Yesterday, I read an article by an LTD claims lawyer about people with declined claims. He said you need to get a lawyer to sue your insurer to pay the claim. His premise is all insurance contracts are the same. That premise is not correct. Gold. Silver. Wheat. Soya Beans. Those are commodities and […]
Insurance is not a commodity Read More »
AND THOUGHTS FOR NEXT YEAR Happy end of year everyone!I want to begin with a thank you. This year was different than any of my prior 20 in the business. As we worked to regain as much of our old normal as possible, insurance company responses were slowed due to lack of employees and
Happy Holiday Thank You Read More »
WHAT YOU NEED TO KNOW ABOUT YOUR INSURANCE The world is getting back to the old normal and we are traveling again. Here are some thoughts and recommendations about travel insurance during the time of Covid. If you do not have travel insurance, get it! It is very low cost and can cover you
Travel Insurance Reminder Read More »
WHEN YOU HAVE EMPLOYEES WORKING FROM HOME I admit it. I am not up on all of the details about every industry in every province in regards to provincial Workers’ Compensation Coverage rules and policies. Today, people work from home. Some are in the same province as theirhead office. Some work in other provinces.
Questions for your provincial Workers’ Compensation Coverage Read More »
Buying medication at the pharmacy is getting more complex. If you are on high-cost medication or a specialty medication, the information below will help. Your pharmacist may say you need your physician to fill out a special form to send to your insurance carrier for approval. Your insurance plan will limit any first claim
High Cost Medication – What you need to know & do Read More »
To save money, many people feel that they can take a smaller part of their prescribed medication. Lots of people feel they simply do not need the medication their Dr has recommended. Studies have shown that if you do not take medication as prescribed, the medication will reduce in effectiveness and you will need
CAN YOU SAVE MONEY BY REDUCING YOUR PRESCRIPTION? Read More »
ARE YOU REALLY GETTING A BETTER PRICE? Every year, your group benefit program is reviewed by your insurer based on premiums and claims paid. The various insurer fees are then added to that ratio. Every insurer does this and has the same cost-base so they all have the same fee structure. Some insurers are
GROUP BENEFIT DISCOUNTING Read More »
GROUP Education Series THE FOLLOWING PROGRAMS are available to your company to help educate you and your employees. We have learned that by providing these opportunities to your employees, the following benefits emerge: Employees are happier and feel safer. This usually equates to lower employee turnover. Your HR team gets fewer questions and spends
Group Education Programs Read More »
This is part 3 in my Celebrating 20 Years series, click here for Part 1 and here for Part 2. Everyone starting a business does not know what they need to know This statement really applies to all parts of life. Since I work predominantly with business owners, we will keep it in the
Starting a business Read More »
This is part 2 in my Celebrating 20 Years series, click here for Part 1 and here for Part 3. There is a major lack of education about financial wellness. Educational experts believe that our ideas about money are set by the time we are 7 years old. Parents. Talk to your kids about money. Start
Celebrating 20 years! – Part 2 Read More »
