https://johnstongroup.ca/the-advisor-journal Advice and information to help you support your business, your people and you. Sat, 16 Apr 2022 18:33:15 +0000 en-CA hourly 1 https://johnstongroup.ca/the-advisor-journal/business/how-climate-change-is-impacting-home-insurance-rates-in-canada/ https://johnstongroup.ca/the-advisor-journal/business/how-climate-change-is-impacting-home-insurance-rates-in-canada/#respond Wed, 20 Apr 2022 10:55:46 +0000 https://johnstongroup.ca/the-advisor-journal/?p=10545 Whether it's the wild fires of 2016 in Fort McMurray, Alberta, or tornadoes and flooding in southern Ontario, this article summarizes an eye opening array of catastrophic events across Canada that have resulted in billions of dollars of loss. Although the challenge is daunting,  the industry as a whole, should embrace the opportunity (and manage the risks) presented by severe weather and climate change, in a proactive manner.  Experts say that if we don't act quickly, the long term results could be devastating to the industry, all levels of government and ultimately the consumer.  ]]> https://johnstongroup.ca/the-advisor-journal/business/how-climate-change-is-impacting-home-insurance-rates-in-canada/feed/ 0 https://johnstongroup.ca/the-advisor-journal/wellness/this-top-health-benefit-is-key-to-boosting-workers-performance/ https://johnstongroup.ca/the-advisor-journal/wellness/this-top-health-benefit-is-key-to-boosting-workers-performance/#respond Mon, 22 Mar 2021 10:55:47 +0000 https://johnstongroup.ca/the-advisor-journal/?p=9441 Now more than ever before, offering an employee assistance program is a sincere way to show you care. It can help your employees cope and bounce back more quickly from the various stressors they experience in daily life.  Business owners also benefit from healthier, more productive employees who are "present" at work, as opposed to letting their issues build up to the point of absenteeism and potential  disability leave.]]> https://johnstongroup.ca/the-advisor-journal/wellness/this-top-health-benefit-is-key-to-boosting-workers-performance/feed/ 0 https://johnstongroup.ca/the-advisor-journal/business/5-myths-about-enrollment-that-employers-need-to-forget/ https://johnstongroup.ca/the-advisor-journal/business/5-myths-about-enrollment-that-employers-need-to-forget/#respond Mon, 28 Sep 2020 10:55:40 +0000 https://johnstongroup.ca/the-advisor-journal/?p=9296 "It’s not difficult to build a benefits program that’s not valued, utilized or cost-effective. All you have to do is believe some of today’s common myths about benefits and enrollment. But there’s good news: You can create a stronger, more competitive benefits program just by dispelling those myths."]]> https://johnstongroup.ca/the-advisor-journal/business/5-myths-about-enrollment-that-employers-need-to-forget/feed/ 0 https://johnstongroup.ca/the-advisor-journal/business/why-workers-on-disability-need-a-bigger-safety-net/ https://johnstongroup.ca/the-advisor-journal/business/why-workers-on-disability-need-a-bigger-safety-net/#respond Mon, 13 Jan 2020 11:55:56 +0000 https://johnstongroup.ca/the-advisor-journal/?p=8563 The Council for Disability Awareness estimates that more than a quarter of 20-year-old Americans could lose as much as a year’s worth of work because of a disabling condition even before they reach the average retirement age.]]> https://johnstongroup.ca/the-advisor-journal/business/why-workers-on-disability-need-a-bigger-safety-net/feed/ 0 https://johnstongroup.ca/the-advisor-journal/business/whats-the-role-of-doctors-in-boosting-drug-plan-sustainability/ https://johnstongroup.ca/the-advisor-journal/business/whats-the-role-of-doctors-in-boosting-drug-plan-sustainability/#respond Wed, 22 Nov 2017 06:00:00 +0000 https://johnstongroup.ca/the-advisor-journal/business/what%c2%92s-the-role-of-doctors-in-boosting-drug-plan-sustainability/ There are many ways that physicians can be part of the solution and aid in improving drug plan sustainability.]]