November 2023 CGIB News

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Dear Subscriber,

Happy Halloween!

I think taking kids out trick or treating is like hunting for group clients.
  • In both we are looking for the reward, be it candy or clients.
  • In both we usually go to the places we are comfortable, maybe ours, or a good neighbourhood, where we fit in
  • In both, we might stay away from dark or risky areas
  • After the day (or night) is over, we head home to check our haul

But this is just the start. this is the prospecting. We aren't eating yet.

Once we get back to home base, we...
  • Check to see that the candy is sealed and safe to eat
  • Review the prospects to see if they are safe. This might be checking to ensure they are "real" groups, with aligned goals, and not likely to put us at risk by ignoring rules, laws or contracts

Once we've sorted out the "bad" treats or prospects, the fun begins. We get to work on enjoying them by eating the candy, or changing the prospects to clients, and enjoying the rewards.

Let's avoid the risky stuff and enjoy the Kraft Caramels (arguably the best treat there is :-)

Have a great day.

Dave
 
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OUR EVENTS

I am pleased to release the Canadian Group Insurance Brokers & Business Career College podcast called The Navigator.  This is a regular podcast sharing and discussing all things group benefits. A huge thanks to Jason Watt (he/him) CD CLU for making this possible. 

Watch for our next interview with Emily Stewart of BBD discussing the CGIB CHIP renewal.

You can watch/listen:
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CGIB COFFEE CHATS

Coffee chats are like a virtual breakfast. Log in, ask questions, share problems, seek solutions and talk about what's on your mind.  Best done from a computer, with a camera and a microphone. No CE credits, but also no cost, just show up.

Thursday November 16th @2pm (EST)
Tuesday November 28th @2pm (EST)
Thursday December 14th @2pm (EST)

CGIB Members may join the meeting at the time above by visiting... 
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BREAKFAST MEETINGS
CGIB supports the volunteers that runs the breakfast meetings below.

Please find the details for your closest location below.
Ajax, Atlantic Canada, Cambridge, Edmonton, London, Markham, Oakville, St Catherines, Toronto, Vancouver, Vancouver Island, Windsor or the Virtual National Meeting

Please contact the event champions to be added to their lists, and receive more info.  https://cgib.ca/breakfast-meetings
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Upcoming CGIB Events:   

The November 8th, 2023 CGIB Toronto Seminar event has over 130 registered and we are running out of space.
Please register before November 3rd to avoid missing out.

Use the non-member discount code ( memberfriend50off ) for staff and/or associates.
 
Don't forget the CGIB Member Benefit of HR Resources for your Clients
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GET ON SLACK

The CGIB SLACK channel is a great place to pose questions, share info and learn a ton from your fellow members.  The info and discussions that are posted there are unlike anywhere in the industry with documents, videos and information available in MEMBERS ONLY to make your life easier. 

NOTE TO ALL SLACK USERS: We now have 80+ channels in Slack to handle different topics. Please take a moment to add these channels to your menu. To do so, just click on the + next to Channels on the top left.  
Browse the channels and then click JOIN to add each of them. By doing so you won’t be missing really great info.
 
SUGGESTED READING

We think the information contained below is of great value and encourage you to read the articles and check out the events that interest you. These articles and events are not run by CGIB, so please contact the organizers for information. We take no responsibility for the websites, events, organizations or thier content.

WHY DO WE SHARE THIS CONTENT?

We think the info below is good for several reasons. In can be used to...















 
SETH GODIN'S BLOG -  What are the defaults? 

Perhaps they were chosen a very long time ago.
Or with very little thought.

It could be that the constraints that led to the default are long gone.
They might be perpetuating bad choices, injustice or sub-optimal outputs.

The best way to fix something is to look at what we assume is the ‘right’ starting spot.

In persistent systems, it might be difficult to change the default setting, but knowing what it is and how it got there is a great place to begin.

Put another way...This is what we see in benefits every day. People tend to stick with the old "traditional insurance plan" because that's what they grew up with, what they are comfortable with and what they understand (advisors too). 

