Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Group Benefits Professionals at Aurora Workplace Solutions Explain HSA's

Aurora Workplace Solutions are about creating brilliant futures by developing wealth security for businesses and individuals. As experts in the industry, they keep on top of recent news including changes to relevant group benefit plans, retirement savings options, and guidelines and policies. They also keep their eyes open for informative articles we think are of interest to our current and potential clients. Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 

WHAT IS A HEALTH SPENDING ACCOUNT

Heard about HSA'S ?



A health spending account (HSA) is a type of employer-funded benefit plan that allows employees to use allocated funds for eligible healthcare expenses. It is designed to provide flexibility and choice in healthcare spending, allowing employees to personalize their healthcare needs. Here's how a health spending account works:


1. Funding: Employers allocate a specified amount of money toward each employee's health spending account. The allocated funds can vary based on factors such as employee classification, job position, or years of service. These funds are typically provided on an annual basis and may roll over from year to year, depending on the plan design. Typically there are no up front expenses for the employer, the employer is only required to pay for employee claims when they are submitted by each of the employees.


2. Eligible Expenses: Health spending accounts cover a wide range of eligible healthcare expenses. These may include prescription medications, dental care, vision care, paramedical services (such as physiotherapy, chiropractic care, and massage therapy), medical equipment, and other health-related products or services. The eligible expenses are typically defined by the plan and may be subject to certain limits or exclusions.


3. Flexibility: Unlike traditional insurance plans with predefined coverage and limits, health spending accounts offer flexibility and choice. Employees have the freedom to allocate the funds according to their individual healthcare needs. They can decide how much to spend on specific healthcare services, treatments, or products, based on their personal circumstances.


4. Tax Advantages: Health spending accounts provide tax advantages for both employers and employees. Employer contributions to health spending accounts are typically tax-deductible as a business expense. For employees, the funds allocated to the health spending account are not subject to income tax, as long as they are used for eligible healthcare expenses.


5. Employee Empowerment: Health spending accounts empower employees to make informed decisions about their healthcare. They can choose the healthcare services or products that best meet their needs, rather than being restricted to predetermined coverage. This promotes personal responsibility and engagement in healthcare decisions.


It's important to note that the specific details and rules of a health spending account can vary depending on the plan and employer. It's advisable to review the plan documents and guidelines provided by your employer to fully understand how the health spending account works and the specific eligible expenses covered.


Health spending accounts can be a valuable benefit option that provides employees with flexibility, choice, and tax advantages for their healthcare spending. Contact Aurora to determine if a health spending account is suitable for your specific situation.




Aurora Workplace Solutions design & create custom group benefits plans that meet custom organization goals. Read more about their Group Benefits Plans or contact them today to get started!

'Creating Brilliant Futures'


Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 




Trusted Saskatoon Group Benefits Professionals at Aurora Workplace Solutions Explain The Rising Cost Of Group Benefits In Canada

Aurora Workplace Solutions are about creating brilliant futures by developing wealth security for businesses and individuals. As experts in the industry, they keep on top of recent news including changes to relevant group benefit plans, retirement savings options, and guidelines and policies. They also keep their eyes open for informative articles we think are of interest to our current and potential clients. Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 

HOW TO MANAGE THE RISING COST OF GROUP BENEFITS 

Rising cost of group benefits in Canada



It is understandable to be concerned about the rising cost of group benefits in Canada. Several factors contribute to the increasing costs of group benefits, including rising healthcare expenses, increased utilization of healthcare services, evolving insurance regulations, and demographic shifts. Here are some factors to consider and potential strategies to manage the rising costs:


1. Analyze Plan Design: Review your group benefits plan design to ensure it aligns with the needs of your organization and employees. Consider adjusting coverage levels, co-pays, deductibles, or maximum limits to balance cost and coverage. Working with a benefits consultant can help you evaluate your plan design and identify areas for cost optimization.


2. Employee Wellness Programs: Implementing employee wellness programs can help promote a healthier workforce, reducing the utilization of healthcare services and related costs. Encourage healthy lifestyle choices, provide wellness resources, and offer incentives for employees to participate in wellness activities.


3. Shop Around for Competitive Rates: We regularly review and compare quotes from different insurance providers to ensure you are getting the best value for your group benefits plan. 


4. Consider Self-Insurance or Alternative Funding Options: Depending on the size and stability of your organization, self-insurance or alternative funding arrangements (such as level-funded or partially self-insured plans) could be worth exploring. These options provide more control over plan costs, allowing you to pay for claims directly rather than through traditional insurance premiums.


5. Employee Education and Communication: Communicate the value of group benefits to your employees and help them understand the costs associated with providing comprehensive coverage. Educate employees on the responsible use of healthcare services, the importance of preventive care, and ways to maximize their benefits. This can help reduce unnecessary healthcare expenses and mitigate cost increases.


