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  • How pharmacy services are catching on with private payers | Small Biz Advisor
    Canadian Pharmacists Association agrees integrating pharmacy services into benefits plans is taking a long time With drug costs and economic pressures there is little wiggle room for insurers and sponsors as they focus on meeting the drug needs of employees We need data to show how we can help through medication reviews minor ailment prescribing and promoting adherence Although we believe the data is already out there to show that pharmacists can make a positive difference we all need to work together to make it happen One group trying to make a difference is the Pharmacy and Health Insurance Steering Coalition a group comprised of senior leaders from the insurance and pharmacy industries Over the past two years the coalition has developed a strategy to help payers view pharmacy services as a solution rather than a cost centre We understand that payers have to focus on value and return on investment says Peter Zawadzki a pharmacy consultant representing the Neighbourhood Pharmacy Association of Canada on the coalition We need to show how health outcomes link back to workplace absenteeism presenteeism disability and productivity The coalition has been honing a list of potential pharmacy services that will be shared with pharmacy retailers provincial associations insurers benefits consultants and plan sponsors We re also working on a reasonable and customary suggested fee list Some insurers making moves While concerns may persist among private payers some insurers are already confident enough to offer select pharmacy services under group plans At Sun Life for example the company integrates pharmacy services in different ways says Lavoie The services are recognized by CRA so are eligible for health spending accounts They could also be included under a paramedical plan at the request of an employer And sometimes pharmacy services are incorporated as a core benefit Lavoie says insurers are starting to have relationships with pharmacies Sun Life for example has a preferred provider partnership with McKesson Canada that includes more than 2 500 pharmacies across the country For now we are focused on dispensing and case management of high cost specialty medications but the natural next step is to expand and pay for services for a particular disease such as diabetes This is a trend that will continue When a recent joint study by the Ontario Pharmacists Association and Green Shield Canada showed significant reductions in blood pressure as a result of pharmacist counselling on hypertension the insurer launched an employer paid cardiovascular coaching program as part of its standard administration plan Out of about 1 000 companies only a handful chose to opt out When we look at data showing the rise of chronic disease we believe there is value in paying a relatively small sum for pharmacist coaching compared to the high long term costs for disease says David Willows vice president of strategic market solutions at Green Shield Canada There is potential return on investment from our cardiovascular program but we are still in the early days of evaluating it Green Shield Canada

    Original URL path: http://www.smallbizadvisor.ca/group-benefits/how-pharmacy-services-are-catching-on-with-private-payers-4245 (2016-04-26)
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  • How to use Twitter to stay informed | Small Biz Advisor
    First things first set up a free Twitter account if you don t already have one If your firm doesn t permit it set up a personal account with no mention of your professional identity you re going to be using it for staying informed not branding yourself Now let s go find some news 2 Follow relevant information sources Following media feeds is as easy as clicking the Follow button on their website Start by following relevant financial and trade media outlets including advisor ca of course Follow Canadian and U S business media as well as columnists commentators and writers bloggers whose analysis you respect 3 Make Twitter part of your daily routine Remember when you used to arrive at your office early pour a cup of coffee and review three morning newspapers Those days are gone or numbered Now your Twitter feed can play a similar role in preparing you for the day If you are sitting at your desk Twitter com is a great way to see key news stories coming from your preferred news outlets You can also download the Twitter app to your smartphone so you can review news before you leave the house while you re commuting and even between meetings Find the times and modes that work best 4 Tame the firehose with public and private Twitter lists The Twitter list function is under appreciated but useful Lists allow you to create a smaller subset of accounts you are following on Twitter so you can pay attention to just them For instance you may want to pay attention to a key group of analysts or observers or even a group of competitors If you create a public list anyone you add to the list will get a notification in Twitter and the

    Original URL path: http://www.smallbizadvisor.ca/your-business/how-to-use-twitter-to-stay-informed-4300 (2016-04-26)
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  • Too many distractions? Try these tech solutions | Small Biz Advisor
    for an allotted period of time They re great tools for people who can t help checking Twitter or Facebook because no matter how many times you restart your browser or reboot the entire computer those sites won t be accessible until the set time limit has elapsed SelfControl is free while Freedom pricing starts at 2 42 U S a month Freedom boasts more than 100 000 users ranging from writers and software developers to researchers and executives For those who don t want to entirely block contact with the outside world but who could use help concentrating there are several apps that incorporate the Pomodoro Technique a time management method developed in the 1990s by productivity consultant Francesco Cirillo The technique encourages users to work for 25 minutes then take five minute breaks in between Focus for Macs and FocusBooster for both Mac and PC encourage users toward those goals by letting them see how much time they have left before the next break Focus helps out by displaying inspirational quotes while FocusBooster double as a productivity tracker by aggregating usage data into handy graphs and pie charts Single user Focus licenses are available for a one time fee of 19 U S with discounts for multiple users Brad Jasper the app s creator says the app is currently geared toward individual users but he is also working on new team oriented features to be released soon FocusBooster is free with paid versions that include data tracking features starting at 3 U S a month Creator Alice Coleman is also working on a team view function that will display results for multiple employees The Pomodoro Technique and FocusBooster are very effective for individuals and their increased productivity will have an overall benefit on a company she says On

