17 Jan 2006    How to Lower Premium Costs for Drug Coverage Most of us are familiar with the use of ‘deductibles’ and ‘co-insurance’ factors as a method of reducing the purchase price of a drug benefit plan. Both of these methods involve cost-sharing with the plan-user, who may not view this as a popular change. A better method may be to change from brand-name drugs to generic... the employer saves costs while the employee retains similar coverage ... a win-win strategy.    10 Jan 2006    Financial Planning for Retirement: Health Most of us associate retirement planning with saving an adequate pension for our income at age 65. However, equally important is planning for health care in our senior years. Every day 600 Canadians turn age 65.  Our government healthcare programs are financed with tax dollars derived from today's workforce. In 9 years, there will be only 3 workers per retiree to support social programs. Canadians are turning to long term care insurance as a method of preparing for their future care needs, by paying for it during their earning years.   24 Sep 2005    Parents Should Choose Student Insurance Wisely Searching for International Student Medical Insurance may be one of the most important tasks you do in preparing your child to study abroad....a hasty decision could ultimately cost parents thousands of dollars ... This article is a checklist for parents and students to help you evaluate international student medical insurance plans before you make your decision to buy.   28 Aug 2004    Employee Benefits for Executives: Impact of the LTD “All-Source” Maximum Provision In the past, the general approach to compensation design focused on a combination of current and deferred earnings while de-emphasizing the benefit package. Smaller salary increases have resulted in some executives looking for better benefit packages. One such area is long term disability (LTD) benefits... a benefit often misunderstood. The actual amount paid may be significantly less than first assumed.  The fact that a company’s higher paid executives are impacted while lower paid staff are not is a phenomenon referred to as the paradox of reverse discrimination.  This can be rectified with proper planning.   1 Apr 2003    Not Getting Any Younger: A Look at Long Term Care Insurance in Canada By Andrew Rickard (with Quotes by Jacqueline Figas)     31 Jul 2002    Your Rights Long-Term care insurance is a relatively new type of insurance you may want to consider before you retire. For most retirees, the attraction of LTC insurance is that it can provide enough added income to remain home while receiving care for their ailments, and ultimately provide funds to pay for residential care when a chronic conditions progresses.... Choosing the right policy ... Eligibility criteria ... LTC premiums ... Future premium increases ... Limited payment options ... Basic coverage variables... Some further consideration ... LTC Insurance - a Continuum of Coverage. by Olev Edur, Good Times Magazine Based on Interview with Jacqueline Figas, CLU, EPC

Home

About Us

Contact Us