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

21. Aug 2023 Admin Saskatoon Insurance

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

21. Aug 2023 Admin Saskatoon Insurance

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

21. Aug 2023 Admin Saskatoon Insurance

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! 


Trusted Saskatoon Mobility Products & Service Professionals At PrairieHeart Mobility Provide A Helpful Tip About Increasing Your Mobility With A Scooter

21. Aug 2023 Admin Saskatoon Health & Wellness

PrairieHeart Mobility is your Trusted Saskatoon source for mobility products and they serve customers across Saskatchewan, with three locations to serve you including Saskatoon. Along with private individuals, they also work with rehabilitation centres, hospitals and paediatric offices. As a family owned and operated business, they are committed to improving their customers’ quality of life through increased mobility as well as ease of access and safety in their homes. In this Trusted Saskatoon Mobility tip they share helpful information about increasing mobility with scooters 

PrairieHeart Mobility are Trusted Saskatoon Mobility Products & Service Professionals!

Increase Your Ability effectively With A Mobility Scooter


Increase Your Mobility 


When you’re looking for the highest level of performance in mobility to increase your ability to effectively get around to the places you need to be, look no further than the selection of scooters in Regina, Moose Jaw, Saskatoon and beyond from PrairieHeart Mobility.


Mobility scooters are electric-powered vehicles designed to assist individuals with limited mobility in getting around. Here are some key points about mobility scooters:


1. Design and Features: Mobility scooters typically have a chair-like seating arrangement, handlebars or a tiller for steering, and a battery-powered motor for propulsion. They come in various sizes and designs, ranging from compact models for indoor use to larger and more robust models for outdoor and off-road use.


2. Maneuverability: Mobility scooters offer excellent maneuverability, allowing users to navigate through narrow spaces, hallways, and crowded areas with ease. They have a tight turning radius, making them suitable for use in indoor environments like homes, shopping centers, and medical facilities.


3. Range and Speed: The range of a mobility scooter refers to the distance it can travel on a single battery charge. This can vary depending on factors such as battery capacity, terrain, user weight, and speed. Speed capabilities also vary, with most scooters offering a range of speeds to accommodate different user preferences and safety requirements.


4. Outdoor Use: Many mobility scooters are designed for outdoor use, equipped with features like suspension, larger wheels, and increased ground clearance to handle uneven terrain, inclines, and rough surfaces. These scooters can provide individuals with greater freedom and independence to explore their surroundings and engage in outdoor activities.


5. Safety Features: Mobility scooters typically come with safety features such as headlights, taillights, turn signals, and reflectors to enhance visibility. They may also have horn systems, rearview mirrors, and anti-tip mechanisms for stability and user safety.


6. Weight Capacity: Mobility scooters have weight capacity limits that determine the maximum user weight they can safely accommodate. It's important to consider the weight capacity when selecting a scooter to ensure it can support the user's weight comfortably.


7. Accessibility and Transport: Mobility scooters offer an accessible transportation option for individuals who may have difficulty walking long distances. Some models can be disassembled or folded for easier transport in vehicles, while others are designed for transport with the use of vehicle lifts or ramps.


8. Consultation and Training: Before purchasing or using a mobility scooter, it is advisable to consult with our mobility specialists who can assess your specific needs. They can provide guidance on selecting the appropriate scooter, offer training on safe operation, and provide maintenance tips.


When using a mobility scooter, it's important to be mindful of local regulations, adhere to traffic rules, and prioritize safety. Always follow the manufacturer's guidelines for proper use, maintenance, and charging of the scooter.


PrairieHeart Mobility isn’t simply a provider of Scooters they are a comprehensive mobility company. They provide complete after-sales service to their customers, which includes maintenance and repairs to all products on-site. 

As well as a wide range of products, including:


'People First' 

PrairieHeart Mobility Is A Trusted Saskatoon Mobility Products & Service Store!




Trusted Saskatoon Mobility Products & Service Professionals At PrairieHeart Mobility Provide A Helpful Tip About Using Action Track Chairs For All-Terrain Mobility

21. Aug 2023 Admin Saskatoon Health & Wellness

PrairieHeart Mobility is your Trusted Saskatoon source for mobility products and they serve customers across Saskatchewan, with three locations to serve you including Saskatoon. Along with private individuals, they also work with rehabilitation centres, hospitals and paediatric offices. As a family owned and operated business, they are committed to improving their customers’ quality of life through increased mobility as well as ease of access and safety in their homes. In this Trusted Saskatoon Mobility tip they share helpful information about Action trackchairs. 

PrairieHeart Mobility are Trusted Saskatoon Mobility Products & Service Professionals!

Why Action Trackchairs Should Be Considered


Mobility In Any Terrain



The Action Trackchair is an all-terrain wheelchair designed to provide mobility and access to various outdoor environments. Here are some key points about the Action Trackchair:


1. Design and Features: The Action Trackchair features a durable and robust design, equipped with tank-like tracks instead of traditional wheels. These tracks provide enhanced traction and stability, allowing the user to navigate through challenging terrains such as sand, snow, mud, gravel, and rough terrain.


2. All-Terrain Capability: The Action Trackchair is specifically designed for off-road use and can handle a variety of outdoor environments. It allows individuals with mobility challenges to explore nature, participate in outdoor activities, and access areas that may be difficult or impossible with traditional wheelchairs.


3. Versatility: The Action Trackchair offers versatility in terms of customization and adaptability. It can be equipped with various seating options, including manual or power tilt, recline, and elevation features. These adjustments provide comfort and support for individuals with specific mobility needs.


4. Battery-Powered: The Action Trackchair is powered by a battery, enabling electric propulsion over challenging terrains. The battery life can vary depending on factors such as terrain, usage, and the weight of the user. It is essential to consider the battery range and charging options to ensure it meets your needs.


5. Accessibility and Independence: The Action Trackchair aims to promote accessibility and independence for individuals with mobility impairments. By providing the ability to traverse uneven terrains and engage in outdoor activities, it offers a greater sense of freedom and expands opportunities for recreational and leisure activities.


6. Considerations: While the Action Trackchair offers significant benefits for outdoor mobility, it is important to consider factors such as size, weight, and maneuverability. The trackchair may have different dimensions compared to standard wheelchairs, which can affect access through doorways and maneuver in tight spaces.


7. Availability and Consultation: To acquire an Action Trackchair, it is recommended to contact the manufacturer or authorized dealers to inquire about availability, pricing, and customization options. They can provide guidance and assess your specific needs to ensure the trackchair is a suitable solution for your mobility requirements.


As with any mobility aid, it is crucial to consult with mobility specialists who can assess your individual needs and recommend the most appropriate equipment for your specific situation. At PrairieHeart Mobility we can provide valuable advice and assistance in determining if the Action Trackchair is suitable for your mobility needs and goals.



PrairieHeart Mobility isn’t simply a provider of Action Trackchairs, they are a comprehensive mobility company. They provide complete after-sales service to their customers, which includes maintenance and repairs to all products on-site. 

As well as a wide range of products, including:


'People First' 

PrairieHeart Mobility Is A Trusted Saskatoon Mobility Products & Service Store!



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