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As the electric vehicle (EV) industry continues to accelerate, 2025 promises to be a big year with several new EV
A benefits advisor plays an essential role in helping businesses navigate the often complex world of employee benefits. From health
As the temperatures drop, it’s natural to crank up the heat and keep cozy indoors. However, this can quickly lead
As the holiday season approaches, many of us are gearing up for travel—whether it’s visiting family for Christmas or jetting
On October 10, 2024, Canada reached a historic milestone by passing national pharmacare legislation, a major step toward ensuring equitable
Test driving a new vehicle is an exciting part of the car-buying process, but it’s also one of the most
In today’s fast-paced work environment, mental health is more important than ever. As an employer, one of the best ways
Auto insurance is a necessity, but that doesn’t mean you have to pay sky-high premiums. By making a few smart
As the crisp autumn air settles in, farms face new risks and challenges that can leave them vulnerable without the
Electric vehicles (EVs) are rapidly transforming the automotive landscape, with regenerative braking being one of the most innovative and environmentally
Halloween is full of spine-chilling movies where characters face terrifying situations. But what if they’d had life insurance? Let’s look
The Canadian Dental Care Plan (CDCP) is a recent initiative designed to expand access to dental care for millions of
Ontario’s auto insurance reform takes effect July 1, 2026. The new modular system makes many accident benefits optional, allowing drivers to customize coverage and potentially lower premiums, but increasing the risk of coverage gaps if key protections are removed. Big Changes Are Coming to Your Car Insurance Starting July 1, 2026, Ontario will introduce what’s called a modular or à la carte auto insurance model. Instead of every driver automatically paying for the same package of accident benefits, you will be able to choose the coverage that fits your needs and financial situation. The goal of this change is to give drivers more flexibility and, in some cases, reduce premiums. However, more choice also means more responsibility when it comes to protecting yourself and your family. These changes are part of the province’s broader auto insurance reform and are being implemented under the oversight of the Financial Services Regulatory Authority of Ontario (FSRA). What You Must Keep and What You Can Skip After July 2026, only three core accident benefits will remain mandatory: Medical care Rehabilitation Attendant care These cover essential treatment and support if you are seriously injured in a collision. Everything else will become optional, including:
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