Medical and Dental Benefits Planning You may be one of the growing number of Canadians concerned about the cost of healthcare today. While getting sick is not something we like to think about, illness and accidents can happen to anyone. The good news is that medical advancements help us to live healthy and full lives even after a critical illness or accident occurs. The problem is that it can leave us financially broke if an alternative source of funding is not available to pay for related medical costs.  OHIP has made recent cutbacks. And for people who travel, the costs of healthcare outside Canada can be extensive. We can help you plan for health care expenses - whether its a temporary need while you are traveling on a short vacation, or planning for retirement.  Or perhaps you are having visitors from abroad, or have recently become a landed immigrant and are waiting to become eligible for OHIP benefits.  The risk of healthcare expenses is greater than you think. _______________________________________________________________ More Information For more information on Travel Insurance, Visitors-to-Canada/Landed Immigrants coverage,  Critical Illness insurance, long term care insurance, or health, drug and dental insurance, click on the the subject above. You can have affordable health and dental benefits ... even choose what suits your needs and affordability through our Global Group Benefits Program.  For health care workers: part-time, contract, volunteers Work a combination of 2 jobs and do not qualify for benefits  Separated and no longer covered by your spouse's plan Just graduated, over age 21 - no longer covered by your parents Work for a small company that has no benefits. Recently been 'downsized' by your employer Run a home-based business Currently unemployed Self-employed with no benefits We can work with you regardless of your circumstances, to provide you with a benefit program that is right for you. We will review your priorities with you to determine what concerns you the most. Some people prefer to have fewer benefits and maximize reimbursement, while others like to have a little of everything, with lower maximums.   For Current Health Conditions No need to worry. Even if you currently have a health condition, we can help you secure a benefit plan that is guaranteed issue.  _______________________________________________________________

Personal Insurance Planning You may have benefits in place today. But when was the last time you had a 'financial check-up' to review their adequacy for today's circumstances and tomorrow's needs?  Group insurance can offer a low-cost method of providing a base for insurance. However, most people will experience 5 - 7 changes in employers and 2 - 3 career path changes during their working years.  This is why it is important to build portability and flexibility into your insurance program. Life changes can create a need for an insurance review: - marriage/divorce - purchase of a home - birth of children - estate planning for taxes and last illness expenses - change in employment status Your insurance program should provide flexibility for changing needs and should be reviewed on a regular basis.  Contact us for more information on Needs Analysis and  Personal Insurance Planning. _______________________________________________________________

Retirement Income Planning If you are like most people, your focus is on meeting today's expenses with today's dollars. Yet every day, 600+ Canadians turn age 65 and begin a new phase of their lives as a retiree. Planning in advance, can help to provide you with peace of mind knowing that when you reach age 65, your lifestyle and income goals for retirement will be achieved. Financial Planning for Retirement can be as simple as setting up a systematic method for contributing a planned amount from today's earnings to meet your needs when you retire. In fact, you've already started!! -- the government provides retirement benefits to all Canadians who meet certain residency requirements.  And, your employer may have a plan that will provide you with some retirement benefits as well. So your first step, should be to determine what your income at your planned retirement age will be based on what you currently are entitled to, and comparing this with what you would like it to be. Click to use an online Pension Calculator to help you begin your planning. And of course, call us, so we can help you complete your plan! _______________________________________________________________

Long Term Care Planning Retirement planning is a key focus for baby-boomers, with many of them now entering their retirement years. You may feel proud of your accomplishments - the dollars you successfully set aside so you can now enjoy the leisure life style you pictured 10 or 20 years ago. As important as planning for your healthy years, is also planning for illness as the years go by. While this is a significant issue to both men and women, I am going to address some specific remarks here to women. That's because like it or not, women face higher odds of needing financial support in their golden years. Consider these startling facts: Women have a longer life expectancy than men. That's right - you're going to outlive your partner by at least 5 years! Despite this, you're going to have more health problems. Disabilities are greater with women than men. And surprisingly, heart attacks affect a growing number of women each year. Our health care system has not yet learned to educate women on this important issue, and to recognize the difference in their symptoms.  Osteoporosis which often affects women after menopause can lead to broken bones. As we age, falls are more likely to occur. In fact, falls are the leading cause for hospitalization for people over age 65 and the main reason for nursing home admission. There are 600 deaths annually in Ontario attributed to falls among people over age 65. A shocking 1/3rd of elders experience 1 or more falls each year. High divorce rates coupled with longer life expectancy for women means that most women will find themselves on their own during their senior years. Who will take care of you when you cannot take care of yourself?  The government? - An unlikely source in 10 or 20 years given the funding problems with medicare today.  Your children? - In this mobile society, they may be living 1,000 kilometers away. You can take control of your own destiny and ensure that you are able to have dignity, choice, and quality in care. Follow the links to learn more.

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