6. Data Analysis and Predictive Modeling: Use data analytics and predictive modeling to identify trends, patterns, and high-cost areas within your group benefits plan. By understanding utilization patterns, you can make informed decisions on plan design adjustments, wellness initiatives, and targeted interventions to address specific health issues proactively.


7. Government Programs and Tax Credits: Stay informed about government programs, incentives, and tax credits related to group benefits. For example, the Canadian government offers tax incentives for employers providing certain types of group benefits. Understanding these programs can help offset some of the costs associated with providing group benefits.


Managing the rising costs of group benefits requires a proactive approach that considers plan design, employee wellness, market comparison, and data-driven decision-making. It is advisable to consult our advisors who specialize in group benefits to navigate the complexities and identify cost-saving opportunities specific to your organization.



Aurora Workplace Solutions design & create custom group benefits plans that meet custom organization goals. Read more about their Group Benefits Plans or contact them today to get started!

'Creating Brilliant Futures'


Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 



Trusted Saskatoon Group Benefits Professionals at Aurora Workplace Solutions Explain The Benefits of Group Benefits

Aurora Workplace Solutions are about creating brilliant futures by developing wealth security for businesses and individuals. As experts in the industry, they keep on top of recent news including changes to relevant group benefit plans, retirement savings options, and guidelines and policies. They also keep their eyes open for informative articles we think are of interest to our current and potential clients. Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 

Importance Of Group Benefits Explained 

The Benefits of Group Benefits 


Group benefits refer to employee benefits provided by employers to their employees as part of a group insurance plan. These benefits offer several advantages to both employees and employers. Here are some key benefits of group benefits


 1.Comprehensive Health Coverage: Group benefits typically include health insurance coverage, which provides employees with access to essential medical services. This can include coverage for doctor visits, hospital stays, prescription medications, paramedical services (such as physiotherapy, chiropractic care, and massage therapy), and other healthcare needs. Having comprehensive health coverage helps employees manage their healthcare costs and ensures timely access to necessary medical treatment.


2. Extended Health Services: Group benefits often include coverage for additional health services that may not be covered under provincial healthcare plans. This can include vision care (eye exams, glasses, and contact lenses), dental care (preventive, restorative, and orthodontic treatments), and other paramedical services like psychologists or naturopaths. These extended health services provide employees with enhanced wellness and preventive care, promoting overall health and well-being.


3. Income Replacement: Group benefits typically include short-term and long-term disability insurance, which provides income replacement for employees who are unable to work due to illness, injury, or disability. This coverage ensures that employees have a source of income during periods of absence from work, helping them manage their financial obligations and maintain their standard of living.


4. Life and Accidental Death Coverage: Group benefits often include life insurance coverage, providing financial protection for employees' dependents in the event of their death. Additionally, accidental death and dismemberment coverage may be included, which provides benefits in case of accidental death or severe injuries resulting in permanent disability. These coverages offer peace of mind and financial security to employees and their families.


5. Employee Retention and Attraction: Offering comprehensive group benefits is an effective tool for attracting and retaining talented employees. In a competitive job market, quality benefits can differentiate employers and make their job offers more attractive. Employees value the security and peace of mind that comes with having access to health coverage, disability protection, and other benefits. It also demonstrates that employers care about their employees' well-being, fostering a positive work environment and increasing employee loyalty.


6. Cost Savings for Employees: Group benefits often provide more cost-effective insurance coverage compared to individual plans. Employers negotiate group rates with insurance providers, resulting in lower premiums for employees. Additionally, group benefits often cover pre-existing conditions without exclusions or waiting periods, which may be a limitation in individual insurance plans.


7. Tax Advantages: Group benefits can provide tax advantages for both employers and employees. In Canada, group benefit premiums paid by employers are typically tax-deductible as a business expense. For employees, the premiums paid towards group benefits are often made on a pre-tax basis, reducing their taxable income and resulting in potential tax savings.


It's important for both employers and employees to carefully review and understand the specific terms, coverage limits, and exclusions of the group benefits plan to ensure it meets their needs. Consulting with Aurora can help in selecting and customizing the right group benefits plan for the organization and its employees.


Aurora Workplace Solutions design & create custom group benefits plans that meet custom organization goals. Read more about their Group Benefits Plans or contact them today to get started!

'Creating Brilliant Futures'


Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals! 


Getting Your Outdoor Space Ready For Fall From Trusted Saskatoon Wheatland Fireplace

Your first step into the beautiful Wheatland Fireplace Saskatoon showroom will help you understand why Wheatland Fireplace has been given the Thumbs up by Trusted Saskatoon. Wheatland loves its customers and as a result, their customers love and TRUST them. In their latest outdoor living tip, they share how to get your outdoor space ready for fall. 

