Since 1984
Topics In This Issue
  • Waiving Premiums for Employees on Disability Leave
  • HumanaCare - Tips on How to Combat Pandemic Burnout
  • Human Resources: Top Questions We're Being Asked
  • Grand & Toy: Making Workplace Health and Safety a Number One Priority
  • The Co-operators Group RRSP and TFSA
  • Medline | Medical Mart Partners
Employee Group Benefits
Waiving Premiums for Employees on Disability Leave
When and why to apply for a waiver
When an employee goes on an approved Long Term Disability (LTD) leave, it is usual that the insurer no longer charge the employer a premium for the LTD coverage for the employee on leave. This is called premium waiver and should be done automatically. However, the waiver applies not only to the LTD premium but to all the insured benefits regardless of which insurer covers these benefits.
Tips on How to Combat Pandemic Burnout
Be kind, try something new and find gratitude
As the pandemic still remains present, mental health is continuing to take a hit. Anxiety and stress due to the pandemic is being fueled by uncertainty, lacking a sense of control, and having a number of important values in our lives threatened. Now more than ever, we need to work extra hard to manage our emotions.

  1. Find those uplifting and close social supports and keep them near
  2. Express kindness and compassion
  3. Create new routines and practice healthy behaviours
  4. Focus on the present and find gratitude in simple tasks
Human Resources Consulting
HR Top Questions
Outsourcing Human Resources Administration

ASSOCIUM Consultants provides human resource services to employers in all sectors. Our Specialists work in partnership with your management team to facilitate effective solutions for your organizational challenges, while building your internal capacity.

Our team has extensive knowledge in all areas and this is what we're being asked about the most right now:

Procurement and Shared Services
Making Workplace Health and Safety a Number One Priority
Smart Solutions for Hybrid Work Environments
Keeping each other safe is more important than ever before. From PPE, to acrylic dividers, to new protocols designed to stop the spread, health & safety has a whole new meaning in the workplace. At Grand & Toy, we have made the strategic shift to make sure that the right solutions are available to keep us all protected.

  • First Aid Kits
  • Personal Protective Equipment
  • Personal Care
  • Anti-Fatigue Mats & Commercial Floor Mats
  • Safety & Regulation Signs & Labels
  • Fire Protection
  • AED Defibrillators
  • COVID-19 Health & Safety Products
What does a Co-operators Group RRSP / TFSA offer?
Simple administration through payroll deduction
Together with the Co-operators, ASSOCIUM offers a simple and effective way for organizations of any size to support their employees. Encourage employees to save for their future with a Group Registered Retirement Savings Plans (RRSP) and Tax Free Savings Accounts (TFSA).

Employees enrolled in these plans have no administration fees, low management fees and a wide range of investment options under one plan.

It's easy to manage RRSP and TFSA plans online, change investments according to investment style, and be secure in the knowledge that a leading Canadian co-operative company manages your group retirement and savings plan.

To learn more about these plans email solutions@associum.com, reply to this message or fill in our form.

What is the difference between an RRSP and TFSA?

Both TFSAs and RRSPs can ease your tax burden and help your money grow. Your choice depends on factors like your reason for saving, your time horizon, and your current and future tax rates.
Medline | Medical Mart Partners
Premium products in your ASSOCIUM group purchasing account
Primary | Dental | Long Term | Acute
80,000 medical products from 800 manufacturers

Medline | Medical Mart offers ASSOCIUM GAIN members full catalogues of primary care, long term care, dental and podiatry products, all at a preferential price.

With teams and distribution centres in Alberta, British Columbia, Quebec, Nova Scotia, Newfoundland and Winnipeg as well as a head office in Mississauga Ontario, Medline | Medical Mart will provide the service you need anywhere in Canada.
ASSOCIUM Divisions
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.
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.
Since 1984, ASSOCIUM Consultants provides specialized human resource services, organizational development and expertise across a broad range of services.
Save money in all areas of your operational spend. Engage in shared services and group purchasing for your people, technology and product solutions. As a national affinity program, ASSOCIUM GAIN has huge buying power, which translates into significant discounts for our members. Membership fees are set annually according to the size of your organization and operating budget.
 Supporting the success of Canadian organizations since 1984 
416-867-9350 or 1-888-761-1164