Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Group Benefits Professionals at Aurora Workplace Solutions Explain Critical Illness 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 Critical Illness Insurance Explained

Critical Illness Insurance Coverage Helps You Recover

A critical illness can strike at any time, and it can happen to anyone, regardless of their age or gender. Although the incidence of cancer, heart disease, and stroke are rising in Canada, the odds of surviving a critical illness are better than ever. Thanks to medical advances.

But surviving a health crisis can often involve a number of financial challenges for which you were unprepared. Long Term Disability payments can help replace lost wages, but not the additional costs associated with surviving a critical illness. Expenses like time off work, travel to and from treatments, home modifications or assistance at home are now added on top of your normal living expenses. That’s where Critical Illness Insurance comes in.


Ease the financial pressures associated with a life-threatening illness

Critical Illness insurance is designed to ease the financial pressures associated with a life-threatening illness by paying a tax-free lump sum if you become seriously ill. As a result, you can devote 100% of your energy to recovery, without worrying about how your illness has affected you financially.


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 Discuss Stop Loss 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 Stop Loss Insurance?

Stop-loss Insurance takes claim off the Employer’s shoulders


When an employee has a health issue requiring expensive treatment, the associated high-cost claims can be significant for their benefits plan sponsor. But it’s impossible to predict when a large claim will arise, so stop-loss insurance, which takes the claim off the employer’s shoulders, is one option to help protect against these unexpected costs.

As a type of insurance policy that sits on top of a benefits plan, stop-loss is available to both fully- and self-insured plan sponsors. When choosing stop-loss insurance, an employer selects a threshold up to which it can reasonably cover claims — ranging from between $10,000 and $100,000 — and any claims beyond that will be covered by the policy.


Stop-loss not a substitute for plan management

The main benefit of stop-loss insurance is its ability to protect the Saskatoon employer from catastrophic claims. For self-insured groups, it primarily acts as a budgeting tool so there aren’t any unexpected hits that could affect accounting.

On the other hand, stop-loss can become costly. While a claim may be mitigated in the first year, premiums can rise in the following years, essentially providing only short-term stabilization. This is especially difficult if the claim is reoccurring, which is the case for most drug claims.

“Stop-loss doesn’t help you avoid cost; it simply helps you prevent an unexpected surge in costs in a given year. It’s not a substitute for plan management.”

Another drawback is that most plans only have a single market for stop-loss insurance, meaning employers can only purchase it from one group, typically their own health insurer, which limits them to that insurer’s quote.

To limit risk, employers can use a pre-existing condition clause for an employee’s first year of employment by setting benefits to a specific limit so they can’t bring in unexpected expenses. Another option is to put a limit on drug reimbursement levels or incorporate provincial drug programs into the benefits plan.

While stop-loss prevents large, unexpected claims from affecting a plan sponsor, it’s important to understand that issues can still arise after a claim is made and employers should be aware of all the available options, so they can make a decision before it’s too late.


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 Discuss Remote Workers

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! 

Should Your Business Hire More Remote Workers?


As businesses scrambled to adapt to strict new health measures, even the most stringent of change evaders were forced to bend to forces beyond their control. Employees began working remotely, keeping in touch with clients from their at-home offices and connecting with co-workers via Zoom or Microsoft Teams.

For some employers, the experience was a hard push into a trend that had already been happening long before the pandemic. And for some, the biggest and most surprising lesson they learned from the experience was that people working remotely actually works.

Of course, it doesn’t work for everyone. Businesses that require employees to be on-site because the work is physical in nature or retail shops that serve customers in-store need real people at work. But for those with employees who already do the bulk of their work digitally – and for those who discovered during the pandemic that they were still doing well without people in the office – taking a deeper look into hiring more remote workers may be worth the effort.


The Benefits of Having Remote Workers

Research undertaken by organizations such as Gallup, Harvard University, Global Workplace Analytics and Stanford University shows a number of ways employers benefit from remote workers.
  • On average, teleworkers are 35-40 per cent more productive than their office counterparts.
  • Employees working remotely are more strongly engaged than their in-office counterparts, with 41 per cent lower absenteeism.
  • Employers who offer the ability to work remotely have better retention of employees. 54 per cent of employees say they would change jobs for one that offered them more flexibility – like where they can work from.
  • Organizations save an average of $11,000 per year per part-time telecommuter.
Another benefit: hiring employees who work remotely means you can access skills that might be scarce locally. Thanks to technology, employers can literally hire employees from anywhere around the world.


