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Changes are coming to group benefits plans in Alberta effective October 1, 2026, following the passage of Bill 11. Two key changes employers and plan sponsors should be aware of: 🔹 Drug and health benefits for actively employed members can no longer be reduced or discontinued solely because of age. 🔹 For certain services, Alberta's provincial coverage for seniors aged 65+ and members of the Alberta Non-Group Coverage program will become the payor of last resort — meaning el

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Long-term disability benefits are often overlooked—but they play a critical role in protecting both employees and businesses. From supporting mental health to improving retention and cost predictability, LTD is one of the most valuable benefits employers can offer.

Are you offering the right group benefits to attract and retain top talent? A thoughtful benefits package—whether it’s health and dental coverage, mental wellness support, disability protection, or flexible spending accounts—speaks volumes about your company’s values and commitment to your people. Here’s why group benefits truly matter: • Boost employee satisfaction & loyalty • Improve health outcomes and reduce absenteeism • Strengthen workplace culture and morale • Reduce f

What is a Non-Evidence Maximum (NEM)? A Non-Evidence Maximum (NEM) is the maximum amount of insurance coverage you are approved for...

Employee & Family Assistance Program EFAP

1. Insured The insurer assumes all risk. This is generally the most expensive option because of higher fees and rated benefits. The...

A beneficiary is a person or organization (such as a charity or scholarship fund) you name to receive your assets. While you can name...

What happens when you withdraw money from your RRSP early? Early withdrawals from RRSPs have three major costs: 1. You’ll miss out on the...

When an employer implements a Group Retirement Savings Plan (GRSP) it motivates employees to save for retirement. When an employee opts...

Employer Benefits & Savings plans stand out as a crucial tool for businesses to attract and retain top talent while providing valuable...

CANADIAN DENTAL CARE PLAN (CDCP) What is the “Canadian Dental Care Plan?” (CDCP) In the 2023 Budget, the federal government provided...

If you own a business, employee benefits are a way of ensuring that you draw in talent and retain skilled workers. With different options...