Benefits Redesigned

Benefits Redesigned Employee Benefits Broker, working with you to ensure the best health benefits are put in place.

๐——๐—ผ ๐—ฌ๐—ผ๐˜‚ ๐—ž๐—ป๐—ผ๐˜„ ๐—ช๐—ต๐—ฎ๐˜ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—˜๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฒ๐˜€ ๐—ง๐—ต๐—ถ๐—ป๐—ธ ๐—”๐—ฏ๐—ผ๐˜‚๐˜ ๐—ง๐—ต๐—ฒ๐—ถ๐—ฟ ๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€?Employers often review claims, premiums and renewal increases...
09/02/2026

๐——๐—ผ ๐—ฌ๐—ผ๐˜‚ ๐—ž๐—ป๐—ผ๐˜„ ๐—ช๐—ต๐—ฎ๐˜ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—˜๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฒ๐˜€ ๐—ง๐—ต๐—ถ๐—ป๐—ธ ๐—”๐—ฏ๐—ผ๐˜‚๐˜ ๐—ง๐—ต๐—ฒ๐—ถ๐—ฟ ๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€?

Employers often review claims, premiums and renewal increasesโ€”but numbers donโ€™t tell the entire story.

Your employees can provide another valuable perspective.

A short, confidential benefits survey can help uncover:

โœ”๏ธ Which benefits employees value most
โœ”๏ธ Which parts of the plan they donโ€™t understand
โœ”๏ธ Where they see gaps in coverage
โœ”๏ธ Which services they rarely use
โœ”๏ธ What additional support would be meaningful
โœ”๏ธ Whether they feel the plan meets their needs

This doesnโ€™t mean every request canโ€”or shouldโ€”be added. It gives employers useful information to consider alongside costs, claims and long-term plan sustainability.

Asking for feedback also shows employees that their opinions matter.

Before changing your benefits program, ask the people who use it.

Benefits Redesigned can help employers create a simple employee survey and use the results to guide future plan decisions.

๐—” ๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—ฃ๐—น๐—ฎ๐—ป ๐—›๐—ฎ๐˜€ ๐—Ÿ๐—ถ๐˜๐˜๐—น๐—ฒ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ ๐—œ๐—ณ ๐—˜๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฒ๐˜€ ๐——๐—ผ๐—ปโ€™๐˜ ๐—จ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€๐˜๐—ฎ๐—ป๐—ฑ ๐—œ๐˜Employers make a significant financial investment in em...
09/01/2026

๐—” ๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—ฃ๐—น๐—ฎ๐—ป ๐—›๐—ฎ๐˜€ ๐—Ÿ๐—ถ๐˜๐˜๐—น๐—ฒ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ ๐—œ๐—ณ ๐—˜๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฒ๐˜€ ๐——๐—ผ๐—ปโ€™๐˜ ๐—จ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€๐˜๐—ฎ๐—ป๐—ฑ ๐—œ๐˜

Employers make a significant financial investment in employee benefitsโ€”but many employees only think about their plan when they need to fill a prescription or visit the dentist.

They may not realize they also have access to services such as:

๐Ÿง  Mental-health support
๐Ÿฉบ Virtual healthcare
๐Ÿ’ฌ An Employee and Family Assistance Program
๐ŸŒŽ Emergency travel medical coverage
๐Ÿ›ก๏ธ Disability and life insurance
๐Ÿ’ฐ Health or Wellness Spending Accounts

Coverage varies by plan, but the challenge is often the same: valuable benefits can go unused because employees donโ€™t know they exist or understand how to access them.

A short benefits presentation, employee guide or annual refresher can help turn an insurance policy into something employees recognize and appreciate.

You are already investing in the plan. Letโ€™s make sure your employees understand its full value.

When was the last time your team received a benefits refresher?

๐—ฆ๐—ผ๐—บ๐—ฒ๐˜๐—ถ๐—บ๐—ฒ๐˜€, ๐—ฌ๐—ผ๐˜‚ ๐—๐˜‚๐˜€๐˜ ๐—ก๐—ฒ๐—ฒ๐—ฑ ๐˜๐—ผ ๐—Ÿ๐—ผ๐—ผ๐—ธ ๐—จ๐—ฝ ๐ŸŒ•Did anyone else stop to admire the full moon this past weekend?I took this picture ...
08/31/2026

๐—ฆ๐—ผ๐—บ๐—ฒ๐˜๐—ถ๐—บ๐—ฒ๐˜€, ๐—ฌ๐—ผ๐˜‚ ๐—๐˜‚๐˜€๐˜ ๐—ก๐—ฒ๐—ฒ๐—ฑ ๐˜๐—ผ ๐—Ÿ๐—ผ๐—ผ๐—ธ ๐—จ๐—ฝ ๐ŸŒ•

Did anyone else stop to admire the full moon this past weekend?