How Do You Hire The Right Remote Worker For Your Business? 

Pay attention to their behaviour, even before they interview.
  • Do they respond quickly to your emails? Do they communicate clearly, politely, and respectfully? Can they spell? How they communicate with you reflects how they’ll communicate with your clients.
Make sure they’re suited to working remotely.
  • Just because someone wants to work from home doesn’t mean they’ll be good at it. Weed out the couch surfers from the keeners by asking if they’ve worked remotely before and if they’re set up with the equipment to complete your projects. In the interview, ask them to walk you through a typical workday.
Ensure they’re a good fit for you and your culture.
  • Invite some of your employees to sit in on the interview and ask their own questions, including questions that aren’t all “business” so you can get a sense of the candidate’s personality and if it fits with your work culture. And don’t forget that your current employees can be a great resource. Ask them if they have recommendations for potential hires.
Give them actual work.
  • For candidates who look particularly promising, give them a paid test project with a firm deadline. The assignment should involve all aspects of the job – including working with your team and with supervisors – so you can see how they work, how well they meet deadlines and how they interact with the rest of your staff.

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 Realtor Clark Dziadyk - Realtor of the Ravenswood Acreage Project!

Whether you’re buying a house for the first time, the second, or the seventh time, it’s still one of the biggest decisions you ever have to make. In order to ensure sheer success, you need Trusted Saskatoon Realtor Clark Dziadyk! Clark will ease your mind by taking the pressure off of you to find your dream home! Be assured Saskatoon Real Estate Agent Clark Dziadyk Clark puts 100% effort into everything he does. Clark is the Realtor of the Ravenswood Acreage Project!

Clark Dziadyk - Realtor of the Ravenswood Acreage Project

Build Your Castle

Ravenswood Estates is a rural acreage lifestyle combined with the convenience of city living, located south of Saskatoon along Clarence Avenue. Many amenities from grocery stores to physicians are just a 5-minute drive away.


Space to Grow

LOTS AVERAGE 2.5 ACRES, MORE THAN ENOUGH FOR QUIET SEPARATION

Imagine building your home on land equivalent to 20 city lots (50 ft. x 110 ft.) linked in a row—which is more than enough to provide quiet separation from your neighbours. Enjoy fresh and bountiful vegetables from an expansive garden, set up a trampoline for the kids, all while still leaving you enough space for a heated shop.


Water, Energy, Power

UTILITIES INCLUDE: CITY TREATED WATER, SASKENERGY, AND SASKPOWER

Every lot has access to Saskatoon’s treated water, which has been dubbed one of the safest water supplies in North America. SaskEnergy provides natural gas lines so you can barbecue or hook up a fire table without the hassle of propane tanks. SaskPower is also available to help create the SmartHome of your dreams.


Abundance of Trees

MATURE TREES OFFER YOU THE BEST NATURAL PRIVACY

The rolling topography, along with mature trees, and plentiful flora grow throughout the area to provide you with natural home privacy. Being out of the city also means no light pollution — spend your nights star-gazing at the vast Milky Way from the comfort of your hot tub.


Closer to Nature

WITNESS NATURE FROM THE COMFORT OF YOUR LIVING ROOM

Nature is at your doorstep, literally. Through your front window, you will be able to enjoy a variety of birds and wildlife that wanders through the lots from time to time like rabbits deer fox or even the odd moose.


High-Speed Internet

RELIABLE & CONSISTENT CONNECTION
Planning on a home office? Ravenswood Estates provides high-speed fiber optics internet to each site, where you will receive the same (or better) speeds as those available in the city.


Paved Roadways

DESIGNED FOR MAXIMUM PEACE
Let your children play outside without the worry of a busy street! Our fully paved road design offers desirable lot configurations and reduces neighbourhood traffic volume. 


View Available Lots here! And get in touch with Clark for your dream home!


Read what clients have to say about Clark Dziadyk on his Saskatoon real estate listing here

Clark Dziadyk is a Trusted Saskatoon Realtor contact him today for all your Saskatoon Real Estate needs.


Trusted Saskatoon Jewellers at Batemans Discuss Recycling Gold Jewellery

Bateman Jewellers are Trusted Saskatoon jewellery experts! Did you know that they are the oldest independent jewellery store in Saskatoon?  Bateman Jewellers maintain that the relationship with their clients is very important to them. In their latest Saskatoon jewellery tip, they discuss recycling gold jewellery.


