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For Manulife FlexCare and FollowMe plans click HERE 

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For Sun Life PHI personal health plans click HERE

Poll

What type of coverage do you most need help with?
Life / Mortgage Insurance
23%
Disability Insurance
16%
Employee Health & Dental Benefits
25%
Critical Illness Insurance
19%
Personal Health Trust/PHSP
18%
Total votes: 266

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Legislative Updates 2012-2013

 

Federal Updates:

Employer contributions to a group sickness or accident insurance plan 

As announced in  the Federal budget released in March 2012, employer contributions to a group sickness or accident insurance plan, such as accidental death and dismemberment or critical illness insurance,  are a taxable benefit to employees effective January 1, 2013. However, employer contributions paid towards wage loss replacement plans, such as short-term and long-term disability plans are not impacted by this legislation.

Bill C-38 – Protecting long-term disability plans

As part of the Federal budget released in March of 2012, the government announced its commitment to introduce legislation requiring federally regulated private sector employers to insure on a go forward basis, the long-term disability benefit coverage offered to employees.

 

 Alberta:

Generic Prescription Drug Program

In 2010 some provinces took action to reduce the price of generic drugs. Alberta implemented a phased-in approach for some features of their generic drug reform. 

Effective July 1, 2012, Alberta Health announced that it has reduced the amount it will pay for generic prescription drugs from 45 per cent of the cost of name brand-drugs to 35 per cent. 

As of August 1, 2012, Alberta now regulates the naturopathic profession through the College of Naturopathic Doctors, the new governing body for the profession. Alberta joins British Columbia, Saskatchewan, Manitoba and Ontario in broadening access to alternative care in wellness and illness prevention.

 

BC:

Reinstating provincial sales tax (PST) 

When British Columbia introduced its budget in February 2012, the province confirmed its plans to reintroduce the PST at a rate of 7% plus federal goods and services tax (GST) by April 1, 2013. This proposed change will impact group benefits goods and services where the harmonized sales tax (HST) currently applies. We are reviewing the impacts of this change and expect to provide this information closer to the effective date.

 

Benefits Plans

True Benefits can help you find the best employee benefits plan.

We have access to over 25 insurers.

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."

Anne, HR Manager

"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."

Sarah, Business Owner

"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."

Vicki, Controller

"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."

 
Rowan

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.

Laurin

"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."

Norrey, CFO

"Thank you Rachel. Great service as always. You anticipated our needs."

Pam, HR Director

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.

Mike

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.

Claire