Tools to give your employees more drug choice (without additional cost)

Patient Choice Cards have been around for many years. They offer a way to give your employees (with generic drug plans) to remain on brand name medication at little or no additional cost over what they would pay for the generic.  These programs are supported by brand name manufacturers and there is generally no cost to your plan or your plan members.

We use generic and mandatory generic plans as a way to control employer costs. Generic drugs are aften sold at 15 to 25% of their brand name equivalent, creating huge savings for employers.

If you would like to learn more about generics, please visit Health Canada or the Canadian Drug Agency

RxHelps cards:  https://www.rxhelpone.ca/en

Innovicares cards:  https://innovicares.ca/en

Brochure for RxHelpONE

Ontario Requirements for Mandatory Policies, Training, Postings and Information Sheets

This document is a repost from 2022/2023 of the MINIMUM standards for Ontario Employers.  It includes the posters you MUST have in the workplace as well as policies all firms require (Note: some are effective at 5 or more staff and items like pay equity begin at 10 staff)

Topics and Items include:

  • Poster: Employment Standards Act, 2000
  • Poster: Workplace Safety and Insurance Act
  • Poster: Occupational Health and Safety Act (“OHSA”)
  • Establishing and Posting: Joint Occupational Health and Safety Committee
  • Policy, Training and Posting: Health and Safety Awareness and Workplace Violence
  • Policy, Training and Posting: Workplace Harassment and Sexual Harassment
  • Policy: Disconnecting from Work (Working for Workers Act, 2021)
  • Policy: Electronic Monitoring (Working for Workers Act, 2022)
  • Policy: Respect in the Workplace
  • Policy, Training and Posting: Accessibility Requirements for All Organizations
  • Additional Requirements: Design of Accessible Public Spaces and Websites
  • Plan and Posting: Pay Equity
  • Training and Posting: Workplace Hazardous Materials Information System (WHMIS)
  • Posting: Smoke-Free Ontario Act, 2017

DOWNLOAD HERE

Employment standards webinars

Ontario WSIB is hosting free webinars on the Ontario Employment Standards Act.

I have NOT attended these, so not sure of the content, but thought it may be useful to clients.


Information sessions

The ministry, in partnership with organizations across Ontario, provides general information sessions on the Employment Standards Act (ESA).

These information sessions are delivered by subject matter experts from the ministry and cover topics such as hours of work, public holidays, leaves of absence and more.

To sign up for a session, check the calendar below and contact the host directly. This calendar is updated as new sessions are scheduled.

Date/time Location Organization Topic Register
May 7, 2025

10 a.m. to
12 p.m.

Webinar Ministry of Labour, Immigration, Training and Skills Development Employment Standards Act

Overview for Employees

Zoom Registration
May 12, 2025

10 a.m. to
12 p.m.

Webinar Ministry of Labour, Immigration, Training and Skills Development Employment Standards Act 

Public Holidays Overview

Zoom Registration
May 14, 2025

10 a.m. to
12 p.m.

Webinar Ministry of Labour, Immigration, Training and Skills Development Employment Standards Act

Overview for Employers

Zoom Registration
June 4, 2025

10 a.m. to
12 p.m.

Webinar Ministry of Labour, Immigration, Training and Skills Development Employment Standards Act

Vacation Time and Vacation Pay Overview

Zoom Registration

If you would like to request an information session about an ESA topic outside of the sessions listed in the calendar, please email EOP@Ontario.caPlease note: Our ability to provide a session depends on the availability of staff and number of attendees (minimum of 10 participants).

https://ontario.us16.list-manage.com/track/click?u=4ebaa11387038c3e29a6a4a8b&id=54e85149a3&e=a048bc1cf2

Check with your business insurance advisor that you have Plan Admin Liability Coverage

Each year we include a reminder in your renewal documents about this incredibly valuable (and FREE) benefit, but thought a separate reminder might be a good idea.  Please reach out to your Business (P&C) broker to double check.

Plan or Benefit Administrator Liability coverage is a “Rider” to your business liability (CGL) policy.  It provides coverage in the event an error or omission being made in the administration of the benefit plan (e.g. an employer fails to enrol a new hire and a death, disability or health event then occurs).  I’ve included excepts from a copy of my policy to illustrate what the coverage looks like.

Please reach out to your Business (P&C) broker to double check that you have this rider.  It should not cost anything to add it (for groups under 500 employees), but if they say it will, I can connect you with a broker that can provide a competitive quote that will include it at no charge.  Just ask.

Minimum Wage in Ontario to Increase Effective October 1, 2025

On April 1, 2025, the Government of Ontario announced that the general minimum wage will increase from $17.20 per hour to $17.60 per hour effective October 1, 2025. This change applies to most employees but not all.