I took this picture and was reminded how easy it is to become focused on the tasks immediately in front of us. Sometimes, we need to pause, look up and see the bigger picture.

The same is true in business.

As we move into September and prepare for a busy fall, this is a good opportunity to step back and ask:

Are we focused only on what our employee benefits plan costsโ€”or are we also looking at the value it provides?

A well-designed benefits program can help employees feel supported, protect families when life takes an unexpected turn and strengthen your ability to attract and retain good people.

Sometimes, a fresh perspective is all it takes to see new possibilities.

What are you looking at differently as we move into the fall? ๐Ÿ’™๐Ÿ’š

Before Fall Gets Busy, Give Your Benefits Plan a CheckupThe final week of August often provides a valuable opportunity t...
08/29/2026

Before Fall Gets Busy, Give Your Benefits Plan a Checkup

The final week of August often provides a valuable opportunity to regroup before fall schedules, client meetings and year-end planning begin.

It is also a good time for employers to review their benefits program.

Ask yourself:

โœ… Are all eligible employees enrolled?
โœ… Have salary changes been reported for income-based benefits?
โœ… Are dependent and student records current?
โœ… Do employees understand their plan?
โœ… Are claims and premiums tracking as expected?
โœ… Are unused support services being communicated?
โœ… Are there opportunities to improve coverage without losing control of costs?

Small administrative details can have a significant impactโ€”particularly when an employee needs to make a claim.

A proactive review can uncover gaps, reduce surprises at renewal and help employees receive the full value of the program you are already funding.

Fall will be here before we know it. Letโ€™s make sure your benefits plan is ready too. ๐Ÿ’™๐Ÿ’š

๐—œ๐˜€ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ฆ๐˜๐˜‚๐—ฑ๐—ฒ๐—ป๐˜โ€™๐˜€ ๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—–๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฒ๐—ฎ๐—ฑ๐˜† ๐—ณ๐—ผ๐—ฟ ๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ?As families prepare for college and university, there is one mor...
08/27/2026

๐—œ๐˜€ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ฆ๐˜๐˜‚๐—ฑ๐—ฒ๐—ป๐˜โ€™๐˜€ ๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—–๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฒ๐—ฎ๐—ฑ๐˜† ๐—ณ๐—ผ๐—ฟ ๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ?

As families prepare for college and university, there is one more item worth adding to the back-to-school checklist: confirming dependent benefits coverage.

Many group plans cover dependent children until approximately age 21, with coverage potentially continuing to age 25 when the child attends an eligible school full-time. However, definitions and age limits can vary by plan.

Before classes begin, employees should confirm:

๐ŸŽ“ Whether proof of full-time enrolment is required
๐Ÿ“… The planโ€™s dependent age limit
๐Ÿฆท Whether health and dental coverage will continue
๐ŸŒŽ How coverage works if the student studies outside their home provinceโ€”or outside Canada
๐Ÿ’Š Whether prescriptions can be filled before leaving
โœˆ๏ธ Whether additional travel medical coverage is needed

Employers can help by sending a short reminder to employees now, before an unexpected claim reveals that information was missing.

A five-minute coverage check today could prevent considerable stress later.

Always confirm eligibility and travel provisions with your insurer or benefits advisor, as every contract is different.

**๐—˜๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฒ ๐—ช๐—ฒ๐—น๐—น๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐—œ๐˜€ ๐—ฆ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐—˜๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฟ๐˜€ ๐—ฎ ๐— ๐—ฒ๐˜€๐˜€๐—ฎ๐—ด๐—ฒ**A recent RBC Insurance poll found that only 56% of Canadian employe...
08/26/2026

**๐—˜๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฒ ๐—ช๐—ฒ๐—น๐—น๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐—œ๐˜€ ๐—ฆ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐—˜๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฟ๐˜€ ๐—ฎ ๐— ๐—ฒ๐˜€๐˜€๐—ฎ๐—ด๐—ฒ**

A recent RBC Insurance poll found that only 56% of Canadian employees described their overall wellbeing as good or excellentโ€”down from 65% in 2025.

The decline was even greater among employees aged 18 to 34.

Financial pressure doesnโ€™t remain at home when employees begin their workday. It can affect mental health, physical wellbeing, focus and productivity.

This is where a well-communicated benefits program can make a meaningful difference.

Employees may already have access to valuable support through:

๐Ÿง  Employee and Family Assistance Programs
๐Ÿ’ฌ Mental-health practitioners
๐Ÿฉบ Virtual healthcare
๐Ÿ’ฐ Financial education or group retirement savings
๐ŸŒฟ Health and Wellness Spending Accounts

Having these resources is only the first step. Employees must also understand what is available, how to access it and where to ask questions.

