The Small Business Health Plan

Is There a Retirement Crisis in Canada?

2014 Update on Individual Pension Plans (IPPs)

Drug Reform Coming in Alberta

OBAMACARE EN ROUTE TO ALBERTA?

The Small Business Health Plan

While corporate sponsored health plans provide employees protection from the expense of drugs, dental, vision and other healthcare, they also provide a tax-efficient form of compensation. Health plans in Canada, also called Private Health Service Plans (PHSPs), are a deductible expense to the corporation and a non‐taxable benefit to employees. This means that employees can arrange, through a PHSP, to have medical bills paid on their behalf, without attracting income tax.

Is There a Retirement Crisis in Canada?

2008 brought one of the sharpest declines in stock market values ever seen in the 200-year history of North American equity markets. This particular downturn also spurred a new round of analysis on the adequacy of the Canadian retirement system, addressing the growing concern that what we are dealing with is a Pension Crisis.

2014 Update on Individual Pension Plans (IPPs)

A perspective that is unique to Qube is that we believe the best pension plan is one that is justified even if it only runs for a few years. Using pension legislation, it is possible to create a large deductible first-year deposit that can easily justify running the pension program for only a couple of years.

Drug Reform Coming in Alberta

OBAMACARE EN ROUTE TO ALBERTA?

I wonder if we were to approach the average Albertan and ask him or her whether Alberta has an ‘all in nobody out’ provincial Pharmacare Program, how many would correctly answer ‘no’. Though we do have ‘catastrophic drug coverage’ for select groups like seniors and those on social-assistance, how many would know that average Albertans do not have universal access to prescription drugs?