Getting Your Outdoor Space Ready for Fall

Back to school. Leaves falling. Pumpkin picking. Fall is here and getting your outside space ready for the changing season should be a priority. Whether you’re wrapping up the outdoor season or settling in for a long fall, these tips will help you prepare your deck, porch, patio, or backyard for fall.


Deck Décor

Cooler nights call for warm lighting, fires, and cozy furniture. Decking your furniture out with big, fluffy pillows and blankets can help set the cozy tone in your backyard. While in the summer months, blankets likely aren’t needed, having a variety of indoor/outdoor blankets available for guests can be a great way to keep them warm and extend your evening. For an extra pop of fall colour, use reds, oranges and yellows in your pillow and blanket choices. Also, adding fall wreaths, pumpkins, mums, fall foliage or gourds can amp up your décor game. 


An Element of Fire

Another great way to keep warm this fall is with a fire pit or table. Wheatland has several great options that will fit nearly any type of backyard setup. Stay cozy and warm with any of our options this fall. Have specific questions about how to take care of your fire table in the fall and winter? Contact Wheatland today!


Light It Up

Lighting is an inexpensive addition you can make to your backyard to make it feel warm, cozy and inviting. String lights put off the perfect amount of lighting to give a warm ambience to any setting. Candles are another great way to add warm lighting but try a flameless option to keep your yard and home safe.


Cover It Up

Buying a cover for your patio furniture, including your fire pit table, is a great way to protect it from wind, rain and the impending winter weather. Durable, weather-resistant covers will help protect your investment and keep snow, leaves and other elements out of your fire pit table.


Wheatland Fireplace, Kitchen & Bath are successful for a reason! This really is where your outdoor living and indoor fireplace, bathroom & kitchen dreams meet in spectacular surroundings! Wheatland services and installs high-quality fireplaces. Visit their website or stop by their showroom to feel the warmth and comfort of their amazing selection.

"Better Living Begins Here... At Wheatland, it is ALL ABOUT YOU!"

Wheatland Fireplace Kitchen & Bath is your Trusted Saskatoon Outdoor Living Store 

Trusted Saskatoon Plumbers at Perfection Plumbing Discuss What to Do When Your Hot Water Runs Cold

Perfection Plumbing & Drain Cleaning Ltd. is a premier provider of quality drain cleaning and plumbing services in Saskatoon, SK. They are the company of choice to handle all of your plumbing concerns including drain cleaning service, water heater installation, plumbing repair, and more. Perfection Plumbing is a Trusted Saskatoon Plumbers on the Saskatoon Directory. In their latest tip, they discuss what to do when your hot water runs cold. 


When Your Hot Water Turns Cold

Let’s delve deep into the frustrating problem of running out of hot water mid-shower. We’ll explore the most common reasons for this unwanted surprise and provide useful information to better understand the inner workings of your hot water system. From outdated tanks to high demands, we’ll explain what to expect and suggest practical solutions to avoid the dreaded cold shower. So trust us, by the end of this post, you’ll feel confident in understanding the culprits behind your lukewarm or ice-cold water, and be one step closer to enjoying uninterrupted steamy showers.


Understanding the Common Culprits

Does your shower run cold sooner than it should? Or does the water refuse to heat up altogether? Before you panic and shell out money on a new water heater, it’s worth investigating some common culprits that cause heating issues. Sediment buildup in the tank is the most common cause of faulty water heaters. As water is heated, mineral deposits settle at the bottom of the tank, insulating the water from the burners and heating element. This causes your water heater to work more than it needs to and eventually damages its ability to heat water. Typically, it’s not the heating equipment that fails but wear and tear on the tank itself. A faulty thermostat can also cause issues leading to a lack of hot water.


Sediment Buildup in the Tank

One of the most common culprits of water heater problems is sediment buildup in the tank. Over time, minerals and debris can accumulate at the bottom of the tank, causing various issues. This sediment buildup can lead to reduced efficiency, heating problems, and even damage to the tank. One way to prevent sediment buildup is to flush the tank regularly. This involves draining the tank of its contents to remove any debris that has settled at the bottom. If you notice odd noises or fluctuations in water temperature, it’s a good sign that sediment buildup might be an issue.

Ignoring sediment buildup can lead to inconvenient and costly repairs. It’s essential to schedule routine maintenance to avoid any problems with your water heater. A well-maintained water heater system will operate efficiently and last longer.

If the problem persists, it’s best to call in an expert to take a closer look. A professional will assess the situation, and provide the best solution for your specific water heater needs. Don’t ignore sediment buildup in your water heater – regular maintenance or a quick call to a professional saves time, money, and frustration down the road.


