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Save the Date for Cowan’s Fall Seminar

Promoting Financial Wellness for Employees 

     Wednesday, October 29, 2014
Time:        8:00 am – 11:30 am
Location:    Cowan Insurance Group (705 Fountain Street North, Cambridge, ON)

Employers are beginning to use a variety of resources to improve the physical and mental wellness of their employees; financial wellness…

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Ontario Retirement Pension Plan

On July 14, 2014, the Ontario Government reintroduced its budget originally tabled in May 2014.  The budget included a number of pension reforms including the announcement of a mandatory pension plan, the Ontario Retirement Pension Plan (ORPP).  Below are some key features from the ORPP, as outlined in the budget; more details will be released in the later part of 2014 before legislation is introduced.

  • The ORPP will be introduced in stages starting in 2017, beginning with…

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Financial Education for Today’s Workforce - 2014 Survey Results

In the past we have provided you with information on the results of plan member/participant-focused surveys, which showed an increased need for financial literacy education on retirement savings and personal finances as a whole. We find it interesting that the Financial Education for Today’s Workforce survey, prepared by the International Foundation of Employee Benefit Plans (IFEBP), comes from an employer’s perspective and yet the results are similar. 


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REMINDER! Over-age Dependants – Student Status for Ongoing Group Coverage

It’s that time of year again! Back to school is looming, which means it’s time to confirm over-age dependant student status. Although specifics may differ by insurer, in general, dependant children over the age of 21 may be eligible for continued group benefits coverage if they are:

•    a full-time student; and
•    over the age of 21 but under the age of 25 (26 in Quebec); and 
•    dependant…

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