Aurora Workplace Solutions are about creating brilliant futures by developing wealth security for businesses and individuals. As experts in the industry, they keep on top of recent news including changes to relevant group benefit plans, retirement savings options, and guidelines and policies. They also keep their eyes open for informative articles we think are of interest to our current and potential clients. Aurora Workplace Solutions are Trusted Saskatoon Group Benefits and Insurance Professionals!
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What if you had an accident and couldn’t work for a while?
Your disability insurance would provide income instead 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 ensure you’re prepared for unforeseen circumstances.
There is an answer!
Protect your business with Business Overhead Benefits from a Chambers of Commerce Group Insurance Plan®. Designed for self-employed business owners who generate all of their firm’s sales and revenues and are involved in the business's day-to-day operations, BOE covers your business’ fixed expenses if you’re away for an extended period 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 monthly. 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, usual 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, they provide 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 your employees' health and well-being. 3,000 small businesses like yours join the Plan every year.
Aurora Workplace Solutions designs and creates custom group benefits plans that meet custom organization goals. Read more about their Group Benefits Plans or contact them today to get started!
'Creating Brilliant Futures'
At Fitness Focus, the goal is to offer a fitness centre with a welcoming, fun and safe environment that all ages can enjoy. They are a forerunner in the fitness industry in Saskatoon. With the ever-changing fitness demands of new and improved classes, training; and nutrition. They are your Fitness Focus is Your TRUSTED SASKATOON Gym!
HOW TO ADJUST YOUR FITNESS GOALS FOR FALL AND WINTER
The change of seasons can throw off your fitness routine considerably. If you're used to running around your neighbourhood after work, you may be hesitant to keep that hobby up once the sun starts going down at 5 p.m. Adjusting your fitness routine can take some effort, but your goals shouldn't disintegrate just because the seasons start to change.
INSPIRE YOURSELF
Baggy clothing, unhealthy snacking and pushing back your bedtime will all conspire to land you on the couch during the winter months. Instead, look for small changes you can make to give your body a very different message. Wearing a fitted cardigan is a way to let yourself see the results that you've made after all your workouts. Going to bed earlier is the best way to wake up earlier feeling rested and refreshed so you can go for that morning run. Skipping the potato chips at your mid-afternoon break and substituting whole grains can give you the energy you need to stay on track.
SUB IN WINTER ACTIVITIES
Ice skating, skiing and sledding are all great ways to burn calories while enjoying the new season. And while you may need to travel a few Kilometers to find a rink or trail the effort will be well worth it. Not only will you be testing and improving your physical stamina, but you'll also be learning or improving upon a skill. If you come back from the activity and your shoes are soaked through, put crushed up newspapers inside them and set them in a warm (but not hot) place. Too much heat can wear down the materials of your expensive shoes.
Another option to keep up with your fitness plans during winter is to start using a gym. Fitness Focus provides all the tools for any person to pursue growth and empowerment through personal challenge. Working out a gym offers you consistency so you're less likely to alter your routine no matter what season it is. At
Fitness focus, we offer free 2 week trials and are proud to offer an
exceptional childcare service.
Contact us today and see how we can help you maintain or achieve your fall-winter goals!
