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The Cannabis Act and Benefits Plans

Health and Wellness
With the Cannabis Act coming into force on October 17th, 2018, many insurers are in the process of determining how to best fit medical marijuana into current plan offerings.  To be eligible for reimbursement under a group benefits plan, a drug must have a Drug Identification Number (DIN). Currently, marijuana is not an approved drug in Canada and does not have a DIN, so this poses a challenge to insurers. While it isn’t currently considered an eligible expense under the extended healthcare plan, it is an acceptable expense for a healthcare spending account (HSA), as the guidelines for HSA expenses are provided by the Canada Revenue Agency. Your...

Alberta Minimum Wage Increase

Payroll
In 2016, the Alberta Government made a commitment to increase the minimum wage to $15.00. Workers will see an increase in their hourly pay from $13.60 to $15.00 starting October 1st, 2018. This is the third and final pledged hike implemented by Premier Notley’s government to increase minimum wage to $15.00. The new wage increase being in effect will also remove any lower minimum wage brackets for liquor servers and adolescents.  Minimum Wage Rates for 2017-2018 Most employees (general minimum wage) - from $13.60/hour to $15.00/hour Salespersons (including land agents and certain professionals) - from $542.00/week to $598.00/week Domestic employees (living in their employer's home) - from $2,582.00/month...

A New Evolution in the Workforce is Starting

Health and Wellness
Baby boomers are approaching retirement age, but concerns are high among many employees about being financially ready to retire. This is causing some to decide that they want or even need to keep working. Many organizations are using this as an opportunity to re-think traditional retirements  by transitioning older workers from the “structured work” environment to a more “flexible and relaxed” work environment. Many employees are not ready to retire completely but would rather ease into retirement. This can help organizations who might be facing skill shortages and extends the time frame to transfer the valuable knowledge and plan for succession. Employees can also win in this scenario...

Ontario New Pay Transparency Legislation

Payroll
Bill 3 will bring more transparency on the hiring processes for women looking for jobs in the Province of Ontario.  Women will have more information regarding compensation and how it compares to their male counterparts, giving women more negotiating power during the hiring process. The bill is set to become law on January 1st, 2019.  At which point Ontario will: Require all publicly advertised job postings to include a salary rate or range Bar employers from asking a job candidate about their past compensation Prohibit reprisals against employees who discuss or disclose compensation Establish a framework to require larger employers to track and report compensation gaps based on...

Embedding a Deep Understanding of Prospective Clients

Sales
It’s all about setting goals and achieving them, but how do you ensure success once you have found or connected with your prospect?  How can you get your sales to the next level?  This process has two simple steps that are essential. The first step would be to maximize your discovery call by zeroing in on their needs; this helps to spark a willingness to speak.  Instead of over pitching, listen.   Once need is established, ask upfront questions about buying ability.  For example, you could ask “What is the time frame to purchase, and who needs to be involved in the decision making process?” and “When are you...