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  • It’s about cost, not about price. | JONES DesLauriers Blevins
    of some chronic conditions and health risk factors found that lost productivity from presenteeism was 7 5 times greater than productivity loss from absenteeism A healthier and productive workforce is less prone to claims leading to greater engagement and higher profitability Employees who are thriving in their overall wellbeing have 41 lower health related costs and 62 lower overall costs Insurance brokers sell based on premium which is a simple formula that equates to your loss costs plus expense costs A JONES DesLauriers Blevins consultant goes beyond insurance and helps create cost containment solutions and proactive activities that lead to long term improved profits productivity and competitiveness of your organization We have sophisticated analytics to determine your premium costs as well as your yearly trend costs Unlike many other brokers who present the quotes from the insurance companies we calculate suggested costs and negotiate your rates with the insurance carriers Insurance placement is only ¼ of the value a consultant should bring you At JONES DesLauriers Blevins our goal is to redefine your view of price for insurance We believe the focus should be on choosing the consultant first based on what Return on Human Capital ROHC they can provide What overall solutions do they have that meet your priorities and have a financial and cultural impact on your organization The results should be metric based to demonstrate how your ROHC will increase Insurance is only one way to mitigate risk we look at several ways you can minimize your total cost of risk ROHC becomes a quantifiable formula and a benchmarking tool to clients You will be able to take this presentation to the boardroom and show the impact on the overall organization You will not only be able to show how you have an excellent benefit consultant who

    Original URL path: http://www.jdbgroup.ca/its-about-cost-not-about-price/ (2016-04-26)
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  • Are You Protected From Long Term Health Costs? | JONES DesLauriers Blevins
    need for active employees than disabled employees You want to help Jennifer recover but you do not want to jeopardize the benefits package you provide your active employees And if Jennifer is not going to be returning to work is it your responsibility to cover her medical cost for the rest of her life 2 Who do you want to spend your money on Although Jennifer showed promise of becoming a key employee within your company her accident has paralysed her and she will not be returning to work Are you willing to cover her health and dental claims to age 65 What if she has a family Are you willing to cover their eligible claims as well Will the financial burden of Jennifer s claims ultimately impact your company s ability to provide a competitive program at an affordable price for active employees If you are like most business owners you are confused and not sure how to proceed The human being within you wants to continue coverage The business owner within you knows that covering health claims for disabled employee s is not a profitable business model So what do you do Under the terms and conditions of a standard group insurance contract an employer is able to continue health and dental coverage for disabled employees Thus if your company has an endless supply of cash you can continue to cover the disabled employee and their eligible dependents up to the standard termination age of the plan For the rest of us we have an important decision to make At what point do you remove health and dental coverage Benefits should be continued for a minimum of 1 year from the date of disability In Ontario The Worker s Safety Insurance Board WSIB states that an employer must

    Original URL path: http://www.jdbgroup.ca/what-have-you-done-to-protect-your-company-from-long-term-health-costs/ (2016-04-26)
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  • Best in Class Companies Engage Their Employees | JONES DesLauriers Blevins
    of engaged productive innovative employees is their work life balance Organizations that recognize that people are happier and healthier when they have balance in their lives and that actively support this put their employees in the best positions to be star performers An employee will always show appreciation knowing that their employer acknowledges that outside of work they do have lives A 2011 study by Gallup s Jim Harter concluded that the majority of American workers are not engaged in their jobs The workforce consists of 29 per cent engaged employee 55 per cent who are not engaged and 16 per cent who are actively disengaged A disengaged employee costs their employer on average 46 per cent of their salaries in lost productivity With employee disengagement such a risk to a company s bottom line and culture it is vital to determine employee engagement levels Sean Fitzpatrick President of TalentMap suggests choosing an appropriate employee survey and implementing a sustainable action plan Employee surveys are a proven method to provide measurement and achieve higher levels of employee engagement If you are unsure of what type of survey is appropriate what to look for in an employee survey or how to

