10 Things You Should Know About The Chamber's Group Insurance Plan

The Chambers of Commerce Group Insurance Plan provides employee benefits to over 33,000 business owners in Canada. The Chambers Plan offers affordable and accessible benefits to businesses with as little as one employee. So, here are ten things you should know about the Chambers Plan!

  1. No Minimum Firm Size

    1. The Chambers Plan was introduced to protect small businesses of various sizes. The plan can offer coverage to home-based businesses and growing companies of up to 50 employees

  2. No Industry Restrictions

    1. All for-profit businesses are eligible to participate in the Chambers Plan as long as they are members of a participating Chamber of Commerce or Board or Trade

    2. The Chambers does not believe that your industry should determine your coverage, therefore they can provide the benefit plan that is best for the specific needs of your business and employees

  3. Guaranteed Approval

    1. Firms with as little as one or two employees can choose options with guaranteed coverage

    2. Businesses with five or more employees can choose extensive dental coverage

    3. Groups with ten or more employees can add children’s orthodontics

  4. Guaranteed Renewable

    1. Your business is guaranteed renewable coverage as long as you pay your premiums each month

    2. Chambers makes this easy by offering one automatic payment to renew your Chamber membership and Plan premium

  5. Rate Stability

    1. Claims are averaged over more than 30,000 companies, just like yours

    2. The Chambers uses a pooling concept on health and dental benefit claims

    3. Small fluctuations to a firm’s claims do not automatically factor into the rates giving firms a greater opportunity for rate stability over the long term

  6. Not-For-Profit

    1. Chambers Plan operates under the direction of the not-for-profit Chambers of Commerce Insurance Corporation of Canada

    2. All surpluses are put back into the plan, keeping your premiums low!

If you’re wondering how you can become a Chambers of Commerce Group Insurance Plan member, give us a call! We can help you determine the plan that is best for you.

Gold Key Benefits Group
4732 91 Ave NW, Edmonton, AB T6B 2L1
+1 877-277-0677
http://www.goldkeybenefits.com

Five Reasons to go for a Massage

5 reasons to go for a massage

If you're looking for a reason to go for a massage, look no further! 

Massage therapy has incredible health benefits, including promoting relaxation of the body and the mind. If you work a stressful job, experience chronic pain or headaches, or just need to relax, massage therapy might just be the answer for you! 

Massage can help to relieve stress by lowering your heart rate and decreasing your blood pressure. If your daily responsibilities are causing you a great deal of stress, try a massage to help you relax! 

According to the National Institute of Mental Health, over 40 million adults struggle with anxiety disorders. If you're one of them, 60 minutes of massage therapy might help to reduce the anxiety you're feeling, leading to a better quality of life! 

Tension headaches are the most common form of headaches in adults. They are caused by stress and emotional conflicts and they cause your neck muscles, face muscles, scalp and jaw to tighten, causing tension leading to headaches. 

As mentioned above, leading a stressful life can cause high blood pressure. Visiting a massage therapist regularly can help to lower your blood pressure, increasing your overall health and well-being. 

Last but not least, the most convincing reason to visit a massage therapist is to relax. Taking an hour for yourself on a regular basis can help you to deal with life's stressors more effectively and can lead to a happier and healthier lifestyle. Don't be afraid to take the time for self-care! 

The best part about massage -- it's usually covered under your group insurance plan! If you're not sure if you have coverage, or if you're wondering how to make a claim, give us a call and we will help you work through it! 

Gold Key Benefits Group
4732 91 Ave NW, Edmonton, AB T6B 2L1
1-877-277-0677
http://www.goldkeybenefits.com/

How to Deal with the Legalization of Cannabis in the Workplace

If you're like many other Canadian employers looking for ways to ensure workplace safety with the legalization of cannabis, this blog is for you. 

The Canadian Centre for Occupational Health and Safety released a document last June that provides suggestions and guidelines for businesses to follow once legalization occurs. We curated some of the most valuable aspects of the document and will highlight them for you in this post. 

  1. Canadian employers have a duty to provide a safe work environment and take all reasonable precautions to protect the health and safety of employees and others in the workplace. Due diligence is demonstrated by the employer’s actions before an event occurs, not after.
  2. To establish due diligence, an employer will have written occupational health and safety policies in place to establish any hazards around the workplace. The employer must then inform all employees about potential hazards and take the necessary actions to correct them.
  3. In the case of cannabis use and the workplace, the employer should consider workplace policies and programs as they may relate to impairment from any source such as fatigue, life stresses, alcohol, medications (used legally or illegally), cannabis (recreational or therapeutic), or any other substance.

It is important to tailor the policy to meet the specific needs of the workplace. Elements of the policy could include:

  1. that arrangements have been made for employee education (e.g., a general awareness regarding disability due to substance dependence)
  2. statement regarding if either medical/therapeutic or non-medical substances are allowed on the premises, or under what situations they would be allowed
  3. a mechanism for employees’ to confidentially report when they have been prescribed a medication that may cause impairment
  4. statement of the employee’s rights to confidentiality
  5. statement of who is covered by the policy and/or program
  6. definition of what the employer considers to be impairment
  7. definition of substance use
  8. statement of the purpose and objectives of the program
  9. that arrangements have been made for educating and training employees, supervisors, and others in identifying impaired behavior and what steps will be taken
  10. provisions for assisting those with disability due to substance dependence
  11. processes for accommodation, and return to work/remain at work planning
  12. if applicable, statement of under what circumstances substance testing will be conducted, as well as the criteria for testing and interpretation of test results
  13. provision for a hierarchy of disciplinary actions 

Having policies in place to prepare your company for the legalization of cannabis is important. We will be posting more from the document in our next post, but we hope you find this helpful in regards to policies and procedures. 

To read more, click here.

Gold Key Benefits Group
4732 91 Ave NW, Edmonton, AB T6B 2L1
(780) 328-6514