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Answering employers’ biggest benefits questions

Employee benefits
Employee benefits

In a competitive hiring market, having a team of insurance experts can be instrumental in differentiating your business from the competition in the global fight for talent. Luckily, Meldrum Horne is at your service.

Locally-owned and based in Ottawa, Meldrum Horne aims to help employers design and provide comprehensive benefits, group retirement programs and individual financial planning for their current and potential employees, giving them the edge they need to attract the best candidates within their field. Co-founded by Jamie Meldrum and Michael Horne — boasting more than a combined 40 years of experience — Meldrum Horne also consults with businesses on buy-sell insurance and key insurance strategies, helping owners plan for the future.

Serving national and international companies ranging from five to over 5,000 employees, Meldrum Horne is a leader within the insurance industry, and can deliver the kind of customer service that helps their clients get exactly what they’re looking for.

To help companies navigate the world of employee benefits, OBJ publisher Michael Curran sat down with Meldrum and Horne to get some answers to the business community’s most pressing questions on employment-provided insurance.

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What are the 2022 employee benefits trends to watch?

Regarding benefits plan trends in 2022, Horne said employers should be emphasizing choice and flexibility for employees amid the pandemic-induced work-from-home culture. If this is something you’re looking to be cognisant of in the coming year, a Health Spending Account might just be the best choice for your business. 

How can businesses integrate financial wellness into their employee benefits plans?

Organizations are often so focused on providing their employees with health benefits that retirement plans can sometimes be left to the wayside. However, the financial stability a concrete retirement plan can provide is just as important as the physical wellness that comes from health benefits, says Meldrum.

What should companies look for in a benefits broker?

When it comes to looking for a benefits broker, Horne says there are two types of advisors out there: generalists and group and pensions specialists — and if you’re looking for an efficient insurance broking process, it’s the latter you’ll want on your side.

What are the employee benefits options for small businesses?

Traditionally, small businesses may have been priced out of securing a benefits plan for their employees. Fortunately, according to Meldrum, solutions are available to ensure even Canada’s smallest companies can provide their employees with fair and comprehensive insurance while also maintaining financial stability.

When should a business benchmark its benefits plan against local competitors?

Wondering when the best time to benchmark your insurance plan might be? Given today’s increasingly competitive talent market, Horne’s answer can be summed up in two words: “right now.”

How often should businesses market their benefits plan?

There are a plethora of reasons why you should be marketing — or getting numerous quotes from different insurance companies — your insurance plans. The Meldrum Horne approach? Tendering their client’s contracts on a regular basis so they and their employees get the best insurance plan that fits their objectives and mandates.