rights Legislation at Federal and Provincial levels and applicability to Group Insurance and Employee Benefits
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
Drug reform has swept across Canada with 5 provinces making changes in 2010 and 2011 to the way generic drugs are regulated in Ontario, Alberta, British Columbia, Quebec and Nova Scotia. The proposed changes drastically change the drug landscape and the delivery of drug benefits, both from the public’s perspective through government-funded programs, and from the private perspective and employer-provided group health insurance programs.
A benefits consultant is an important intermediary in the group insurance and employee benefits marketplace. If you want to get a better understanding of what a benefits consultant is, how they can help manage your employee benefits plan, the services they provide, and how to go about choosing one, then check out this article.
Fully pooled is a fully insured underwriting method typically used for smaller groups as well as those benefits that have a low incidence of claim but a high claim amount irrespective of size. Typical for out-of-country and accidental death and dismemberment benefits as well as Basic Life and Long Term Disability for smaller employer groups.