IS RECYCLED GOLD THE FUTURE OF JEWELLERY?


Gold Recycling

It is estimated that for every 1 million cell phones that are recycled, over 34 kg of gold can be recovered!  


Alternatives to mining, such as recycled gold from e-waste, exist today and we are now able to craft beautiful jewellery while limiting our negative impact on the environment. 

The future is here!


What does recycled gold mean?

Gold is a highly valued and much loved precious metal that is perfect for recycling. Indeed, gold does not decline in quality when recycled.

Gold can be found and recycled in many surprising places and due to this being largely unknown, much of it, unfortunately, goes to landfill.

Currently, around 90% of recycled gold comes from jewellery and the remaining 10% comes from other sources


What is the impact of gold mining?

“There is no such thing as clean gold, unless it’s recycled or vintage.” - Alan Septoff, Communications Manager for the No Dirty Gold Campaign

1. Human Rights

A recently published article from Human Rights Watch highlights some of the key human rights abuses that can take place in the gold mining industry. For instance, in Venezuela, a high number of reserves of precious metals, including gold, is controlled by armed rebels. Those syndicates “exert strict control over the populations who live and work there, impose abusive working conditions, and viciously treat those accused of theft and other offences.”


2. Waste

One single gold ring can potentially create a staggering 20 tons of mining waste! This waste contains toxic chemicals which can contaminate the nearby water supply and soil. In some cases, local residents are exposed to chemicals such as mercury, which creates serious long-term illnesses. Mercury is a cheap product used to reveal the gold from the rock. Unfortunately, it causes devastating long-term impacts on the people and the planet.


3. Use of Water

Large-scale projects can use an average of 60,000 - 100,000 cubic meters of water every day. It would provide the basic water needs for a population equal to that of a large U.S. city for a year!


4. Acid Mine Drainage

One major issue with Underground Mining is called Fool’s Gold, or Iron Sulphides. It occurs when the rock reacts with oxygen to make what is then called Sulfuric AcidThis acidic process drains from the mine site and can be up to 300 times more concentrated than acid rain! Once this process begins, it is very complicated to stop the spread of contamination in the water. 


5. Air Pollution

The electricity produced by burning coal and other fossil fuels in the mining process generates air pollution, smog, and greenhouse gases. As gold mines are typically large-scale operations requiring a sufficient amount of heavy machinery and earth-moving vehicles, airborne pollution is a significant environmental issue. 


6. Wildlife

Gold mining destroys local wildlife, habitats and important ecosystems, mostly because of the pollution produced and the vast amount of land each mine required. For instance, the largest mine in the world, the Grasberg Mine, located in Indonesia, operates on 27,400 acres of land and has been a source of ongoing friction and conflict due to its negative environmental impact on the surrounding ecosystems.  

Recycle Your Gold with Batemans - gold-recycling

Looking to recycle your old gold? Or perhaps you just have a bunch of rings and chains lying around you never wear anymore. Did you know that you can use your old gold as money at Bateman Jewellers? Bring in your items for evaluation and we will happily offer you a trade-in value towards anything in the store.  Not looking for anything to buy? That's okay too because if there isn't an item you would like, we will also provide you with a cash-out option as well.

Please bring your items to our downtown Saskatoon location. Please note that depending on the quantity of items, you may have to leave them for evaluation as this process can take some time, especially if there are gems set into the gold. All cash-out items require government picture identification and payment is by cheque within 3-5 business days.



Bateman Jewellers continues to have a strong reputation in Saskatoon, and this is due to their loyal customers who appreciate the friendly, family-orientated store that they have come to expect! As a team, Cam and Jan are committed to ensuring that Bateman Jewellers remains the same for many generations to come.

'Your Jewellery Is A Lifetime Investment... Buy It From A LifeTime Friend'

Bateman Jewellers is a Trusted Saskatoon Jewellery Store

Categories

Previous Posts

ADDRESS

S & E Trusted Online Directories Inc
TrustedSaskatoon.com
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

GET THE APP

App Store Google Play
Follow us on Facebook Instagram Linked In Twitter YouTube RSS Feed
Abex
Abex
Stevies
Sabex
NEYA
Website hosting by Insight Hosting