Benefits Ontario (Canada) 1.866.856.6799

Contracted employees may become the norm in Canada: Is this an advantage in securing benefits?

BCplans — Sat, 15 Dec 2012 18:42:33 +0000

With a tightening economy and employers looking for ways to cut costs, it just may be the future employment trend to take away benefits, raise wages, and change employment structure of many employees to “contracted employees”. What this would mean for those affected is the ability to shop around for the best life, disability, and medical and dental options. As an insurance broker, I know that the differences can be significant. Where a contracted employee

Independent Contractors in Canada: Guide

BCplans — Fri, 07 Dec 2012 14:53:57 +0000

Published October 2011 An In-Depth Guide for Independent Contractors in Canada By Daniel Kosir & Julie King Being a self-employed, independent contractor has many benefits and risks. On the positive side, you can claim valid business expenses to reduce your taxable income, may be able to work at home and can have more freedom to control when and how you work. However, there are also risks, as an independent contractor does not have the safety

Benefit Cutbacks continue to affect the public sector

BCplans — Fri, 07 Dec 2012 14:48:41 +0000

With the writing on the wall, it is time for the federal employees to take security into their own hands. If you have been turned into a contracted employee, there are benefits that you can take advantage of. Please contact us! http://www.cbc.ca/news/politics/story/2012/09/13/pol-federal-civil-servants-cuts.html

A great question: How does CPP disability benefits get integrated with personal or group disability plans?

BCplans — Tue, 04 Dec 2012 17:29:08 +0000

Today, there was a terrific search that led a visitor from Yahoo to our site. I only hope that this person comes back or is able to find the information. Here was the search: search.yahoo.com — will my disability insurance with manulife run out if cpp has accepted me The general answer is that private or group LTD plans, or personal DI policies will integrate with other social programs, in this case CPP disability. The

Healthy Smiles in Ontario!

BCplans — Fri, 30 Nov 2012 21:13:55 +0000

The Healthy Smiles Program from the Ministry of Health and Long Term Care is for children who are not able to get dental coverage since their parents do not have funds to do so. Please visit the program link

The big picture on life and disability insurance for a Canadian

BCplans — Fri, 30 Nov 2012 16:49:29 +0000

Hello there! Thanks for coming to the explanation on how much life insurance you need. Have you ever been shown a life insurance policy that is described as a great way to get your money back down the road in cash value? Those policies may have their place under certain circumstances, one example is a combined need of saving the child tax credit for education. But, with self-directed RESP offers now, is life insurance the

A not so surprising study out of the US: Women taking financial responsibility/protection issues into their own hands

BCplans — Tue, 28 Feb 2012 12:32:49 +0000

MetLife Study Compares Women’s Views on Financial Responsibilities to Their Family February 20, 2012 WESTPORT, Conn.–(BUSINESS WIRE)–While women across generations are willing and eager to provide financial support to their family members, they are also placing a strong emphasis on self-reliance, according to the MetLife Mature Market Institute study, Women’s Views on Family Financial Obligations: A MetLife Survey of Intergenerational Findings of Baby Boomers and Generations X and Y.

GMS Travel Insurance top in the Super Visa Visitors to Canada Field!

BCplans — Tue, 14 Feb 2012 18:20:28 +0000

GMS Immigrants & Visitors to Canada Plan gets a makeover as Super Visas are introduced. GMS is pleased to announce it has made some updates to its Immigrants & Visitors to Canada (IVC) emergency medical insurance plan. Following the recent announcement by Citizenship and Immigration Canada (CIC) of its newly introduced Parent and Grandparent Super Visa, GMS is expanding its IVC coverage to meet the medical insurance needs of Super Visa applicants. The Super Visa

GMS: Group Medical Services: The buck stops at three on dental!

BCplans — Tue, 14 Feb 2012 17:33:16 +0000

Do you have a large family requiring dental coverage? Would you like to save big dollars on dental bills, because you are paying only for the first three family members, and you can have up to six people insured? Why haven’t you heard this before?

Whole Life Insurance as an Investment in Canada

BCplans — Mon, 13 Feb 2012 02:16:10 +0000

With low interest rates on Canadian savings accounts, high personal debt, and a baby-boom generation inheriting money and retiring with dependents , whole life insurance is just the solid protection you may need It’s 2012 and you are happy to be Canadian – - thanking your lucky stars you are better off than many. But how do you protect that wealth and ensure it gets passed along with no risk to those who depend