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Personal Lines Perspectives: Tips for Saving for Your Child’s Future

Personal Lines Perspectives: Tips for Saving for Your Child’s Future

Tips for Saving for Your Child’s Future Saving for your child’s future is important, especially when you consider how expensive college is. Thankfully, there are a number of steps parents can take to start saving today in order to ensure their children are financially prepared for the future. The following are some easy tips to consider: Start saving the day your child is born and save as much as you can. Compounding interest will also make your savings grow. Save money on a consistent basis rather than on a random schedule. Consider setting up an automatic payroll deduction or having your bank automatically move money from your chequing account to a savings account. Establish a savings goal to measure how well you are saving, and modify that goal as your salary increases. Ask relatives to contribute to the savings account…read more →

Live Well, Work Well | December 2017 Edition

Live Well, Work Well | December 2017 Edition

In this month’s Dan Lawrie Insurance Brokers Live Well, Work Well newsletter, we discuss how to plan a stress free holiday season and tips to fight the flu. Fight the Flu with These Simple Tips The arrival of the fall and winter months signals many things, including the beginning of flu season. Seasonal influenza can cause serious complications for people of any age, but children and the elderly are more vulnerable. To help keep your household healthy this flu season, consider the following suggestions: Get the flu vaccine. Becoming vaccinated against the flu is the best chance of preventing the illness. Avoid close contact with people who are sick and stay away from others when you feel under the weather. Wash your hands often using soap and warm water to protect against germs. Get plenty of sleep, stay physically active and drink…read more →

OHIP+ Set To Launch January 1st

OHIP+ Set To Launch January 1st

OHIP+ Set to Launch January 1st OHIP+ is launching as scheduled on January 1, 2018. As of that date, all Ontarians under 25 who have OHIP coverage – regardless of income, family or student status – will automatically be covered under the Ontario Drug Benefit (OBD) program, with no deductible or co-payment. OHIP+ claims will be submitted by Ontario pharmacies and adjudicated online using the individual’s OHIP card. The pharmacy community has confirmed they will have necessary changes in place for January 1, 2018 to submit OHIP+ claims to the government. No application is needed to enrol in the program and OHIP+ coverage will end on an individual’s 25th birthday. OHIP+ Quick Facts What this is As of January 1, 2018, Ontarians under age 25 who are eligible for OHIP, will receive free prescriptions for the approximately 4,400 drug products…read more →

Bill 148 Undergoes Significant Amendment: What Does It Mean for Employers?

Bill 148 Undergoes Significant Amendment: What Does It Mean for Employers?

Bill 148, the Fair Workplaces, Better Jobs Act, 2017, passed Third Reading in the Ontario Legislature on Wednesday, November 22, 2017. The legislation introduces significant amendments to Ontario’s Employment Standards Acts and Labour Relations Act, and limited amendments to the Occupational Health and Safety Act. Most of the amendments come into force on January 1, 2018. For assistance, contact any member of our team. Employment Standards Act Increased Minimum Wage. The general minimum wage will increase to $14 per hour effective January 1, 2018 and $15 per hour effective January 1, 2019. Equal Pay for Equal Work. A part-time, casual employee or temporary employee will be entitled to the same rate of pay as a full-time employee performing substantially similar work. A distinction in rate of pay will be permitted only where based on (a) a seniority system, (b) a…read more →

International Insurance Update – December 2017 Edition

International Insurance Update – December 2017 Edition

The world is a complex place and you have a lot to worry about. It is critical that you have the confidence that the insurance broker you choose has the ability and resources to help you globally. We are an authorized Globex International Group Broker Partner in 130 countries around the world. Recent Successes Placed a standalone General Liability policy for a company in Mexico buying and selling scrap metal and plastic commodities for steel mills and recycling facilities. Worked with US partner broker to implement a Property, General Liability, and Employers Liability program in Dominican Republic and UK for a US based designer and manufacturer of body-armor systems. Placed local Directors & Officers policy in Brazil as part of a controlled program for a global Contract Research Organization. EMEA New research reveals that only 15% of potential cyber losses are…read more →

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