Group Benefits

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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 Education Programs

Group Education Programs

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

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business coach

Starting a business

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

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Celebrating 20 years!

Celebrating 20 years!

TIME HAS GONE BY SO FAST. WHAT HAVE I LEARNED? Those of you who know me, know that I entered this industry at a tough time in my life. I had left my chosen career as an elementary school teacher as my wife of 2 years was beginning her fight with a brain tumor.

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Health Tax Credit Canada

Personal Health Tax Credit

Your personal health insurance premiums count as a credit or expense on your taxes. If you are a family, they count under the Medical Tax Exemption Credit just like any regular medical expense. If you own a business, you may be able to deduct the premiums as a non-taxable expense. For BBD / Green

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Professional Advisor Services

Do you have a Professional Group Benefits Advisor? The team at Naviguide are Professional Advisors. The amount you pay for a broker or a Professional Advisor is the same. A Professional Advisor will: Review how you run payroll to ensure your plan is tax optimized and T-4 boxes 14, 40 and 85 are all

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National Employee Benefits Day

National Employee Benefits Day takes place every April to recognize the plan administrators, personnel, trustees, and advisors who dedicate their services to providing the best benefits services & support possible. (You probably rank this occasion somewhere behind national beer or wine appreciation day) This year, mental health support is the focus of the day. As such, below you

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PharmaCare Changes in 2019

BC changed the rules around Pharmacare on January 1st of this year. These changes will save money. The biggest change is that they have lowered or eliminated the deductible that we had to pay. Lower incomes now have a $0 deductible. If you are not registered for Pharmacare, below you will find a link

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