Why Template Benefits Don't Work (And What to Do Instead)
Your company isn't average. So why is your benefits plan?
Your group benefits plan feels good. That doesn’t mean it's working.
Most business owners have never actually looked at what their benefits plan costs per dollar of claims. Here’s why, and what to do about it. Ask a room full of employees whether they have good benefits and most hands go up. Ask their employers the same question, and you’
How to forecast group benefits costs in Canada: A smarter guide for Canadian employers
If you’re a Canadian business owner, HR leader, or plan sponsor, you’ve probably asked some version of this question: What will our group benefits costs be next year? It sounds simple. But for employers, it becomes one of the most frustrating parts of planning for the year ahead.
The 2025 Benefits Year Wrap-Up: What shaped the industry — and what comes next
As 2025 draws to a close, the benefits landscape looks very different from where we started the year. Employers faced tightening budgets, rising expectations from employees, shifting legislative frameworks, and rapid innovation in health and well-being technology. Through all of it, one theme stood out: employees want meaningful, flexible
Building your benefits house: Creating a strong foundation for employee wellbeing
When you’re designing a home, you don’t start with the shutters and garden. You start with a solid foundation — the part that supports everything else. Building a strong benefits plan follows the same principle. Without a well-designed base, the lack of strength won't hold up
Small businesses, big impact: Rethinking benefits in a changing world of work
October is Small Business Month in Canada — a time to celebrate the ingenuity, resilience, and community spirit of small businesses across the country. From startups redefining industries to family-run firms that have been part of their neighbourhoods for generations, small businesses power 98% of Canada’s economy and employ
Why plan sustainability and Plan Member wellbeing are colliding
For years, Plan Sponsors have chased a delicate balance: keeping benefits affordable and competitive while supporting the health of their people. On paper, it sounds simple. In practice, it’s never been harder. The 2025 Benefits Canada Report makes that tension crystal clear. Although the Benefits Canada survey, in our
Gender-affirming care in Canada: How Health Spending Accounts improve access
For many trans, two-spirit, and non-binary Canadians, accessing gender-affirming care is not just a nice to have— it’s essential, it’s what makes living as your true self possible. Yet too often, public coverage related to gender-affirming care is patchy, private insurance can be restrictive,
Wait... your HSA can do that?
Surprising ways small businesses and their teams can use a Health Spending Account (and why more Canadians should).
Why did benefits become important?
In today’s workforce, one thing is clear: group benefits are no longer a “nice-to-have.” They’re a non-negotiable. But not all benefits are created equal. As employees demand more flexibility, transparency, and value from their coverage, the limitations of traditional premium-based plans are becoming painfully
How to rock an HSA on a budget.
Stretch every dollar. Support your health. Skip the red tape. In an era of rising costs and shrinking benefit plans, a Health Spending Account (HSA) is one of the most flexible, tax-savvy tools Canadians have at their disposal. But what if your HSA isn’t huge? Here’s the
What is the ROI of a Group Benefits plan?
As a small business owner, you’re constantly balancing the needs of your team with the realities of your bottom line. Every dollar counts—and every investment must earn its place. So when it comes to offering a group benefits plan, the question isn’t just “Can we afford this?