Auto Body - 1983

The taxable employer contribution toward the provincial health insurance premium was replaced with non-taxable life, health and dental benefits.

Medical & Dental Benefits
Continues premium increases were countered with the introduction of coinsurance and premium sharing.
In 2000, the defined benefit plan was replaced with a health spending account with contributions based on seniority.

Medical & Dental Benefits
Employee paid disability insurance was introduced in 1985.

Observations
Matching benefit contribution to seniority was effective in recognizing the attrition hurdles of 6-month and 2 years.

Construction - 2000

A construction firm introduced a Health Spending Account and contributed $150 monthly per employee to "reward their staff and show they cared".

Observations
The flexibility that is important to the employer has been achieved.
Long-term disability insurance is available and should be implemented.