> https://johnstongroup.ca/the-advisor-journal/business/whats-the-role-of-doctors-in-boosting-drug-plan-sustainability/feed/ 0 https://johnstongroup.ca/the-advisor-journal/business/big-insurers-brace-for-perilous-future-as-climate-risks-escalate/ https://johnstongroup.ca/the-advisor-journal/business/big-insurers-brace-for-perilous-future-as-climate-risks-escalate/#respond Thu, 16 Nov 2017 06:00:00 +0000 https://johnstongroup.ca/the-advisor-journal/business/big-insurers-brace-for-perilous-future-as-climate-risks-escalate/ It appears that a new reality is here to stay in terms of bracing for higher frequency of natural disasters - but Is the insurance industry prepared?]]> https://johnstongroup.ca/the-advisor-journal/business/big-insurers-brace-for-perilous-future-as-climate-risks-escalate/feed/ 0 https://johnstongroup.ca/the-advisor-journal/business/11-benefits-workers-want/ https://johnstongroup.ca/the-advisor-journal/business/11-benefits-workers-want/#respond Fri, 20 Oct 2017 05:00:00 +0000 https://johnstongroup.ca/the-advisor-journal/business/11-benefits-workers-want/ Great benefits are increasingly a huge drawing card for employees who now may demand it.]]> https://johnstongroup.ca/the-advisor-journal/business/11-benefits-workers-want/feed/ 0 https://johnstongroup.ca/the-advisor-journal/community/the-importance-of-travel-insurance-highlighted-after-vegas-attack-leaves-costly-wake-for-uninsured-canadian-victims-travelweek/ https://johnstongroup.ca/the-advisor-journal/community/the-importance-of-travel-insurance-highlighted-after-vegas-attack-leaves-costly-wake-for-uninsured-canadian-victims-travelweek/#respond Mon, 09 Oct 2017 05:00:00 +0000 https://johnstongroup.ca/the-advisor-journal/business/the-importance-of-travel-insurance-highlighted-after-vegas-attack-leaves-costly-wake-for-uninsured-canadian-victims-travelweek/ In the aftermath of yet another unexpected tragedy, leaving home without insurance coverage is not an option, even for those young and healthy travelers.]]> https://johnstongroup.ca/the-advisor-journal/community/the-importance-of-travel-insurance-highlighted-after-vegas-attack-leaves-costly-wake-for-uninsured-canadian-victims-travelweek/feed/ 0 https://johnstongroup.ca/the-advisor-journal/business/this-advisor-never-thought-hed-need-ci-coverage-then-he-did/ https://johnstongroup.ca/the-advisor-journal/business/this-advisor-never-thought-hed-need-ci-coverage-then-he-did/#respond Wed, 16 Aug 2017 05:00:00 +0000 https://johnstongroup.ca/the-advisor-journal/business/this-advisor-never-thought-he%c2%92d-need-ci-coverage-then-he-did/ https://johnstongroup.ca/the-advisor-journal/business/this-advisor-never-thought-hed-need-ci-coverage-then-he-did/feed/ 0 https://johnstongroup.ca/the-advisor-journal/hr/the-challenges-of-terminating-benefits-for-employees-on-disability/ https://johnstongroup.ca/the-advisor-journal/hr/the-challenges-of-terminating-benefits-for-employees-on-disability/#respond Mon, 07 Aug 2017 05:00:00 +0000 https://johnstongroup.ca/the-advisor-journal/business/the-challenges-of-terminating-benefits-for-employees-on-disability/ Offering health and dental benefits to employees is a fantastic way to entice employees to join your company, and to help keep the ones you have. But what happens when an employee goes on disability leave?  Do you continue health and dental benefits forever? For a few years? Until the disability payments stop? There is no right answer, but it makes sense to think carefully about what happens to benefits when an employee goes on disability, and to have a policy in place. You don't want to be thinking about these questions when you have an employee off on disability.  This article highlights a number of scenarios to consider, and lays out a number of aspects you should include in your disability management policy.]]> https://johnstongroup.ca/the-advisor-journal/hr/the-challenges-of-terminating-benefits-for-employees-on-disability/feed/ 0