Benefits Ontario is a service provided by Integrity Insurance Planning & Craig Ferguson Insurance Services. We are looking to raise the bar in benefit advice, because of the current way benefits are sold.
We strongly believe that people ‘think’ they need certain benefit plans, and are willing to spend hundreds of dollars monthy to provide for themselves and their family. The truth is, this can lead to a false sense of security, as ‘having a plan’ doesn’t necessarily mean ‘you are protected’.
What do I mean by that?
It’s really a question of looking at the tragedies that could strike you and your family. I have spoken to many people and have asked them why they are looking for a benefit package. Most will answer in vague terms, without true thought as to why they need what they think they need.
The other possible and discussed reason for looking into benefits is the ‘what hurts now’ reasoning. In this, you could be looking for a dental plan because the dentist just told you that you need a root canal. At this stage, the one likely root canal you may require in your lifetime is already hit, and the insurer is not going to come through with miracle coverage with this pre-existing condition.
More importantly however is to realize that no dental bill will leave you financially ruined, despite how awful the bill seems, and the fact that it comes at a bad time. Am I saying dental insurance is not worth it. No. But, what I am saying is that it needs to be put in perspective of the other elements that could ‘hurt you’ far more.
As a responsible insurance and benefit advisor, my job is to assess your needs, and assess what ‘events’ will hurt you and your family. The ones that would literally bankrupt you or your family is the starting point, and needs to be discussed at the very least. Sometimes, we are not eligible or ready for some insurance solutions, but this is why we call this insurance planning.
Insurance planning involves a personal, caring approach to your family’s unique needs, because despite the fact we all go to the dentist (or should..that’s another blog!), it can be quite an interesting discussion between benefit advisor and client, and the end result of what you choose to do just may surprise you!
At Integrity Insurance Planning & Craig Ferguson Insurance Services, we are here to help assess your needs first and foremost in a non-pressure way. Once we help you, you will know what you need to do. And, if your drug costs are already a problem, we will help you get the necessary assistance from the Ontario Trillium Drug Program, that can significantly get you out of a financial jam.
How to reach us!:
- Our toll free number is 1-866-856-6799
- Hamilton: 905-667-4410
- Ottawa : 613-288-8194
- Toronto: 416-238-4410
- Kitchener: 519-772-4810
- All parts of Alberta: Toll free 1-866-856-6799
Nanette Gozutok can be reached at extension 204. She is a professional that can assess your needs. And, if you want to speak to me directly, I am at extension 201.
All the best!
Craig Ferguson
