Long-term disability (LTD) isn’t the coverage employees line up to ask about. It’s not as visible as mental health support or as tangible as massage, physio, or dental. And for younger tech employees—especially those early in their careers—it barely crosses their radar at all. But that’s exactly where the risk begins.  When employees don’t understand… Continue reading The Most Overlooked Risk in Tech: Why Startups Can’t Skip LTD Coverage

As drug costs rise and employee expectations shift, employers are increasingly looking for ways to stretch their benefits budget without weakening their plan. Tools like RxHelp, InnoviCares, and provincial programs offer support — but each operates differently, and not all provide the same value. If you’ve ever wondered which option is best for your team,… Continue reading RxHelp vs. Other Drug Coverage Programs: What’s Best for Employers?

One of the biggest missed opportunities in Canadian benefits isn’t plan design — it’s awareness. Employers often assume that if a program exists, employees will naturally find it and use it. But when it comes to prescription savings tools like RxHelp, that’s rarely the case. Most employees don’t know these programs exist, and even fewer… Continue reading How HR Leaders Can Educate Employees on RxHelp Programs

Prescription expenses keep climbing in Canada, and employees feel the pressure well before those costs appear in your renewal meeting. With inflation, new specialty drugs entering the market, and a surge in mental-health–related prescriptions, HR leaders are being pushed to find meaningful ways to support their teams without pushing benefit budgets to the breaking point.… Continue reading Top Prescription Assistance Programs for Employees in 2025

At the recent The People People Group event, someone reminded me of a government program that’s been quietly saving smart employers real money for years — yet almost no one talks about it. It’s the Employment Insurance (EI) Premium Reduction Program, and if your company offers Short-Term Disability (STD) coverage, you could be leaving serious… Continue reading Are You Paying Twice For Disability Coverage? Here’s How To Fix It.

For a growing share of your team, family looks less like two kids and a minivan, and more like a golden retriever curled up on the couch. That shift is rewriting the benefits playbook. For millennials and Gen Z — now the majority of the workforce — pets are family. Many are delaying home ownership… Continue reading From Perk To Priority: Pet Insurance At Work

If you’re running a fast-growing tech company, there’s a rising trend you can’t afford to ignore, and it’s probably already affecting your team. ADHD, or attention-deficit/hyperactivity disorder, is a neurodevelopmental condition that impacts focus, impulse control, and executive functioning — and for adults in their 20s to 40s, it’s becoming one of the most common… Continue reading ADHD Is Quietly Reshaping Your Team: Is Your Benefits Plan Ready?

A few weeks ago, I went through something I’ve long recommended to clients: an executive health assessment. It’s something we’ve promoted for years, not because it sounds impressive, but because it works. In my case, something showed up on an MRI that needed follow-up. It’s now being taken care of, and I’m grateful we caught… Continue reading Making The Case For Executive Health In Your Benefits Plan

Ten years ago, a $1,000 dental cap might have made sense. Today, it barely gets your team through two cleanings and a filling. The cost of care has gone up—year after year—but most benefits plans haven’t kept pace. For startups trying to recruit top talent and build a modern workplace, that gap isn’t just a… Continue reading When Benefits Don’t Keep Up: How Startups Can Avoid The Pitfalls Of Coverage Erosion

The Benefits Canada 2024 top employee benefits providers figures have been released. Canada Life’s Rise: Fueled by a Major Federal Contract Canada Life’s significant growth in 2024 can be attributed mainly to winning the Public Service Health Care Plan contract, even though it ended up being the only bidder. This transition positioned Canada Life as… Continue reading Canada’s Top 20 Employee Benefits Providers – 2024