A Faulty Thermostat

If you find that your water is lukewarm or cold despite an adequate power supply and size, a faulty thermostat might be the culprit. The thermostat works by regulating the heating element, which is responsible for heating the water in the tank. A common cause of a faulty thermostat is the age of the water heater. Over time, thermostats wear out, resulting in inaccurate temperature readings. Another source of malfunction is the accumulation of sediment around the thermostat. This insulation makes it difficult for the thermostat to read the water temperature accurately. Sediment buildup is often the result of not flushing the tank regularly.

Not detecting such a glitch may lead to wasted energy. The heating element could remain on longer than required, contributing to a higher electrical bill. Moreover, it could cause the heater tank to overheat, increasing the risk of leaks or complete failure.

It’s essential to schedule regular maintenance to avoid such issues. Sometimes replacing the thermostat or cleaning it is all that’s needed. For such tasks, you might require a knowledgeable professional, particularly if you lack technical expertise.


A Malfunctioning Heating Element

A Malfunctioning Heating Element: A malfunctioning heating element is a common problem that water heaters encounter. This issue could result from corrosion due to sediment buildup or general wear and tear. A faulty heating element can cause the water heater to stop delivering hot water altogether or reduce the heat supply to a large extent.

If your water heater has a malfunctioning heating element, you may notice signs such as a drop in water temperature, strange noises, or a foul odor emanating from the hot water. Replacing a heating element requires technical expertise and should be done by a qualified professional.

Ignoring a malfunctioning heating element could lead to more significant issues such as leaks, a total breakdown, or accidents. A replacement may be the best solution, especially if the heating element is susceptible to recurring problems. Regular maintenance of your water heater can prevent a malfunctioning heating element and other issues. Ensure your heating element is checked during these routine checks, and any problems are dealt with effectively.


Issues with Electrical Components

Issues with electrical components are another frequent source of problems with water heaters. Faulty wiring, loose connections, and damaged elements can all cause serious issues that affect the function and safety of your heater. In some cases, electrical problems can even lead to dangerous situations like fires and electrocution.  To avoid problems with electrical components, it’s important to have your water heater wiring and elements inspected regularly by a professional. They can not only identify issues before they become serious but also help keep your heater running efficiently and safely.


Improperly Sized Water Heater

One of the most common reasons for water heater malfunction is a unit that is improperly sized for the household’s needs. Bigger is not always better when it comes to water heaters, and a unit that is too large will not only be wasteful but costly. A water heater that is too small, on the other hand, will struggle to keep up with the household’s hot water demand. This can be particularly frustrating during peak usage times such as during the morning rush to get ready for work or school. It’s important to match the size of the water heater with the household’s hot water usage to ensure maximum efficiency. When in doubt, consult a professional to determine the correct size for your needs. Investing in the right-sized water heater will save both time and money.



Preventative Maintenance

Keeping your water heater in top shape via preventative maintenance is crucial to ensure that your water heater remains in excellent working condition. Regular inspection and servicing can identify and fix minor issues before they turn into significant problems that could end up costing you a lot in repairs or replacements.

One of the easiest things you can do to maintain your water heater is to flush the tank regularly. Sediment buildup leads to reduced efficiency and shortened lifespan. Flushing the tank will remove any accumulated mineral deposits, ensuring that your water heater can operate optimally.

Another important preventative maintenance step is to check and replace faulty valves, such as the temperature and pressure relief valves. These valves regulate pressure and temperature, so if they aren’t functioning correctly, your water heater could be at risk of becoming over-pressurized.

It’s also essential to check and replace anode rods. Anode rods are sacrificial rods that attract bacteria and minerals, preventing them from corroding your tank walls. By periodically inspecting and replacing them, you can extend your tank’s lifespan and avoid expensive replacements.

Finally, remember to check for leaks regularly. Even if you don’t notice any visible signs of leaks, such as water pooling around the tank, it’s possible for leaks to occur inside the tank, leading to rusting and corrosion. As you can see, preventative maintenance is crucial to ensure that your water heater runs smoothly and efficiently. By taking these easy steps towards the health of your heater, you’ll enjoy hot water in your home for a long time to come.


Calling in a Professional

If you have tried all the usual troubleshooting methods, but your water heater is still malfunctioning, it is time to call in a professional. An experienced and knowledgeable technician can diagnose the root cause of your water heater’s problems and provide the best solution. They will inspect all elements of your system, from the thermostat and heating elements to the electrical components and sediment buildup. Technicians also have specialized tools and equipment to easily diagnose and repair any water heater issues. Additionally, a certified professional can help you determine whether it is more cost-effective to repair or replace your current water heater. Remember, trying to fix a water heater on your own can be dangerous, so it is essential to call in a professional for any complex issues.

If you are experiencing any problems with your toilet or just want an updated look and better water efficiency, contact us at 306-652-9556 or fill out our contact form for more info.

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