    Original URL path: http://www.smallbizadvisor.ca/your-business/too-many-distractions-try-these-tech-solutions-4295 (2016-04-26)
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  • 3 ways to keep your communication positive | Small Biz Advisor
    shifted My first instinct was to vent my anger with a few of the choice words that come to mind when you re upset But I was advised by a trusted colleague to walk away from the project rather than to continue in anger As much I wanted to bring closure by telling off the person I recalled the adage about catching more flies with honey than with vinegar The incident got me thinking that we can all benefit a bit more from being positive and constructive in our business communication Here are three tips to make your business communication more positive and get better results 1 Be thoughtful We all make choices throughout our day one of the most important of which is the words we use Thoughtful word choice can make the difference between a negative response that upsets its recipient and a positive one that has the opposite effect So choose your words thoughtfully and carefully or they may come back to bite you 2 Be cool When you re on the receiving end of a negative response angry voice mails negative emails and so on think before you respond Take time to prepare what you want to say Being rational and calm may just help the other person to take it down a notch A more reasonable positive communication can move the situation forward in a way that benefits both parties 3 Be kind In today s multi tasking always wired world people are often too focused on trying to get everything done and don t think to take the extra moment necessary to be kind But the fundamental human response to being treated with kindness is to respond positively it s a two way street Put yourself in the receiver s shoes when you are

    Original URL path: http://www.smallbizadvisor.ca/your-business/3-ways-to-keep-your-communication-positive-4294 (2016-04-26)
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  • Partner Education | Small Biz Advisor
    free of Financial Inertia BY Standard Life November 11 2013 Discover new tools designed to help your clients big or small overcome their financial inertia and get them moving Timing matters September 19 2013 It s no secret that small business owners are busy people So how do you spot Key questions and answers to prospects BY Standard Life April 8 2013 Asking the right questions upfront or giving a convincing answer will help you guide Specialize in small March 25 2013 In 2012 there were 1 2 million small businesses in Canada with more than one Six issues on the minds of your small business clients BY Manulife April 3 2012 Are Canadian small business owners more concerned with increasing revenue or gaining access to capital Simple and effective Plan for life the new face of retirement planning BY Standard Life November 8 2011 Sponsored by In September The Standard Life Assurance Company of Canada launched a revamped Plan for OK PAL TELL ME SOMETHING I DON T ALREADY KNOW BY Group Guy October 12 2011 Your value proposition and what it s worth A S A P BY Group Guy October 12 2011 Years ago when I was

    Original URL path: http://www.smallbizadvisor.ca/partner-education (2016-04-26)
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  • Advisor for business | Small Biz Advisor
    profit of 1 million or more Learn from the best Mentees and mentors benefit from successful relationships BY Advisor For Business powered by Standard Life April 1 2014 We ve all heard a variation of the George Bernard Shaw quote He who can does FIVE best practices for building a platform Help your clients choose and manage their ideal investment lineup BY Advisor For Business powered by Standard Life March 5 2014 You ve joined forces with a company to develop and support a group retirement plan You ve Age matters A demographic perspective on employee education BY Advisor For Business powered by Standard Life February 3 2014 When David Foot first began studying conversations around investing for retirement only one discussion regardless Healthy workforce healthy company Wellness programs show ROI BY Advisor For Business powered by Standard Life December 31 2013 There can be a significant return on investment ROI when clients invest in workplace health Reaching for the Top BY Advisor For Business powered by Standard Life November 21 2013 Women represent 62 3 of the Canadian finance and insurance industry workforce but just 23 1 of Tips from the SME trenches Fall 2013 BY Advisor for Business

    Original URL path: http://www.smallbizadvisor.ca/advisor-for-business (2016-04-26)
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  • Three in five Canadians say stress harms their health | Small Biz Advisor
    them stress according to survey conducted by Leger A staggering six in ten 59 say their health is negatively impacted by stress experienced at work and two thirds 63 feel the stress they experience at work negatively impacts other areas of their life We spend about 50 of our waking hours during the workweek at our jobs Managing deadlines and duties both at work and home can be a fine balancing act and CHFA wants to help Canadians make workplace wellness a priority says CHFA president Helen Long Highlights from the survey include Ontarians reported the highest levels of workplace stress in the country with 72 in agreement that work causes them stress British Columbia residents reported the lowest levels of workplace stress with 56 of those surveyed in agreement Respondents from Manitoba and Saskatchewan were 10 more likely than the rest of Canadians to agree that their health is sometimes negatively impacted by the stress they experience at work Residents of Atlantic Canada were the least likely to agree with this coming in at 49 Sixty nine per cent of younger employed Canadians are more likely to say work stress negatively impacts other areas of their life This trend

    Original URL path: http://www.smallbizadvisor.ca/news/three-in-five-canadians-say-stress-harms-their-health-4297 (2016-04-26)
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  • Canadian execs more ethical than most: survey | Small Biz Advisor
    Validate Text Size O nly four percent of Canadian finance executives could justify unethical behaviour in an economic downturn significantly fewer than 36 of global respondents in EY s 2016 Fraud Survey With Canada s economy still struggling to rebound from slumping oil prices and a weakened dollar that s good news According to EY s survey Canadian executives are also less willing to act unethically to meet the pressures of financial targets This includes offering entertainment personal gifts or services cash payments or misstating performance Nearly three quarters don t believe any actions are justified to meet financial targets versus just over half the respondents globally When it comes to different unethical actions executives could justify Canadians clearly didn t support extending monthly reporting periods backdating contracts or booking revenues prematurely However they were slightly more open to changing assumptions to determine valuations or reserves and more flexible product return policies Nearly all Canadian respondents 92 believe that prosecuting individual executives would help deter fraud bribery and corruption something that doesn t happen enough according to the survey One third of Canadian respondents believe their government is willing to prosecute cases of bribery and corruption but does not seem

    Original URL path: http://www.smallbizadvisor.ca/news/canadian-execs-more-ethical-than-most-survey-4296 (2016-04-26)
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