Provincial Dental Fees for 2022

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Increase in Employment Insurance (EI) Maximum Insurable Earnings Affects Short-Term Disability (STD) Plans

The federal government announced the 2022 EI premium rates and maximums.  New rates have been in effect as of January 1, 2022. Maximum insurance earnings                     $60,300 Maximum weekly EI benefit                        $638 This increase affects STD plans where: ● The maximum STD benefit is based on the EI maximum weekly benefit ($638 for 2022), or ● The EI […]

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Changes to Manitoba Legislation coming into effect

On October 1, 2021, amendments to The Pension Benefits Act and Regulations (Manitoba) came into effect and some of the highlights are shown below: Statement of Investment Policies & Procedures (SIP) Annual filing of the latest SIP is now required within 180 days of the end of each fiscal year of the plan. Previously, the […]

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The 5 Most Common Employment Benefits


Research for the 2021 Robert Half Salary Guides revealed the following benefits that businesses most frequently offer. Extended Health insurance — After salary, this benefit is of the utmost importance to many job candidates and typically includes medical coverage for employees and their families. In a Robert Half survey of more than 500 HR managers […]

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The Importance of Naming a Beneficiary

When an employee enrolls in an employee group benefits plan it is important that they name a beneficiary to receive the proceeds of any life insurance benefits upon their death. Why should I name a beneficiary? By indicating a named beneficiary the employee protects their benefactor from receiving a reduced benefit due to estate taxes […]

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2021 CAP Member Survey

Benefits Canada recently published its CAP (Capital Accumulation Plan) Member Survey to assess the financial wellness of plan members and how they have fared since the start of the pandemic. Retirement readiness and the pandemic 47% of plan members said they feel financially prepared for retirement, compared to 48% in 2020 and 55% in 2019. […]

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Summary of the CIA DC Seminar – September 2021

By June Smyth I had the privilege of attending the DC Seminar in early September, hosted by the Canadian Institute of Actuaries. As part of the committee organizing the seminar, I was privy in advance to some of the topics but was thrilled to hear the seasoned speakers covering some excellent new content. At a […]

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What are the Responsibilities of Pension Plan Administrators? FSRA Releases Final Guide

As of July 28, 2021 the Financial Services Regulatory Authority of Ontario (“FSRA”) released a final guide outlining the roles and responsibilities of pension plan administrators. The guide aims to consolidate and update four existing guides and outlines regulatory principles in pension plan risk management, respective responsibilities for employers and plan sponsors, statutory obligations, and […]

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Understanding Co-insurance, Deductible, and Other Frequently Used Group Benefit Terms

Have you ever wondered what the difference is between a deductible and co-insurance, or cost share and co-insurance? These terms can sometimes be confusing and we want to provide you with a better understanding of the different terms that may apply to group health and/or dental benefits.  Premium: The monthly amount the employer pays for the […]

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2021 Government Benefits & Limits – A Quick Reference

Old Age Security Benefit Payment Rates January – March 2021 Type of Benefit Recipient Maximum Monthly Benefit Maximum Annual Income OAS All recipients $615.37 See note GIS Single person $919.12 $18,648 Spouse of pensioner $553.28 $24,624 Spouse of non-pensioner $919.12 $44,688 Spouse of Allowance recipient $553.28 $44,6881 Allowance All recipients $1,168.65 $34,512 Allowance for the […]

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