What are they and what does it mean to your benefits plan

Employee benefit plans are all designed with internal limitations and maximums which are intended to maintain affordability and to prevent abuse. Most of these limitations and maximums are up front and stated in the employee booklet, as well as the contracts.

What aren't always so clear and up front are the maximum amounts insurers will pay for individual products or services on a per claim basis.

These maximums are known as Usual & Customary (U&Cs) or Reasonable & Customary (R&Cs).
Grow your Organization with Email Marketing

Email marketing is a smart, affordable way for you to stay connected with your contacts so you can grow your organization.

It really is the only digital channel where you own the relationship with your contacts. With email, unlike social media, you are guaranteed to get your message directly in front of your audience-in their inbox.

Think about the proliferation of mobile phones - everyone has their inbox with them and they're checking it many times a day.

Precarious Employmentthree
Is it good or bad?
The dialogue around precarious employment seems to be gaining momentum across the business landscape because of its connectivity to so many existing (Employment Insurance) and proposed (Ontario Basic Income Pilot Programs) policy frameworks. A general theme in the policy dialogue is that precarious employees didn't start out wanting to wear that hat but were "causalities" of labour market circumstances. However, there are some that actually choose this route and there are others that benefit from their precarious employment setup.

Melissa Rivers, an ASSOCIUM Consultant team member, offers an interesting twist on the precarious employment dialogue.  
pillarsPillars of the Community

Is your company looking for an authentic, hands on volunteer opportunity? Experience the impact your team can make in the lives of Toronto's Street Youth. Corporate volunteering is an effective, low cost way to boost employee moral while generating invaluable goodwill. Spend your morning or afternoon assisting in prepping and serving a meal for up to 100 youth in Toronto's downtown core. From multi-national corporations to small businesses, we have meaningful ways for you and your staff to engage in a corporate volunteer opportunity that is truly transformational for you and our community members. For more info please contact Racine Senining or visit  www.ysm.ca. Spots are limited, book today! 
If you would like to be recognized in this section of our newsletter or website, please forward a short article to admin@associum.com. Your content can include an introduction to your organization to help generate awareness; it can give a history; highlight your mandate; or even give details of an event. It's your space. We would love to help promote your organization and its initiatives!
pharmacyAsk the Pharmacist: Pain Medications 
Opioids and Pain Management

Pain is a distressing sensation that many of us experience on a daily basis as a result of incidents such as cuts, burns, accidents, and countless other reasons. Pain can range from acute to chronic and severe. How we deal with pain has changed over the past couple of decades. There has been a large increase in the prescribing and use of opioid medications for acute and long term chronic pain (lasting more than 3 months). Retail pharmacies across Canada dispensed 19 million prescriptions for opioids in 2016 and overdoses and deaths have seen a sharp increase. In 2015, 734 people died as a result of opioid use, a four fold increase since 1991.  It is therefore important to be aware of the important side effects and risk of opioids and safer ways to manage pain.

Learn more about opioids and pain management ->
golfASSOCIUM Golf Tournament
Think about a foursome of your favourite colleagues and join us for golf on Thursday August 17

Come on out for a fabulous day of golf at Whitevale Golf Club, a private course in the town of Whitevale near Pickering. This will be our 13th year for the event, which is held in honour of Nelson Johnson, an avid golfer before he passed away far too prematurely. 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 multiple grand prize draws including a week for two on a luxury sailing yacht in the British Virgin Islands! Book by June 30th for early bird pricing.

Golf Tournament and Sponsorship Opportunities ->
eventsUpcoming Events
ASSOCIUM has a Calendar of Events, and we offer exclusive use to our ASSOCIUM GAIN members!

We welcome and encourage you to send us your event information so that we can post it for you - complimentary for ASSOCIUM GAIN members. Let us help you get the word out to the public about the initiatives you'd like them to know about! We can add a link to your website for more information about your event and your organization. This is ideal for upcoming galas, festivals, performances - any event you want to invite the public to.
ASSOCIUM Divisionsdivisions
Since 1984, ASSOCIUM Consultants continues to lead the industry in specialized human resource services, organizational development and provides HR expertise
across a broad range of services.
We're unique in the marketplace providing innovative and customized Advisor services: Managing General Agent , Third Party Administrator, Claims Adjudication, Specialty Drug Management / Preferred Pharmacy Network and Human Resources Consulting.

ASSOCIUM Benefits 

Our employee group benefits division, being in business since 1997, gives us the experience to provide customized alternative plans and reduce administrative costs for our clients, while quoting sustainable rates at start up - and at renewal.  

Our procurement services division launched in 1996 as an added source of assistance to the not-for-profit sector ( GAIN). Recently this service has been expanded to include private small business under the Advantage banner. Our goal is to help your organization access preferred pricing for products and services as well as resolve any purchasing issues you may encounter.
Supporting the success of Canadian organizations since 1984.