A Benefits Philosophy:
It all came down to adherence and accountability at this year’s Solutions in Drug Plan Management conference.
Early Identification leads to Early Intervention – Is your early intervention truly early? When should the clock start ticking on intervention? It’s great to preach Early Intervention and promote early return to work, but if employers miss the key signals of employees who may be at risk, they miss their chance to intervene early.
Cost Plus Health Insurance: A case in point
The case of Spicy Sports Inc. et al v. The Queen, 2004 TCC 463, an informal procedure case before the Tax Court of Canada, involved a “cost plus” health insurance policy purchased for the major shareholder and principal employee of the corporation, which operated a sports supply shop. The case, described in the following article, serves to reinforce the need for appropriate planning in establishing private health services plans.
Disabled or Critical?
How does critical illness insurance (CI) fit into a client’s risk management portfolio, versus long term disability (LTD) insurance? It depends on an individual client’s circumstances.
Health Canada is working on new legislation that could revolutionize how Canadians obtain medication, allowing doctors to send prescriptions electronically to the pharmacist.
End to Mandatory Retirement
Ontario and New Brunswick have both introduced bills concerning mandatory retirement. If these bills are passed, Ontario and New Brunswick would join Albert, Manitoba, Quebec, Prince Edward Island, Northwest Territories, Nunavut, and the Yukon in viewing mandatory retirement based on as age discriminatory.
Evolution of Dental Plans
Too good to be true? Discounts on orthopaedic footwear may cost benefits plans money.
Frontlines: Prescription for Healthcare
Plan sponsors and plan members alike are speaking out about the future of healthcare. Three different surveys recently weighed in on the private/public healthcare debate.
Advisors need to remain abreast of changes in the insurance landscape.
Province of Ontario reforms Drug System
The Ontario government is making numerous reforms to its drug system.
National Drug Plan – Visionary or Pipe Dream?
RWAM INSIGHTS – AUGUST 2006
Dispelling disability myths – What all employers should know about Early Intervention
RWAM INSIGHTS – NOVEMBER 2006
An effective return – impact of disability and absenteeism to the workplace.
RWAM Insights Impatient for Patients
While millions of Canadians can’t find a doctor, thousands of foreign physicians cannot get a licence to practise medicine here.
Searching for Solutions
We are pleased to announce that we have been asked to participate in the annual “Drug Plan Management” conference in Toronto in May 2005.
Taking a bite out of dental costs
Ontario plan sponsors aren’t prepared to swallow painful increases in dental costs. Employer groups are working with the Ontario Dental Association to find solutions – organizations in other provinces can follow suit.
The fallout from upcoding
While hospitals offload costs to counter chronic underfunding, plan sponsors are increasingly picking up the tab for expensive drugs and services.
The Feasibility of Falconbridge Benefits
Tomorrow’s Group Insurance Business
What impact will demutilization have on group insurance providers? Get ready for a greater emphasis on profitability and less choice for national employers.