Meldrum Horne

Celebrating the expertise of Marita Gignac, our Senior Consultant whose daily routine includes going above and beyond for clients.

With 14+ years of experience in employee group benefits, she brings empathy, responsiveness, and genuine care to every relationship—always taking time to listen and advocate for each client’s unique needs. Outside of work, Marita enjoys hand quilting, reading fiction, and spending quality time with her husband, son, and daughter.

Her commitment to delivering exceptional service reflects everything we value at Meldrum Horne. Thank you, Marita—we appreciate you!

Meet Vanessa Sanschagrin, our Client Service Manager at Meldrum Horne.

With extensive insurance and investment servicing expertise, Vanessa ensures our clients receive top-notch care. Her attention to detail and calm demeanour under pressure make her a trusted resource for all things related to administration, contract interpretation, and compliance.

Outside of work, Vanessa enjoys a good movie, outdoor activities, and quality time with her husband and toddler.

Thank you, Vanessa, for your dedication and the personal touch you bring to our clients!

When an employee is approved for Long Term Disability (LTD) benefits, it’s crucial to clarify the future of their health and dental coverage. How long will these benefits continue? Will the employee need to contribute to the cost?

A formal Continuation of Benefits policy ensures these questions are answered in advance, offering transparency and fairness. By establishing clear policies, you can provide peace of mind for employees who may face disability due to accident, injury, or illness, while protecting your organization and maintaining consistency across your workforce.

Take the time to set up clear guidelines today to avoid confusion tomorrow. To learn more, you can visit https://meldrumhorne.com/group-benefits/

A Registered Education Savings Plan (RESP) is a powerful tool that can ease the financial burden of higher education, and the earlier you start, the more you can help your child succeed.

By planning early, you can take advantage of government grants, tax-deferred growth, and make your savings work harder for you and your child.

Start today, and make tomorrow's education costs more manageable.

Wishing you a prosperous and successful New Year.

Cheers to achieving great things together in 2025!

Happy Holidays from all of us at Meldrum Horne! 🎄

As we reach the end of another successful year, we'd like to extend our heartfelt gratitude for your continued trust and partnership. May your holiday season be filled with warmth, joy, and cherished moments with loved ones. Wishing you and your team peace, health, and prosperity in 2025!

From all of us at Meldrum Horne, we want to shine a spotlight on our Director, Client Experience and Business Operations, Andrea Lacelle, who brings over 25 years of experience to the team.

Andrea’s exceptional organizational skills and caring nature make her an invaluable asset. She excels at fostering strong relationships with clients and suppliers while also training and coaching staff to ensure we deliver the best possible service in group benefits and retirement solutions.

When Andrea isn’t leading her team, she enjoys spending time with her husband, son, and daughter at their family cottage, a cherished space that spans four generations.

Thank you, Andrea, for everything you do. We appreciate you!

When travelling outside of Canada, whether for work, pleasure, or school. Be prepared for the unknown by understanding your coverage and knowing what to do in case of an emergency.

Key Points to Keep in Mind:
• Review Your Policy: Pay attention to exclusions, especially for pre-existing conditions and pregnancy.
• Contact Travel Assistance: If you need emergency care, contact your provider before seeking treatment for support and direct billing.

Learn more in the "For Your Benefit" section of our website: https://vist.ly/3mpmz5k

Most group benefits programs require employees to have provincial health coverage (or an equivalent) in place. To bridge the gap, many insurance providers offer Provincial Plan Replacement (PPR) programs, which provide temporary coverage for medical expenses during this waiting period.

Learn more about supporting your team from day one by visiting the "For Your Benefit" section on our website.

https://vist.ly/3mp64up

Employee benefits fraud can result in financial losses, harm employee morale, and disrupt organizational culture.

You can help mitigate the risk of employee benefits fraud by:
✅ Implementing clear fraud prevention policies that define consequences for engaging in fraud.
✅ Encouraging a culture of integrity focused on honest & transparent behaviour.
✅ Establishing confidential reporting channels for employees to flag fraudulent activities.

By taking proactive steps, you can protect your employee benefits program and promote a culture of trust and accountability within your organization.

To learn more on how to mitigate the risks of employee benefits fraud, please visit the "For Your Benefit" section on our website.

https://meldrumhorne.com/wp-content/uploads/2024/04/Benefits-Fraud.pdf

On this Remembrance Day, we pause to reflect and pay tribute to the brave men and women who have served and continue to serve our country. Their courage, sacrifice, and dedication protect the freedoms we hold dear.

We are grateful for their service and commitment. Today, we stand united in remembrance and gratitude.

At Meldrum Horne, we've created a comprehensive hub to help both Plan Administrators and Plan Members make the most of their benefits:

🔹 For Plan Administrators: Access tools, resources, and guidance to streamline benefits management and effectively communicate with your team.

🔹 For Plan Members: Explore resources designed to help you make informed decisions and fully utilize your group benefits.

Whether you're managing a plan or benefiting from one, we're here to support your well-being and ensure peace of mind.

Learn more here: https://meldrumhorne.com/