Group Insurance – To self-insure or not, that is the question

If yes, sponsors bear greater financial liability Among the many challenges facing HR departments, one of the most common and challenging is how to rein in the rising costs of employee benefits. In 2009, once again, group benefit plan renewals have been characterized...

Staff or Contractor – Where the Line Is Drawn

The line that distinguishes an employee from an independent contractor isn’t always clear. But blurring it can result in serious implications for both the worker and the employer. With as many as one in four individuals in the workforce either on temporary contracts...

Executive Medicals: An Incredible Body of Work

It's 7:45 a.m., and several executives are gathered on the 15th floor of a downtown office building. The clinic is busier than ever these days. That's a reflection of the overall increase in the number of executives whose health care is being looked after by their...

Managing Disabled Employees

When an employee becomes disabled due to illness or injury, they are eligible to apply for long term disability benefits, which if approved, will continue to age 65, so long as the employee continues to satisfy the definition of disability in the contract. Your...

Benefit Continuation for Disabled Employees

Disabled employees can represent a significant continuing liability under group insurance plans.   Employers are often under pressure to discontinue benefits, but find it difficult to deal with the specific circumstances involved in each case. There is a lack of...

Quebec Voluntary Retirement Savings Plan- Update March 2016

The Quebec government has regulated that starting on December 31, 2016, all companies with a business establishment in Quebec with at least 5 employees, who have at least 1 year of uninterrupted service, will be required to set up a Voluntary Retirement Savings Plan...