    Original URL path: http://www.jdbgroup.ca/employee+engagement (2016-04-26)
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  • Retirement Savings Plans – A Changing Landscape | JONES DesLauriers Blevins
    business owners How will they benefit the employees of these businesses Although some Provinces have not yet enacted legislation for PRPP s the Federal Government has set the framework of the plan This framework gives some insight into how PRPP s will work and the benefit PRPP s will provide to Canadians What is a PRPP PRPP s are broad based low cost pension plans retirement savings plans that employers can offer to their employees PRPP s combine the incentive to save within a group retirement plan while also allowing individuals to control their investment options In doing so Canadians can tailor their retirement plan to fit their financial goals Benefits to Business Owners Besides the benefits of creating goodwill through assisting employees save for retirement PRPP s also offer other benefits to business owners With today s workplace culture changing prospective employees especially those new to the workforce are not only looking at salary and career development Instead they are weighing in on all aspects of a position including Pension and Benefit Plans Wellness Programs and flexible hours This is what todays workforce is demanding and is crucial to recruiting and retaining sought after employees PRPP s will also be a great incentive vehicle to reward key and long term employees By contributing to the employees PRPP business owners can reward these employees all while escaping payroll taxation Benefits to Employees As you may have guessed from the name PRPP s involve the pooling of assets By pooling these assets under one umbrella employees within a PRPP benefit from lower investment management fees and administrative costs This means more money remains in the employee s account as it grows For the most part the fees under a PRPP will be lower than most retail investments someone would purchase on

    Original URL path: http://www.jdbgroup.ca/retirement-savings-plans-a-changing-landscape/ (2016-04-26)
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  • Blog | JONES DesLauriers Blevins
    ORPP CPP Update Read More Support for Buddy Bench Read More ORPP Bill Passes Final Vote Read More Fact or fiction people drive your profit productivity and competitiveness Read More It s about cost not about price Read More Are You Protected From Long Term Health Costs Read More Best in Class Companies Engage Their Employees Read More Retirement Savings Plans A Changing Landscape Read More Older posts Latest Blog

    Original URL path: http://www.jdbgroup.ca/value-added-products/ (2016-04-26)
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  • Blog | JONES DesLauriers Blevins
    ORPP CPP Update Read More Support for Buddy Bench Read More ORPP Bill Passes Final Vote Read More Fact or fiction people drive your profit productivity and competitiveness Read More It s about cost not about price Read More Are You Protected From Long Term Health Costs Read More Best in Class Companies Engage Their Employees Read More Retirement Savings Plans A Changing Landscape Read More Older posts Latest Blog

    Original URL path: http://www.jdbgroup.ca/about-us/contact-us/ (2016-04-26)
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  • Laura | JONES DesLauriers Blevins
    Policy AODA Customer Service Standard Blog Author Archives Laura JONES DesLauriers Blevins partners with Maple Leaf Angels and MLA48 Read More How Are Sponsors Reacting to the ORPP Read More ORPP CPP Update Read More Support for Buddy Bench Read More Latest Blog Post JONES DesLauriers Blevins partners with Maple Leaf Angels and MLA48 JONES DesLauriers Blevins JDB is pleased to announce a new partnership with Maple Leaf Angels Corporation

    Original URL path: http://www.jdbgroup.ca/author/laura/ (2016-04-26)
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  • Corporate Tax Minimization | JONES DesLauriers Blevins
    to be used for the sale of the shares If so these buy sell provisions should be reviewed to ensure they provide the minimum tax liability possible given the tax rules of that time If the owner is party to a shareholder agreement then one way to minimize the tax on death is to have the agreement call for an optional corporate repurchase of his shares with the resulting dividend eliminated by making an election for it to be a capital dividend This will require the agreement of the other shareholders as well as the funding of the buyout with life insurance It is the life insurance that creates the capital dividend account in the corporation to allow for the tax free distribution This is a topic on which a tax specialist insurance specialist and lawyer should be consulted Generally the buyout under this agreement will be by either having the company buy the shares back from the departing shareholder or having the shares bought by another shareholder A redemption of shares may cause a deemed dividend while the sale of shares to another person may give rise to a capital gain However the capital gain on the sale to

    Original URL path: http://www.jdbgroup.ca/corporate-tax-minimization (2016-04-26)
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