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Implementing a Disability Management Plan

Plan Design Considerations Given the nature of their business and workforce composition, employers looking to implement a disability management program need to consider the following key questions: 1) What type of disability coverage should be offered (e.g., paid sick days, short-term disability, or long-term disability)? 2) Should personal days be offered, as well as sick …

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Kinesiologists Now Fully Regulated

Updates to the Regulated Health Professions Act, 1991 in Ontario may affect group benefit plans that include coverage for kinesiologist services. The practice of kinesiology is now a regulated profession in Ontario beginning on April 1, 2013, under the Regulated Health Professions Act, 1991 and the Kinesiology Act, 2007 and supporting Regulation.  The College of …

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Waiting Times in Provincial Plans – Time for Action

Andrew Coyne, a leading political journalist has some strong advice and sites some interesting arguments for the establishment of private clinics funded publicly but goes short of recommending a parallel private system in his treatment of no action on waiting times for health care treatment. Click on this link to read the article… http://fullcomment.nationalpost.com/2012/07/13/andrew-coyne-its-time-the-provinces-were-brought-to-account-on-health-care-wait-times/

Sub Plan for EI and EI Parental and Maternity Benefits

The federal Supplemental Unemployment Benefit (SUB) Program was introduced in 1956 with the goal of subsidizing employees with Employment Insurance (EI) benefits while they were temporarily laid-off. With EI replacing only 55% of previous earnings, a SUB payment helps to further reduce the net loss of earnings. Under the current program, employers are encouraged to …

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South of the Border Wellness Inspired Deductibles Take Hold

Wellness programs are being used as an incentive in the management of health care costs south of the border. Plans are emerging wherein employers raise deductibles from, say, $100 to $2,000 per year. Workers can then “earn credits” worth $500 each to lower the deductible if they meet certain targets for four factors: body-mass index, …

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Managed Formularies – Mandatory Generic Drug Plans Making a Hit

Mandatory Generic Drug Plans are making a hit – these plans will not recognize “No Substitutions” written by physicians – rather, the pharmacist will dispense the name brand and request a payment for the difference between the name and generic brand drugs at the Point of Sale or discuss the generic dispensing with the patient …

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