Recently, we've been seeing a trend towards employees wanting to decline Long Term Disability (LTD) coverage when the plan is an employee-paid design. Current economic conditions, and rising insurance costs are the main factors. Often, however, employees don't see the value in disability insurance.

We have always maintained that LTD is the most important benefit in an employee benefit plan. In case an employee can no longer work due to illness or injury, an eligible LTD claim pays a portion of an employee's insured salary as long as they are unable to work.

Doug Ford, Ontario's new premier, has many arrows in his quiver for minding the tax pay dollar - one of which is controlling compensation practices in the public sector. In the private sector, think tanks and shareholder activist groups have been focused on a similar mandate for some time now. The collective focus of these efforts has been on understanding and justifying pay practices for senior roles within institutional settings.

Please join us for the 14th Annual Nelson Johnson Memorial Golf Invitational - Thursday, August 16th, 2018.  Come on out for a fabulous day of golf at Whitevale Golf Club, a private course in the town of Whitevale near Pickering. This tournament benefits Broad Reach Foundation and the ASSOCIUM Community Chest. Our Prix Fixe covers your round of golf, casual lunch, sit-down dinner, all contests and raffle draws. The 50/50 cash draw is the only separate fundraising we'll do at the golf tournament.