If you're looking to save money on dental premiums, make sure that if you decide to cover a previous year's fee guide, you tell the carrier to code it in a "this year minus 1" or minus 2, etc, not the specific year. That year will get stale and embarrassing as it ages. I've come across two plans like this and it was a recipe for disaster for the group and advisor.

At Beneplan, we hired a Drug Advocate to help small businesses leverage government and pharma cost sharing for high cost medication, in order to significantly reduce group health insurance premiums. Employee benefits brokers will learn the landscape of high cost drug programs in Canada in this episode. [email protected]

Canadian health insurance can be complicated， but nothing confuses or scares people quite like explaining what a price level agreement is: the ubiquitous PLA. Also known as a drug rebate, volume discount or even -gasp- kickback - this highly controversial area of group insurance is something everyone should know about. Narrated by Yafa Sakkejha, CEO of Beneplan and licensed broker.

The sharp rise in the dental fee guide in Canada means that we're seeing higher increases across group benefits dental premiums in 2023 and 2024. Here is a list of ways you can help your clients trim costs without cutting the benefit entirely.

I know it's tempting, but extending extended health and dental benefits or group insurance to Canadian independent contractors may cause the business to fail the employee test with the CRA and therefore owe back taxes, penalties and interest. Here are some other options.

Everyone is the group benefits industry has been terminated. This episode shares some tough termination stories, discusses how you protect your own mental health, stop the fight or flight response, and how they can be prevented. Hosted by Beneplan CEO Yafa Sakkejha.

If you're a Canadian employee benefits broker trying to grow your block of business, here's your sign that you don't need to wait for the perfect MGA or super intermediary to get started. You just need to be willing to read the fine print.

Should employees be cut off of benefits while they're on workers compensation? Should they be fired? What can a benefits consultant or broker recommend to an employer during this time?

Explaining how the new Canada Dental Benefit works and what it means for employee benefit plans.

The Canada Revenue Agency just released a notice #325 on when and how insurance intermediaries need to charge GST or HST on their commissions and fees, and when it is exempt. We also talk about what you can do when a large insurer or government tries to change the parameters of your work.