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.

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.

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:

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.

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.

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.

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.