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What Are the Benefits of a PHSP? Health Articles | March 16 , 2011
Anyone who owns his or her own company--from those employing several individuals to a sole proprietorship with a staff of just one--really should consider a PHSP or Private Health Services Plan. This ...
Anyone who owns his or her own company--from those employing several individuals to a sole proprietorship with a staff of just one--really should consider a PHSP or Private Health Services Plan. This plan is different from a traditional type of insurance coverage but it does allow you to convert your health and dental expenses into tax-deductable expenses under the Canadian Income Tax Act. This occurs because the Act provides the option for employers to be able to complete these types of deductions as long as the payments are made through a recognized benefits plan.
There are several different terms used for a PHSP. These can include health trust, health spending accounts or a health and welfare trust. Depending on the company that is offering the plan the name and the features or benefits offered under the plan will vary. Many of the best plans offer a system where you actually pay-per-claim, without the need for monthly premiums. This allows businesses to save on those monthly premiums with no claims; it is truly a user friendly system with no hidden charges or costs , just a flat rate on each claim.
In essence a properly structured and administrated plan will allow you, as the employer, to be considered the insurer for your employees. As such you can reimburse them for their dental , medical and therapeutic claims providing these claims follow some very simple guidelines. If you are an employee of the company the same applies to your medical costs that are not covered by other insurance. Reimbursements that you make as the company are tax deductable and the employee's medical expenses will likewise be non-taxable. For sole proprietors and family owned businesses this is a true benefit for both the business owner and an employee of the business.
Another important feature of this type of plan is that they don't charge a monthly premium. This is very different from traditional insurance. Once you have applied for a plan and have been accepted, there is no waiting period to make a claim and you don't have to pay any ongoing fee to be able to submit a claim and receive a reimbursement. Instead these programs are designed to be user funded, in other words when you make a claim you play a very small administrative fee , with no other hidden or reoccurring costs. This means if you don't make a claim for a year, you have spent absolutely no money.
Benefits to a PHSP include a very simplified claims form process for what insurance companies may require. You can even use it to cover the difference between what the insurance company covers for dental, therapeutic or alternative types of treatments provided by a licensed medical professional. You don't need to have prior approval and you can submit claims up to the limits set out within the policy. Simple paperwork , lots of flexibility and the peace of mind to know that additional medical expenses won't be hanging over your head can really help in already challenging times.
Finding out about the benefits of a PHSP for your small or medium-sized business is well worth your time. The Internet provides basic information but you can also call in and speak with an agent or representative to make sure that you get all your questions answered before making your decision.
7 Basic Blogging Principles Technology Articles | January 29, 2009
Making money with blog should come natural. When you are developing your blogging business, you need to blog about things that you are interested about and taking the tips in this article as reference...
Many people have leverage on the idea of making money with blog and build their fortune online. Since you are interested to make money with blog , you need to give attention to this article. These basic blogging principles will help you to build your blogging success.
1. Be personal
You must let your readers feel like you are talking to them. And no matter how complicated the subject is, you need to be as layman as possible. You are taking away the fun of reading a blog when your readers need to constantly check the dictionary to know what you are talking about.
2. People first
Successful bloggers know that they need to put the readers as priority instead of search engine. You need to talk about topics that your readers are interested in and related to them. The more you link topics to them, the more likely your readers will come back for more information. After all , it is your readers who help you to make money with blog and not the search engine.
3. Passion
Let's think about this, what makes you so excited that you can't stop sharing with others? Your favorite topic, of course. A lot of bloggers forget the basic of blogging is to blog about something you are really interested in. They always go for the profitable topic even when they know nothing about it.
You will have more difficulty blogging when you are going for the money. Rich bloggers understand that as long as you share your passion , the money will follow.
4. Posting frequency
Rich bloggers also understand that to make money with blog, you need to post frequently. Some bloggers though that a 2000 words blog post is going to impress the readers. However, a person's concentration is very short span.
You are actually stressing your readers with a long post. When you are having too many things to say , you can break it down to a few parts and make it a few days posting.. |
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