Some exceptions include:

  • Students under the age of 18 who work 28 hour or less per week while school is in session or those who work during a break or summer holidays will be entitled to a minimum wage of $16.60 per hour effective October 1, 2025.
  • Hunting, fishing, and wilderness guides will see an increase to $88.05 for working fewer than five consecutive hours in a day or $176.15 if they work five or more hours in a day, regardless of whether the hours are consecutive. This change is effective October 1, 2025.
  • The homeworkers minimum wage will increase to $19.35 per hour. This includes students of any age who are employed as homeworkers. This change is effective October 1, 2025.

(content from E2R)

2025 Ontario Dental Fee Guide increases (Part 2- other provinces)

Sun Life has released their annual report on the Provincial Dental Fee Guide adjustments.  Overall, most provinces are seeing lower than average increases with Ontario being the LOWEST after a few years of much higher than average increases (see below).

2025: 2.03%      2024: 4.5%      2023: 8.50%     2022: 4.75%    2021: 4.60%    2020: 1.27%   2019: 4.19%   2018: 2.5%


2025 Dental plan updates: adjusting fees to maintain quality care

Canadian dental associations have published their annual fee guides, which Sun Life uses to set reimbursement rates for dental services.  Most fee guide increases this year are lower than last year. This is positive for plan members and Clients. Moderate increases may result in lower out-of-pocket amounts for plan members and improved dental plan sustainability.

Below are the fee guide increases announced for 2025 by the dental associations:

Province/Territory Overall Increase 2025 Effective Date
Alberta 4.12% January 1
British Columbia 3.27% February 1

 

Manitoba 3.1% January 1
Saskatchewan 3.63% January 1
Ontario 2.03% January 1

 

Quebec 4.5% January 1
Nova Scotia 3.81% February 1

 

New Brunswick 3.6% February 1

 

Prince Edward Island Not received at time of print January 1
Newfoundland & Labrador 3.00% January 1
Yukon No updates provided

 

Northwest Territories 3.28% January 1
Nunavut Not received at time of print January 1

Link: https://www.sunlife.ca/workplace/en/group-benefits/workplace-health-resources/sponsor-latest-news/over-50-employees/2025-dental-plan-updates–adjusting-fees-to-maintain-quality-car/

Managing Temporary Workplace Disruptions: Supplemental Unemployment Benefit Plans And The Employment Insurance Work-Sharing Program

The majority of our client/partners are not expected to see large negative effects from the impending tariffs being levied by the US.  In fact, some may actually be helped by those imposed by Canada.  That said, there are some options available to employers that are affected.  The article below provides some general into on these programs. 


As discussed in our FTR Now articles of February 6, 2025 and February 14, 2025, the economic uncertainty caused by the prospect of tariffs has led employers to consider temporary layoffs and mass terminations.

https://www.mondaq.com/canada/employee-rights-labour-relations/1588664/managing-temporary-workplace-disruptions-supplemental-unemployment-benefit-plans-and-the-employment-insurance-work-sharing-program

Canadian Benefit Tax Facts

Every year we see an insurer or TPA generate a “tax update” that shows the new CPP/QPP/ EI/ Tax/WSIB and benefit taxation details.  Some of these have been the same for years (like RST on benefits in Ontario), but others change each year like CPP.

The document below, from BBD, provides information that you may find useful. 

If you have any questions, please reach out anytime, or speak to your accountant.

BBD-Tax-Tips

Legislative Update – ONTARIO

A few updates to the Ontario ESA are coming into effect this year.  The amendments noted here are provided by e2r


In December, Ontario’s Working for Workers Six Act, 2024 (Bill 229) received Royal Assent and we’ve outlined below the key legislative changes of interest to Ontario employers:

Employment Standards Act, 2000 (ESA) – The amendments introduce two new unpaid leaves under the ESA:

1.   Long-Term Illness Leave – Effective June 19, 2025

  • An employee who has been employed for at least thirteen consecutive weeks will be entitled to an unpaid leave of up to twenty-seven weeks if they are not able to perform their duties because of a serious medical condition.
  • Entitlement to the leave is conditional on the employee providing a certificate or note from a qualified health practitioner (e.g., doctor, registered nurse or psychologist), confirming the employee has a serious medical condition and the period in which the employee will not perform their duties because of the serious medical condition.

2.   Placement of Child Leave – Effective TBD

  • An employee with at least 13 weeks of service is entitled to an unpaid leave of up to 16 weeks after the placement or arrival of a child into the employee’s custody, care and control through adoption or surrogacy.
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