Practical articles for British Columbia employers and the people who sign off on their benefits budget. Written by a licensed advisor, cited to primary sources, and reviewed on a fixed schedule under our editorial policy.
How group life, disability and critical illness insurance fit together, what each one pays for, how they are taxed, and how BC employers should size and fund them.
Read the article →Short-term vs long-term disability explained for BC employers: how STD and LTD differ, how they work with EI, CPP and WorkSafeBC, tax treatment, and which you need.
Read the article →A BC employer's guide to reading a group benefits renewal: how insurers calculate the increase, which components are negotiable, and what to ask for.
Read the article →How health spending accounts and traditional group plans differ on cost, coverage and tax treatment — and which structure fits a BC employer's situation.
Read the article →How fully insured and administrative services only (ASO) funding differ on risk, cash flow and reporting — and the group size at which ASO starts to make sense.
Read the article →We do not publish on a content calendar. Articles are commissioned when a question comes up often enough in client conversations to be worth answering properly. Our editorial policy sets out how research, sourcing, review and updating work.
Definitions of the technical terms used across these articles live in the group benefits glossary.