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In celebration of small business week 2011, a great new article is up on the CBC's website about Private Health Services Plans, and excellent vehicle for business owners to deduct their medical and dental expenses: http://www.cbc.ca/news/business/smallbusiness/story/2011/09/16/f-smallbiz-phsp.html.
I had the pleasure of being interviewed by CBC for the article, please let me know what you think!
Rachel
File this item under very cool! Sun Life just announced the launch of their free smartphone app that will allow employee benefits plan members submit health and dental claims from their phone. The app will also allow members to check their claims, and access their plan cards. This is a first for a group benefits insurer in Canada.
Hopefully other insurers follow suit. The Sun Life app launches September 7th, and will be available for Blackberry and iPhone users.
For more information click here.
For the first half of 2011, the average dispensing fee in BC is $9.95. Here are the current dispensing fees for a variety of pharmacies in BC in order of most cost effective to least:
COSTCO $4.46
EMERGIS REIMBURSEMENTS $8.78
PHARMA PLUS / MEDICINE SHOPPE $9.49
ZELLERS $9.54
SAVE ON FOOD & DRUG $9.58
SANTE SERVICES $9.59
MEDITRUST (mail order) $9.59
LOBLAWS $9.60
OVERWAITEA $9.62
LONDON DRUGS $9.62
WAL MART $9.63
PHARMX REXALL $9.94
INDEPENDENT $10.18
MEDICAL PHARMACIES (OSH) $10.35
CANADA SAFEWAY $10.54
PEOPLES $10.58
SHOPPERS DRUG MART/PHARMAPRIX $10.72
PHARMASAVE $10.86
A couple of updates from Alberta Health Care and BC Pharmacare:
- Alberta - Effective October 2011 – Medically necessary treatments for eye-related diseases (i.e., glaucoma, diabetes mellitus, cataracts, etc.) will be covered for all Albertans regardless of age, under the Alberta Health Care Insurance Plan.
- BC - Effective July 4, 2011 – Prices for all new and existing generic drugs covered under the Lowest Cost Alternative (LCA) drug program were reduced to 40 per cent of the brand drug. Dispensing fees are now $10 with a markup of 8 per cent.
- Effective September 30, 2011 – Nicotine replacement therapies will be available to all British Columbian smokers at no cost, and smoking cessation prescription drugs will be covered as benefits for British Columbians who are registered with PharmaCare.
ROE Web is a free service provided by Service Canada which allows Record of Employment production and management online.
With ROE Web, you can issue one or hundreds of ROEs online at the touch of a button. This service ensures accuracy by checking for errors before submission, reducing follow-up calls from Service Canada. It's also great for reducing your paper burden by eliminating the need to order or store paper ROE forms, keep paper copies on file, or send copies to Service Canada.
For additional information access the website or call 1-800-385-5470.
The Employment Insurance (EI) maximum yearly insurable earnings increased from $43,200 to $44,200 effective January 1st, 2011. As a result, the maximum weekly EI benefit amount will rise from $457 to $468.
The EI Premium Reduction Program allows employers to pay Employment Insurance premiums at a reduced rate if their employees are covered by a Short Term Disability plan that meets certain requirements set by Human Resources and Skills Development Canada (HRSDC).
To be considered for a premium reduction, a plan that provides Short Term Disability benefits to employees must:
• provide at least 15 weeks of benefits for Short Term Disability
• match or exceed the level of benefits provided under EI ($468 effective January 1, 2011)
• pay benefits to employees within 14 days of illness or injury
• be accessible to employees within three months of hiring
• cover employees on a 24‐hour‐a‐day basis
For additional information on the premium reduction program you can visit: www.servicecanada.gc.ca/prp.
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Benefits Plans
True Benefits can help you find the best employee benefits plan.
We have access to over 25 insurers, including the Chamber of Commerce Group Benefits Plan.
Life Insurance Rates
Here are monthly Term 10 Life Insurance rates for a healthy, non-smoker as of Sept 2011:
| Women | |||
| $250,000 | $500,000 | $750,000 | |
| Age 25 | $12 | $18 | $24 |
| Age 35 | $14 | $22 | $30 |
| Age 45 | $22 | $35 | $51 |
| Age 55 | $52 | $88 | $130 |
| Men | |||
| $250,000 | $500,000 | $750,000 | |
| Age 25 | $18 | $28 | $39 |
| Age 35 | $19 | $29 | $42 |
| Age 45 | $30 | $53 | $78 |
| Age 55 | $72 | $135 | $201 |
For a free personalized insurance quote, click here.
Clients Say:
"Rachel is professional, courteous and very knowledgeable while providing outstanding customer service. She is well prepared, delivers personal service, and understands our desire to provide the best possible benefit plan to our employees in the most cost effective manner."
"I appreciate having a person who is both local and accessible, and was impressed with the initial presentation outlining the options available to us. It is extremely helpful to have Rachel advocating on our behalf."
"True Benefits has totally met our needs. Rachel gives personalized attention, and is very thorough. She has suggested many good ideas that we have used to benefit our employees."
"I have referred many clients to Rachel in the past, and without exception, they have all commented to me on her professionalism, vast industry knowledge, great service, and fast response time."
Thank you for everything that you have done for our family. We are grateful for all your hard work. We look forward to working with you again in the future.
"True Benefits has an understanding and awareness of the importance of an effective benefits program. They're proactive in looking for cost effective improvements to plan design and cost containment strategies. My expectations were exceeded - Rachel delivered as promised in a timely manner."
"Thank you Rachel. Great service as always. You anticipated our needs."
I used True Benefits to sort through a tricky health insurance issue related to immigration status and an expired work permit. Rachel recommended a cost effective solution and quickly verified the policy was the best choice for my situation. My new health coverage was effective within 2 hours of my initial call to Rachel! I highly recommend working with Rachel at True Benefits for cost effective solutions and friendly and efficient service.
Your attention to detail and willingness to never to never take "no" for an answer on my behalf left me in awe of your business ethics.
I will continue to use your services, based on your work ethic and my ability to trust that the policy you are suggesting is perfect for me.
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