The document discusses reasons for companies to provide employee benefits. It states that benefits help attract and retain top employees, can be seen as socially responsible, and provide an intelligent way to pay employees through tax advantages. It also notes that most employees value maintaining their health benefits over receiving cash. Additionally, it introduces an independent benefits advisor who can shop the market to find clients the best package at the best price.

1. Employee Benefits

2. Employee Benefits
Why?

3. Employee Benefits
Why?
To Attract And Retain The Best Employees

4. Employee Benefits
Why?
To Attract And Retain The Best Employees
It is Paternal, Maternal or Socially Responsible

5. Employee Benefits
Why?
To Attract And Retain The Best Employees
It is Paternal, Maternal or Socially Responsible
It Is An Intelligent Way To Pay Employees

6. Employee Benefits
Why?
To Attract And Retain The Best Employees
It is Paternal, Maternal or Socially Responsible
It Is An Intelligent Way To Pay Employees
It Is An Intelligent Way To Pay Yourself

7. Employee Benefits
Why?
To Attract And Retain The Best Employees

8. Employee Benefits
Why?
To Attract And Retain The Best Employees
Whenever I see a list of the best employers or best
managed companies the listed companies always
seem to offer benefits to the employees.

9. Employee Benefits
Why?
To Attract And Retain The Best Employees
Whenever I see a list of the best employers or best
managed companies the listed companies always
seem to offer benefits to the employees.
The employer generally gets the employees he
deserves.
~ Walter Gilbey ~ British wine-merchant and philanthropist

10. Employee Benefits
Why?
It is Paternal, Maternal or Socially Responsible

11. Employee Benefits
Why?
It is Paternal, Maternal or Socially Responsible
What is the organization going to do when someone gets sick and
can’t work, has high cost medical or dental expenses or dies?

12. Employee Benefits
Why?
It is Paternal, Maternal or Socially Responsible
What is the organization going to do when someone gets sick and
can’t work, has high cost medical or dental expenses or dies?
Conducting your business in a socially responsible way is good
business. It means that you can attract better employees and that
customers will know what you stand for and like you for it.
~ M. Anthony Burns ~ former CEO of Ryder Trucks

13. Employee Benefits
Why?
It Is An Intelligent Way To Pay Employees

14. Employee Benefits
Why?
It Is An Intelligent Way To Pay Employees
Just paying money may not be the best way to reward employees.

15. Employee Benefits
Why?
It Is An Intelligent Way To Pay Employees
Just paying money may not be the best way to reward employees.
Providing health and dental benefits can provide tax free benefits .

16. Employee Benefits
Why?
It Is An Intelligent Way To Pay Employees
Just paying money may not be the best way to reward employees.
Providing health and dental benefits can provide tax free benefits .
It avoids income tax, C.P.P. contributions, employment
insurance, holiday pay and perhaps workers compensation premiums.

17. Employee Benefits
Why?
It Is An Intelligent Way To Pay Employees
Just paying money may not be the best way to reward employees.
Providing health and dental benefits can provide tax free benefits .
It avoids income tax, C.P.P. contributions, employment
insurance, holiday pay and perhaps workers compensation premiums.
Group benefits are wholesale compared to individual insurance.

18. Employee Benefits
Why?
It Is An Intelligent Way To Pay Employees
Just paying money may not be the best way to reward employees.
Providing health and dental benefits can provide tax free benefits .
It avoids income tax, C.P.P. contributions, employment
insurance, holiday pay and perhaps workers compensation premiums.
Group benefits are wholesale compared to individual insurance.
* In Manitoba provincial sales tax may be charged on premiums.

19. Employee Benefits
Why?
It Is An Intelligent Way To Pay Yourself

20. Employee Benefits
Why?
It Is An Intelligent Way To Pay Yourself
Using company money to pay some personal medical
expenses can be income tax efficient.

21. Employee Benefits
Why?
It Is An Intelligent Way To Pay Yourself
Using company money to pay some personal medical
expenses can be income tax efficient.
It avoids income tax, C.P.P. contributions in some cases,
and sometimes workers compensation premiums.

22. Employee Benefits
Why?
It Is An Intelligent Way To Pay Yourself
Using company money to pay some personal medical
expenses can be income tax efficient.
It is unlikely that anyone will pay your family medical expenses but there
is a tax efficient way to pay them and save some serious dollars.
It avoids income tax, C.P.P. contributions in some cases,
and sometimes workers compensation premiums.

23. Employee Benefits
Why?
It Is An Intelligent Way To Pay Yourself
With the fairly recent increase in contract employees and home based
businesses, group insurance is now available for groups as small as one
employee.

24. Employee Benefits
Why?
It Is An Intelligent Way To Pay Yourself
Just over 1.8 million self-employed people worked at home in 2008, or 60
per cent of the total, up from 50 per cent, or 1.4 million, eight years earlier.
With the fairly recent increase in contract employees and home based
businesses, group insurance is now available for groups as small as one
employee.

25. Employee Benefits
Why?
It Is An Intelligent Way To Pay Yourself
Just over 1.8 million self-employed people worked at home in 2008, or 60
per cent of the total, up from 50 per cent, or 1.4 million, eight years earlier.
With the fairly recent increase in contract employees and home based
businesses, group insurance is now available for groups as small as one
employee.
Source: Statistics Canada - 2008 General Social Survey (GSS) 2008

26. Employee Benefits
Cash or Benefits?

27. Employee Benefits
Cash or Benefits?
Plan members value peace of mind over cold cash—when offered a choice between
$10,000 and their health benefits, 59% opt to keep their benefits. 31% would take
the money, and 10% do not know. In 2009, when this question was last asked, 56%
preferred their benefits, 38% the cash and 6% did not know.

28. Employee Benefits
Cash or Benefits?
Plan members value peace of mind over cold cash—when offered a choice between
$10,000 and their health benefits, 59% opt to keep their benefits. 31% would take
the money, and 10% do not know. In 2009, when this question was last asked, 56%
preferred their benefits, 38% the cash and 6% did not know.
Source: The Sanofi-Aventis Healthcare Survey 2011

29. Employee Benefits
Why Deal With Me?

30. Employee Benefits
Why Deal With Me?
I Am An Independent Advisor

31. Employee Benefits
Why Deal With Me?
I Am An Independent Advisor
I can shop the market from time to time and find you
the best package for the best price available.

32. Employee Benefits
Why Deal With Me?
I Am An Independent Advisor
I can shop the market from time to time and find you
the best package for the best price available.
Brian Penston
B.Comm. (Hons.), CLU, CH.F.C., CFP

33. Brian Penston
B.Comm. (Hons.), CLU, CH.F.C., CFP
Phone: (204) 633-7353 Email: bpenston@mts.net