The Ontario government is moving forward with the cancellation of out of country OHIP coverage. Health Minister, Christine Elliot argues that the plan coverage is too low to be helpful to travelers who already largely depend on private travel insurance. Changes are expected to come into effect as of October 1st, 2019. Out of country […]
If you are questioning whether you can deny or limit benefits to an older employee in your organization, you might want to keep reading. A landmark ruling in May of last year by the Human Rights Tribunal deemed denying benefits due to age unconstitutional. The ruling was brought on by a high school teacher, who […]
OHIP + changes take effect today, which means big changes for prescription coverage of children and youth under the age of twenty-five. The two main changes to OHIP + are as follows: The Ontario government will still be offering benefits for the 4400 drugs it covers at no cost to those children and youth twenty-four […]
Even though medical marijuana has been legal for seventeen years, it hasn’t been widely implemented as an employee benefit by insurance carriers. The legalization of cannabis as a recreational drug five months ago, however, has turned this into a hot topic and made more carriers and employers sit up and take notice. The Cannabis Act […]
Life insurance rates are dependent on health. When asked for a quote, it is difficult to give an accurate answer without first inquiring about your health history. Life insurance carriers look at many different factors (i.e. personal health history, family health history, driving record, etc.), before they give you a rating class. Here’s a look […]
Everybody wants to save as much as they can when they make a purchase. Life insurance is no different, and we completely understand that. Unfortunately, people tend to sacrifice proper coverage for convenience. We have all been guilty of it at some point or another: we rush into a purchase without getting all the facts […]
Before discussing the benefits of working with an insurance broker, it is important to note the difference between a life insurance broker and a life insurance agent. A life insurance broker is an independent agent that can offer life insurance products from major insurance carriers. By contrast, a life insurance agent is employed by one […]
If you have decided to purchase life insurance coverage, then it is likely that you have to complete testing and/or answer a few questions from a qualified nurse. This is done in the comfort of your own home or workplace, whatever you prefer. This testing often includes a urine test, and in some cases a […]
Reasons to Take a Life Insurance Medical Exam Here at JWL Benefits, we often have individuals visiting our website trying to avoid medical exams by requesting No-Medical life insurance quotes. In some cases, No-Medical life insurance is the appropriate option, but in most cases, a fully underwritten product with a medical exam is the better […]
Do You Have Your Insurer’s Group Benefits Mobile App? Many Canadian employees have a group benefits package through their employer. Within the last few years, many of the top insurance companies in Canada have launched mobile applications and online portals to make it easier for plan members to interact with their health and dental plans […]
