5 Reasons to Sign up for a Life Insurance Policy

Have you always thought about signing up for a life insurance policy, but haven’t quite gotten around to it yet? We get it! Countless people put life insurance off because see themselves as young and healthy, they don’t want to pay the premiums, and they tell themselves they will consider it later.  

Life insurance can help you to look after your family, your assets, the things you care most about, and even your business. We found a really great article that points out he benefits of having a life insurance policy and we compiled our favourites into an easy to read list for you! Check them out:

1.      Provide income for your family when you are no longer able – If you experience a tragic accident and you aren’t able to provide for your family, a life insurance policy can replace your income to ensure your loved ones are taken care of.

2.      Eliminates debt at an important time -If you have a large amount of debt, your life insurance policy will pay off what you owe after you have passed, just another way to ensure your loved ones are well taken care of.

3.      Leaves a legacy of value – You don’t always have to purchase a life insurance policy for yourself; some people purchase policies on the lives of their children, which can be transferred directly to the child when he/she turns 18. This provides a tax-free legacy for future generations.

4.      Ensures the continuity of your business – Your policy can help to ensure your business lives on even after you have passed.

5.      Help to make meaningful donations – If you have the desire to help your favourite charity, you can donate the proceeds of your life insurance policy after your passing.

If you’d like to look into a life insurance policy or have questions about signing up, give us a call! We can help you to understand the different types of coverages available to you and we can get you signed up in a timely manner!

 

To read the full article, click here

Chiropractic vs Massage Treatments

Are you amongst the many people who experience soreness and/or stiffness at the end of a long work day? Regardless of whether you have an active job that requires you to be on your feet, or a job that requires you to be sitting all day, our bodies can become tired and worn out by the end of the week.

Two of the best and most common forms of pain management for sore muscles and joints are chiropractic and massage treatments, which are generally covered under your group benefits program. Using your employee benefit program to cover the cost of treatment allows you to maintain your overall health and well-being with regular visits to your licensed chiropractor or registered massage therapist.

However, there is often confusion about which treatment is right for your needs. So how do we know which one is best? First things first, we should know the difference between the two practices:

Massage is aimed at solving muscular issues such as tension, spasms, or strained/pulled muscles. Massage therapy can also reach into your nervous system by helping fluids to move more freely throughout your body. While massage therapists cannot adjust your joints or prescribe medications, they can be a great source of holistic healing to relieve tension and make sure your body is performing at its full potential.

Unlike massage therapists, chiropractors are able to address the issues lying within your musculoskeletal and nervous systems. They can write prescriptions and provide rehabilitative exercises tailored to your specific needs. Chiropractic care is especially useful in helping with joint pain, headaches, insomnia, and neck or back pain.

To take your course of treatment one step further, you can combine the two practices to help with chronic pain. Massage therapy is a great way to warm up your body and ensure you are relaxed before going in for a chiropractic treatment; your chiropractic adjustment is more likely to last longer if your muscles are relaxed before. Similarly, your massage is likely to be more effective when your joints are properly aligned.

Both forms of treatment can bring relief to your body and help with your overall wellbeing, but we know they can be expensive when they are not covered by your insurance. If you have questions regarding coverage of these treatments, please talk to your plan administrator or call our office for the details of your extended health care coverage.

 

To read more about the benefits of chiropractic and massage treatments, please see this article.  

The Mental Health Stigma

As most Canadians know, yesterday was Bell Let's Talk day; a day that aims to raise awareness and end the stigma surrounding mental health conditions. 

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We believe that mental health shouldn't only be a priority one day of the year, but rather a continuous conversation between employees and employers that takes place throughout the year. Your employees' mental health is equivalent to their physical well-being, and that's why your Chambers of Commerce Group Benefit Plan offers coverage for counselling services along with other extended health care benefits.

Each Chambers of Commerce Group Plan comes equipped with a Business Assistance Service; a program which offers up to three hours of professional counselling services at no extra charge to the employee. Your employee calls a toll-free number, has a confidential conversation about the issue he or she is facing, and is then referred for an in-person or over-the-phone meeting with a specialized counsellor. 

If the employee uses the full three hours of free service, he or she can continue to see the same counsellor using the coverage provided by the benefit plan, which will cover either a portion or the full amount of the appointment depending on the company's employee benefit program

To learn more about the Business Assistance Service, please click the button below or contact our office with any questions you might have.