A benefits plan creates more value when employees feel confident using it.

When was the last time your team received a benefits refresher?

๐—” ๐—ฆ๐˜๐—ฟ๐—ผ๐—ป๐—ด ๐—ช๐—ผ๐—ฟ๐—ธ๐—ณ๐—ผ๐—ฟ๐—ฐ๐—ฒ ๐—ฆ๐˜๐—ฎ๐—ฟ๐˜๐˜€ ๐˜„๐—ถ๐˜๐—ต ๐˜๐—ต๐—ฒ ๐—ฅ๐—ถ๐—ด๐—ต๐˜ ๐—ฆ๐˜‚๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜Canada continues to face workforce challenges across important industrie...
08/25/2026

๐—” ๐—ฆ๐˜๐—ฟ๐—ผ๐—ป๐—ด ๐—ช๐—ผ๐—ฟ๐—ธ๐—ณ๐—ผ๐—ฟ๐—ฐ๐—ฒ ๐—ฆ๐˜๐—ฎ๐—ฟ๐˜๐˜€ ๐˜„๐—ถ๐˜๐—ต ๐˜๐—ต๐—ฒ ๐—ฅ๐—ถ๐—ด๐—ต๐˜ ๐—ฆ๐˜‚๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜

Canada continues to face workforce challenges across important industries, including transportation, manufacturing and skilled trades.

This week, the federal government announced a new Transportation and Supply Chain Workforce Alliance focused on addressing labour shortages, skills development and employee attraction.

While training helps bring people into an industry, employers must also consider what encourages good employees to stay.

A thoughtfully designed benefits program can demonstrate that your organization values:

๐Ÿ’™ Employee and family health
๐Ÿง  Mental-health support
๐Ÿ’ฐ Financial wellbeing
๐Ÿฉบ Access to healthcare
๐ŸŒฑ Long-term stability

The most expensive benefits plan isnโ€™t necessarily the most effective. The right plan reflects the people you employ, the positions you need to fill and the budget your business must protect.

When employees feel supported, benefits become more than an expenseโ€”they become part of your attraction and retention strategy.

๐—•๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—ฏ๐˜‚๐—ถ๐—น๐˜ ๐—ฎ๐—ฟ๐—ผ๐˜‚๐—ป๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€.

https://www.canada.ca/en/employment-social-development/news/2026/08/minister-hajdu-launches-the-transportation-and-supply-chain-workforce-alliance0.html?utm_source=chatgpt.com

Happy Monday! ๐Ÿ˜ŠI thought Iโ€™d start the week by sharing a few pictures that made me laugh during our Saturday visit to Sk...
08/24/2026

Happy Monday! ๐Ÿ˜Š

I thought Iโ€™d start the week by sharing a few pictures that made me laugh during our Saturday visit to Skye Chase Estate Winery.

The entire experience was fabulousโ€”the beautiful venue, delicious food and, of course, the wine. ๐Ÿท

Before we left, one final bathroom visit was in orderโ€ฆand thatโ€™s where the dรฉcor completely made my day! ๐Ÿ˜‚๐Ÿด๐Ÿท๐Ÿ‘

Kudos to the decoratorโ€”creative, unexpected and very well done. Sometimes itโ€™s the funniest little details that make an already wonderful day even more memorable.

Hereโ€™s to starting the week with a smile! Which one is your favourite?

Friday question for business owners:If you could improve just ONE thing about your employee benefits plan, what would it...
08/21/2026

Friday question for business owners:

If you could improve just ONE thing about your employee benefits plan, what would it be?

A. Lower or more predictable costs
B. More flexibility for employees
C. Easier administration
D. Better communication and understanding
E. Actually having a plan to offer!

Thereโ€™s no universal โ€œbestโ€ benefits plan. The right solution depends on your business, your budget and the people you want to support.

Share your answer belowโ€”or message me privately if youโ€™d like to explore what could work better.

When was the last time you reviewed your employee benefits planโ€”not just renewed it?As your business and team change, th...
08/20/2026

When was the last time you reviewed your employee benefits planโ€”not just renewed it?

As your business and team change, the plan that once worked well may no longer provide the best value.

A thoughtful review can help you understand:

โœ… What your employees are actually using
โœ… Where your benefits dollars are going
โœ… Whether another plan structure could offer greater flexibility
โœ… How to manage costs without losing meaningful coverage

Your benefits plan shouldnโ€™t simply be โ€œgood enough.โ€ It should make sense for your people and your business.

Not sure if yours still does? Letโ€™s have a conversation.

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Guelph, ON

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 1pm

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