Michael Pottruff

Michael Pottruff Stay up to date with our latest tips, insights, and updates. Join Our Newsletter Today! Financial Advisor
Desjardins Financial Security Investments Inc.

⎹ Desjardins Financial Security Independent Network ⎹
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https://contact.actualis.ca/T/WF/1209/txpYfI/Optin/en-CA/Form.ofsys?idUser=18308 https://contact.actualis.ca/T/WF/1209/txpYfI/Optin/en-CA/Form.ofsys?idUser=18308

Life & Health Insurance Advisor
Desjardins Financial Security Independent Network
Licensed for Insurance in the province of Ontario

. Mutual funds distributed through Desjardins Financial Security Investments Inc. Licensed for mutual funds in the province of Ontario.

05/28/2026

Understanding how disability coverage works under a group benefits plan can help bring more clarity to what is included and how eligibility may apply.

Because every plan is different, coverage is typically based on:
• plan eligibility
• the plan’s definition of disability
• benefit duration limits
• income replacement percentages

Disability coverage is generally designed to provide partial income support if an eligible employee is unable to work due to a covered illness or injury, as outlined in the plan.

If you have questions about how disability coverage works under your benefits plan, feel free to reach out.

05/27/2026

When Timing Can Impact Dental Coverage👇

Many dental plans operate on annual limits and benefit year resets, which means the timing of treatment may affect how benefits are applied.

Depending on the plan, this can influence:
• how annual maximums are used
• when services are processed within a benefit year
• potential out of pocket expenses

Coverage details, limits, and reimbursement structures vary by policy.

Reviewing your plan documents or speaking with a licensed advisor can help provide clarity on how your dental benefits apply within your specific coverage.

05/26/2026

Orthodontic coverage can vary widely between benefits plans.

Some plans include braces coverage, while others may not. When included, coverage often comes with specific limits, reimbursement percentages, lifetime maximums, age restrictions, or waiting periods.

Reviewing your benefits can help improve understanding of what your plan may include.

Feel free to reach out if you’d like help checking your coverage.

What Happens When You Reach Your Dental Benefits Maximum?Dental plans often include an annual coverage limit. Once that ...
05/25/2026

What Happens When You Reach Your Dental Benefits Maximum?

Dental plans often include an annual coverage limit. Once that maximum is reached, additional dental expenses may no longer be covered under the plan for the rest of the benefit year.

Understanding your coverage, limits, and potential out of pocket costs can help you plan ahead and avoid surprises.

If you’d like help reviewing your benefits coverage, contact me today.

05/22/2026

Benefits don’t always cover the full cost and those gaps can add up faster than expected.

Whether it’s prescriptions, dental work, vision care, or specialist services, understanding what your plan includes can help you prepare for potential out-of-pocket expenses.

Reviewing your coverage regularly may help you better understand where limits, co-pays, or exclusions apply.

If you’d like help reviewing your benefits, contact me to learn more.

How Benefits Are Often Chosen During EnrolmentBenefits enrolment can sometimes feel rushed or overwhelming, especially w...
05/22/2026

How Benefits Are Often Chosen During Enrolment

Benefits enrolment can sometimes feel rushed or overwhelming, especially when there are multiple options to review at once. Because of that, many people choose coverage based on familiarity, default selections, or what seems simplest in the moment.

Taking time to review your options periodically may help improve understanding of what your plan includes and how it works.

If you’d like help reviewing your workplace benefits, feel free to contact me.

05/20/2026

Why Many Benefits Decisions Default to the Simplest Option...

Benefits enrolment often happens during busy periods and within limited timeframes. Because of this, many people tend to stick with default selections rather than fully reviewing their available options.

Taking time to better understand a plan’s features, limitations, and coverage choices may help support more informed decisions over time.

If you have questions about workplace benefits or coverage options, feel free to contact me to learn more.

05/18/2026

Benefits decisions are often made once — and rarely revisited.

Many people keep the same plan simply because it already feels familiar. Reviewing your options from time to time can help you better understand what your plan includes and how it fits your current needs.

Have questions about your coverage or benefits options? Contact me today to help you better understand your plan and make more informed financial decisions.

People don’t always revisit their workplace benefits after enrolling.In many cases, once a decision is made, it tends to...
05/15/2026

People don’t always revisit their workplace benefits after enrolling.

In many cases, once a decision is made, it tends to stay in place—simply because it feels “done.”

Over time, other priorities take over and benefits often remain unchanged, even when options to review or update them may exist.

If it’s been a while since you last looked at your benefits, it may be worth taking another look.

What “Coverage” Actually MeansHaving coverage doesn’t always mean an expense is paid in full. Most group benefits plans ...
05/13/2026

What “Coverage” Actually Means

Having coverage doesn’t always mean an expense is paid in full. Most group benefits plans are designed to share costs through set percentages, limits, and eligibility rules.

Understanding how your plan works can help you better prepare for out-of-pocket costs.

Want help understanding your coverage? Message me today.

Address

3400 Sheppard Avenue East, Suite 400
Toronto, ON
M1T3K4

Telephone

+14168951910

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