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Will an accident leave your business disabled?

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the The Chambers of Commerce Group Insurance Plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  Our  latest post subject is will an accident leave your business disabled?

What if you had an accident and couldn’t work for a while?

Your disability insurance would provide income in place of your salary until you were on your feet again, but what about those business bills! Unfortunately, none of us can predict a sudden illness or injury. It’s wise to consider how your absence would impact your business and make sure you’re prepared for unforeseen circumstances.

Designed for self-employed business owners who generate all of their firm’s sales and revenues and who are involved in the day-to-day operations of the business, BOE covers your business’ fixed expenses if you’re away for an extended period of time due to disability. BOE must be purchased in conjunction with Long Term Disability benefits.

Available in blocks of $100, coverage is available from $500 to $2,000 per month. The benefit will pay eligible business expenses, after a 30 day waiting period, for up to 18 months while you are disabled. Eligible business expenses are the actual, normal and customary expenses incurred by you, the owner, in the operation of your business. For partnerships, your assumed portion of such expenses is covered.

Eligible business expenses include:

  • Rent, electricity, telephone
  • Business taxes and licenses
  • Property taxes for the place of business
  • Leasing and amortization costs of equipment, including automobiles
  • Interest including the interest portion of mortgage payments, unpaid bills or lines of credit
  • Amortization or periodic repayment of capital including mortgages

In Addition:

  • Salaries of personnel who do not generate income and whose services are essential during your disability
  • Professional services of an outside accountant
  • Professional dues and professional liability insurance
  • Office cleaning
  • Postage and office supplies

You can purchase Business Overhead Expense coverage in conjunction with Chambers Plan Long Term Disability benefits. Together, it’s the coverage business owners need, at an affordable price.

With quick claim payments, rate stability, and guaranteed renewable coverage, the Chambers Plan makes it easy for you to invest in the health and well-being of your employees. 3,000 small businesses just like yours join the Plan every year. With the help of our local advisors at YXE Benefits, let us design a plan to fit your needs and your budget from an array of benefits and options:

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

Heard of Employee Assistance Program from Chambers Plan

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members.  In our latest post, we share information on Employee Assistance Program from The Chambers Plan.

Employee Assistance Program to the rescue

Employee Assistance PlanWhen life’s challenges make it difficult to concentrate on work, support for you and your employees is available through the Chambers of Commerce Group Insurance Plan Employee Assistance Program (EAP) – Arive®.

This confidential service provides access to professional counselling and guidance from experts who understand how coping with personal issues affects absenteeism and productivity on the job.

A good solution for businesses without internal HR support

The Chambers Plan Arive® Employee Assistance Program can complement any human resource department. It is also a good solution for businesses without internal HR support to help individuals deal with complex issues best resolved with the assistance of accredited professionals.

External one-on-one consultation is often financially out of reach for many employees; through the Chambers Plan Arive® EAP, you and your staff now have access to expert advisors and clinical assistance.

Professional Support for Individuals

Employee Assistance Program offers confidential, face-to-face counselling with a designated counselling professional, for employees experiencing personal problems, including:

  • Family challenges/Personal problems
  • Work-related difficulties
  • Addiction/Dependency concerns
  • Eldercare issues

Telephone consultation for Nutrition counselling

Also includes private telephone consultation for:

  • Legal issues
  • Financial struggles
  • Childcare information

Additional Support for Management

Management Guides and Bulletins: Guides and bulletins written by experts who understand the stresses and complexities of employee management on such topics as handling mental health issues in the workplace, holding better meetings, attracting and retaining great employees, dealing with addiction issues, bridging the generation gap, managing absenteeism, and more.

Critical Incident Stress Debriefing (CISD):In the event of an armed robbery, unexpected death of a co-worker, major occupational injury or other critical incidents – immediate help is available.

A counsellor will help you design communications, a support plan, and employee information sessions to best suit the situation. Intervention may be in-person or by telephone, as determined in the initial contact.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

YXE Benefits Saskatoon

YXE Benefits offers the simple, stable, smart choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose The Chamber group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Chamber members.  In our latest post, we discuss added the Chamber Plan value, one of which is the Business Assistance service. This is just one of the additional features built into each benefit plan at no additional cost.

Business Assistance Service

Business Assistance Service (BAS)

Helping you manage your business more efficiently

Most small businesses can’t afford to have a team of specialists on hand to help deal with unexpected problems that require an expert opinion. The Chambers Plan BAS is designed to fill this gap. This confidential service provides access to professional accounting, counselling, legal and human resource experts who understand the challenges faced by small business owners. One-on-one consultation is often financially out of reach for many businesses, however through the Chambers Plan BAS, firms have access, free of charge, to expert advisors who can help their business grow.

The Chambers Plan BAS provides business owners:

MANAGEMENT SERVICES

Provides up to nine hours of Legal, Accounting and Specialized Human Resource services combined, per calendar year.

  • Legal Advice – When faced with a legal dilemma, this service provides practical and current interpretations of company, partnership, taxation and insolvency law, plus all relevant aspects of common and civil law.
  • Accounting Advice – When the numbers don’t add up, advice from a professional enables owners and managers to strengthen management and control functions through expert counsel.
  • Specialized Human Resource Services – When facing a technical human resource issue, from termination processes and overtime pay to legislative/labour law concerns, this service provides you with answers confidentially, via telephone.

HUMAN RESOURCE COACHING

Confidential telephone coaching helps address a wide range of challenging people issues, including performance management, absenteeism, conflict and difficult behavior.

ABSENTEEISM MANAGEMENT

When an employee is consistently absent from work, or underperforming, there is a strong probability that a personal issue is the cause. Owners now have the resources available to help employees deal with situations affecting performance, through face-to-face counselling with a trained professional.

Business Assistance Service Chambers Plan Value

The Chambers Plan has retained Arete® Human Resources Inc. as the independent service provider of the Business Assistance Service. Arete manages a national network of professionals, ready to assist you and your employees, and a toll-free call will put you in touch with a trained specialist who will identify how best to help you.

We encourage you to connect with us on our Saskatoon social media platforms on FacebookTwitter & Linkedin. 

Contact us today for a quote…. find out if you can benefit!

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

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