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The U.S. Department of Labor (DOL) recently withdrew a 2021 tipped-wage rule vacated by a federal appeals court in August 2024, officially reinstating the pre-2021 regulation for tipped employees under the Fair Labor Standards Act (FLSA).

DOL Withdraws 2021 Tipped-Wage Rule

The U.S. Department of Labor (DOL) recently withdrew a 2021 tipped-wage rule vacated by a federal appeals court in August 2024, officially reinstating the pre-2021 regulation for tipped employees under the Fair Labor Standards Act (FLSA). The Now-Withdrawn “80/20/30” Rule The vacated “80/20/30 rule” outlined three work categories for tipped employees: Tip-producing work providing direct […]
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What Canada's Aging Population Means for Life Insurance

Life Insurance and Canada’s Aging Population

Canada is undergoing a significant demographic shift. With the population aged 65 and older projected to nearly double by 2050, this aging trend will have profound implications for many sectors—including life and health insurance. Understanding how these changes impact coverage, costs, and planning is crucial for individuals and businesses alike.     1. Rising Demand […]
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5-Step Guide to Life Insurance When You're Self-Employed

5-Step Guide to Life Insurance When You’re Self-Employed

Being your own boss comes with plenty of perks—flexibility, independence, and the ability to build something truly your own. But it also means you don’t have the built-in safety nets that traditional employees get, like employer-sponsored life insurance.   If you’re self-employed, securing the right life insurance policy is essential to protecting your loved ones […]
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5 Things to Consider When It Comes to Your Group Coverage at Work

5 Things to Consider When It Comes to Your Group Coverage at Work

Group coverage is one of the most valuable perks many employers offer. From health and dental care to disability and life insurance, your workplace benefits can provide peace of mind and financial security for you and your family. But to get the most out of your plan, it’s important to understand what’s covered, how it […]
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HSA vs. Traditional Benefits: Why Flexibility Matters for Your Team

HSA vs. Traditional Benefits: Why Flexibility Matters for Your Team

When it comes to employee benefits, one size does not fit all. While traditional group benefits plans offer structured coverage, they don’t always meet the diverse needs of today’s workforce. That’s where a Health Spending Account (HSA) comes in—offering unmatched flexibility and control over healthcare spending.   If you’re an employer looking to provide valuable […]
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How to Determine the Best Type of Life Insurance Coverage for Your Family

How to Determine the Best Type of Life Insurance Coverage for Your Family

Life insurance is one of the most important financial decisions you’ll make for your family. It provides security, ensuring your loved ones are financially protected if something unexpected happens. But with so many options available, how do you determine which type of coverage is best for your family’s needs? Let’s break it down.   Understanding […]
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Identity Theft: Protecting Yourself - INSURICA

Identity Theft: Protecting Yourself – INSURICA

Identity thieves get information in a variety of ways, including: Stealing personal items such as a wallet, purse, laptop, personal digital assistant and mail Picking through garbage for discarded credit card statements, bank statements and pre-approved credit card offers Hacking into computers Posing as someone else to obtain personal information from a bank, credit card […]
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Effective Volunteer Management | INSURICA

Effective Volunteer Management | INSURICA

Volunteer Management is an essential component of many school communities, contributing to educational programs and student activities through dedicated volunteer support. Effective volunteer management goes beyond recruitment—it also involves addressing liability and safety concerns to protect both volunteers and the school environment. In successful volunteer management, thorough background checks and proactive supervision are critical. 1. […]
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Understanding the Tax Advantages of Offering Group Benefits

Understanding the Tax Advantages of Offering Group Benefits

For Canadian employers, offering group benefits isn’t just about supporting your employees—it’s also a smart, tax-efficient way to invest in your business. Group benefits, like health, dental, life insurance, and retirement savings plans, can help attract and retain top talent while providing financial advantages for both you and your team. Let’s dive into the tax […]
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The Importance of Builder’s Risk Insurance: When Do You Need It?

The Importance of Builder’s Risk Insurance: When Do You Need It?

When it comes to construction projects, whether you’re building a new home or renovating an existing structure, having the right insurance coverage is crucial. One key policy that often flies under the radar is builder’s risk insurance. So, what is it, and why do you need it? Let’s break it down…   What is Builder’s […]
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