Written by: Matthew Chiang Certified Financial Planner CAPCORP Financial Are you self-employed with no medical coverage? Have you recently retired and been left without medical coverage? Changed employers and haven’t been offered a benefits plan? No one plans to get sick or have an accident. If this happens to you or a family member and […]
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Is your Group Benefits plan leaving you open to a large liability?
Written by: Alex Sernoskie Employee Benefits Analyst CAPCORP Financial Group Benefits plans can be a large financial commitment, they shouldn’t also leave you open to a large liability. If you have someone on your plan that isn’t eligible then you can be exposed to a heavy liability. The only people that are allowed to be […]
How to determine your “Number” for retirement
Written by: Brian Hay Investment Specialist & Financial Advisor CAPCORP Financial I’ve had some interesting financial planning meetings over the years; each one different and memorable. I often think back to one meeting, where my client was trying to determine that magic “number” that would lead to a comfortable and secure retirement. Let’s call this […]
What if?……Critical Illness Insurance for Children
Written by: Mike Hamilton Financial Advisor CAPCORP Financial As a financial advisor, I’m hardwired to ask difficult and sometimes awkward questions. My wife gets so embarrassed when at a social gathering, I’ll ask a new acquaintance, family member, or friend what would happen (to their financial plan) if they were to become injured, get sick, […]
HR without the Spreadsheets
Any successful organization knows that its most important asset is its people. However, with the all too common “do more with less” mentality facing many industries, it can be a challenge for HR to keep on top of growing demands, and what if there is no HR department?
Did you take the mortgage insurance offered by your bank?
If you thought that Mortgage Insurance was the only way to go, it isn’t. Life insurance performs a similar function and the benefits are substantial. Make sure you know the difference.
Is your child’s medication still covered?
If you have a child under the age of 25 and they have a prescription medication it was likely being covered by OHIP+. As of April 1, 2019, the OHIP+ program has changed. OHIP+ is designed to help those under the age of 25 receive their prescription medication for free and currently covers around 4,400 […]
Top 3 Points to Consider when Implementing an Employee Benefits Plan
Employee Benefits Analyst at CAPCORP Written by: Alex Sernoskie An employee benefits plan is an expense that can cost you thousands of dollars a year. So before you make any decisions on a benefits program here a few things to consider: Know why you’re putting in a benefits plan. An employee benefits plan should be […]