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Why Premiums Are Soaring Employers are seeing group health plan costs climb faster than almost any other business expense. Prescription drug prices have skyrocketed, particularly for biologics and specialty drugs that can cost tens of thousands of dollars per patient each year. Hospitals and outpatient treatments are charging more as
Open enrolment is the period when employees can review, update, or make changes to their group benefits plans. Outside of this window, changes are usually limited to life events such as marriage, the birth of a child, or other qualifying circumstances. This structured timeframe helps both employees and employers stay
Offering group benefits is one of the most powerful ways a small business can compete for talent, improve retention, and show employees they’re valued. But designing a group benefits plan is more complex than simply signing up for the first package you’re offered. Without careful planning, it’s easy to end
When it comes to attracting and retaining top talent, many employers default to salary as the ultimate bargaining chip. It’s a tangible number, easy to compare, and hard to ignore. But in today’s evolving workforce, compensation is more than just a number on a paycheque. Employees are looking for meaningful, long-term
With the Canadian government expanding the Canada Summer Jobs program to create up to 6,000 additional employment opportunities, more businesses are welcoming students into their operations this season. It’s great news for youth employment and for employers looking for energetic, eager-to-learn team members during their busiest months. But if
As a small or mid-sized business owner in Ontario, you’re constantly balancing two priorities: keeping your team happy and keeping your expenses in check. Offering competitive benefits used to mean stretching your budget to match big-company health plans – but not anymore. Enter the Health Spending Account (HSA): a tax-effective,
Pensions have long been a cornerstone of retirement planning, providing financial security for millions of retirees. However, as demographic trends shift and life expectancy continues to rise, the sustainability of traditional pension systems is becoming an increasingly urgent concern. With an aging population, lower birth rates, and evolving workforce dynamics,
Healthcare wait times in Canada continue to be a growing concern, with patients facing significant delays for diagnostic tests, specialist appointments, and critical medical procedures. According to recent data, the median wait time from a general practitioner referral to treatment now stands at 30 weeks—far beyond what’s considered medically reasonable.
Work benefits are an essential part of any compensation package, providing financial security, health coverage, and additional perks that support employees beyond just their paycheck. Whether you’re starting a new job or simply reviewing your current benefits, understanding what’s available can help you make informed decisions for yourself and
Running a business involves managing risks, and one of the most important risks to consider is the unexpected loss of key employees or business owners. While it may not be the first thing that comes to mind, life insurance can play a crucial role in your business’s financial strategy. Not
For business owners, choosing the right healthcare benefits can have a major impact on both cost savings and convenience. While several options exist, a Health Spending Account (HSA) offers superior advantages compared to alternatives like a Private Health Services Plan (PHSP) or an Administrative Services Only (ASO) plan. From
When it comes to employee benefits, one size does not fit all. While traditional group benefits plans offer structured coverage, they don’t always meet the diverse needs of today’s workforce. That’s where a Health Spending Account (HSA) comes in—offering unmatched flexibility and control over healthcare spending. If you’re an
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