Is that the right solution? It may be, but it's more likely the employer could benefit from something new, that is a better fit for their firm. Maybe it's an HSA ( to keep costs down), or a hybrid plan (to provide flex, insurance and cost controls), or an exclusionary formulary (to protect against high cost drugs), might be better solutions.  

Maybe you can change the "default" to "Your Unique Offering". 
 

Want to provide your admin and support staff with basic knowledge?
Want to dig into something more detailed for your benefits/insurance business?

Business Career College (BCC) has an extensive catalogue of online CE courses with a number of group benefits specific courses covering topics ranging from contractual concerns, plan designs, and underwriting requirements, to product specifics and integration with government benefits. Courses consist of narrated videos with short, online quizzes.
The full catalogue includes over 60 courses, podcasts, and videos covering topics from the world of insurance, investments, financial planning, taxation, and ethics with a focus on technical content and real-world application. Courses are accredited for the maximum categories of credits and can include provincial Life and A&S credits, FP Canada, Advocis, and more!

Use the code CGIB25 for 25% off the yearly subscription Price.
The regular retail price is $200/year, CGIB members save $50/year!!!

Sign Up HERE
 
Welcome to The Benefits Trust Zoomcast!
 
Time: 10:00 am – 11:00 am EST
Customized plan designs often result in strong long-term client relationships. They’re also associated with higher employee satisfaction and retention. True plan customization is not available for small and mid-sized businesses with most mainline insurance carriers.
Attend this session to find out who is the perfect prospect for a customized plan design.
In this Zoomcast we’ll look at:
  • How to assess the perfect prospect for creative plan designs
  • Client needs analysis
  • Understanding the risks and how to manage them
  • Case studies
  • Taxation considerations
  • Q & A
This Zoomcast with be presented by The Benefits Trust, Canada’s largest independent third-party administrator.
The Ins and Outs of Group Travel Insurance (1.0 CE Credit)
 
Time: 10:00 am – 11:00 am EST
Emergency travel insurance is one of the most confusing and contentious issues in an employee benefits plan. The stakes are high and the rules are often misunderstood.

Attend this session to gain a better understanding of Emergency TravelInsurance so you can better advise your clients.
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It’s expected that by 2035, 1 in 4 people will be living with obesity, representing approximately 1.9 billion people worldwide. Obesity has long been misunderstood and stigmatized as a lifestyle condition, instead of a complex disease with significant comorbidities and health impacts.

On Nov. 1 from 1:00 – 2:00 PM ET, join Benefits Canada and Novo Nordisk for a webinar that will dive into the science, misconceptions and complexities of this chronic disease. Join to learn about treatments that can contribute to improved outcomes and how plan sponsors can gain an understanding of how they can better support their plan members living with obesity.     

 Rami Halabi, medical science liaison, Novo Nordisk   

FREE WEBINAR   REGISTER NOW
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Navigating the Challenges of Living
with Crohn's Disease and Ulcerative Colitis
Thursday, November 9, 2023 1:00 p.m. to 2:00 p.m. EST

Speaker:  Gail Attara - President & CEO - Gastrointestinal Society
Mapol Inc. invites you to attend a complimentary webinar sponsored by Takeda Canada Inc.

The webinar will be held on Thursday, November 9, 2023, from 1:00 p.m. to 2:00 p.m., Eastern Standard Time.

Learning Objectives:
  • Learn about Crohn’s disease and ulcerative colitis, and how these inflammatory bowel disease (IBD) conditions impact a plan member’s quality of life.
  • Understand the impact on patients who live with IBD, their therapeutic options and experiences in the workplace.
Please follow the below steps to register:
  1. Click the registration link.
  2. Fill in the required information on the registration page, then click "Register."
  3. Closer to the webinar date, you will receive a registration confirmation email with the webinar login details.
An application for 1 CE credit will be submitted to the Institute for Advanced Financial Education. Individual CE applications are not submitted to any other regulatory body (i.e. AIC, ICM, CSF, IIROC, etc.).

Please note, this complimentary webinar is limited to invited guests including insurers, PBMs, TPAs, benefits consultants, and employers.

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Need help? Have questions? Looking for something?

Reach out to CGIB - Dave Patriarche - dave@cgib.ca - 905-886-9203

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