M BACAL GROUP AND PPI BENEFITS

M Bacal Group www.mbacal.com   understands that as a small business owner, you want your employee benefit plan to help you recruit, retain and engage quality employees but need to stay within your budget.

Your firm could be a candidate for a unique employee benefit platform we and our strategic partner PPI Benefits www.ppibenefits.ca  launched a few years ago specifically designed for companies your size.

It’s an innovative approach to employee benefits. It’s called Thrive 45 It’s new to Canada and provides better value – more for your money!

Who Is It For

  • Small business with less than 50 employees

 What Do We Guarantee

  • Premiums guaranteed to be less than you are currently paying
  • Lower pricing with integrity-not just a low quote with a big renewal!

How We Do It

  • We freeze your administrative expenses for up to three years
  • Insurance companies should not make more on your admin fees because your claims went up nor should brokers make more commission.

Better value with built in features and benefits

  • Workperks from PPI Benefits: Canada’s leading fully managed employee discount program at 1200 retailers in Canada
  • HR a la carte- $1250 of free Hr consulting packages
  • Cancer rider included with ADD
  • Dedicated customer care representative

Simple quotation process- We do not go to market!

 What makes the Thrive 45   platform so compelling is the simplicity of our quotation process. There is no obligation on your part. We don’t go to market, contact your insurance company or disturb the relationship with your broker. All we need is the following:

  • copy of your last renewal
  • copy of your employee booklet
  • last billing statement
  • We also need to know if anyone is currently on disability and if you have any pooled claims.

 

Let Us Protect Your Financial Future

Contact Us

Empower the Enterprising Strength of your Family

Empower the Enterprising Strength of your Family

Does your family run a business? If so, your family enterprise is one of more than 880,000¹ in Canada employing 6 million² people and accounting for a 60% contribution to Canada’s GDP³. As you can imagine, your family enterprise is critical to Canada’s economic and social well-being.

If your family runs a first, second, or even third generation enterprise, unlike other businesses you may face both head and heart issues which can affect planning and decision-making. You may need guidance on strategic succession plans, assistance with generational transitions, educational programs to assist you or other family members build their knowledge and skills, and support from family enterprise experts and peers. How do you handle all this when emotions and family history are a part of the relationship between family members within the business? Separating personal from business issues can be a difficult obstacle unless you equip yourself and your family members with the knowledge and skills to help address them, and strengthen both the family business and family relationships in tandem.

The Family Enterprise Xchange (FEX) is an organization that was created just for families like yours. It empowers enterprising families, and your professional advisors, with a unique blend of shared wisdom and experience and the world’s best, leading-edge thinking and knowledge so that your family and its business can succeed and flourish.

FEX can provide your family with the skills – through global best practices, tools and resources – to propel your enterprise to greatness and navigate your journey, in a trusted community of like-minded peers. This sponsor-free environment is your family’s safe harbour where you can share insights with an engaged and supportive community.

To learn more, visit family-enterprise-xchange.com and click Introduction to view a short video.

¹ CAFE estimate based on 80% of Employer Businesses in Statistics Canada, Business Register, December 2012
² Deloitte study “Are Canadian Family Businesses an Endangered Species”, 1999
³ PWC publication “Securing the Future: Family Business Survey 2014”

LE POUVOIR DE LA PASSION – RETOUR SUR LE DÉJEUNER CONFÉRENCE DE MONETTE MALEWSKI

Par Andréanne Simard, Associée, Structure et Syndication, Desjardins Marché des capitaux et membre du comité développement professionnel

Le 19 janvier dernier, l’AFFQ a eu le plaisir d’accueillir Monette Malewski, présidente et chef de la direction de Groupe M Bacal, lors d’une activité de la série des Déjeuners-conférences de l’AFFQ en partenariat avec BMO. Importante société de courtage d’assurance spécialisée, le Groupe M Bacal est avant tout une entreprise familiale que Monette a su reprendre et faire croître suite au décès de son mari il y a près de 20 ans.

Très généreuse de son temps et du partage de ses expériences personnelles, Monette a su nous faire revivre les moments marquants de sa vie, de son enfance durant la Seconde guerre mondiale, à son arrivée au Canada comme réfugiée et à la reprise de l’entreprise familiale suite au décès soudain de son mari. Elle, qui s’avoue amoureuse de la vie, optimiste et travaillante, nous dit avoir réussi à surmonter tous ces obstacles grâce à une grande force : sa passion. Selon elle, le bonheur et la passion ne sont pas garants d’une vie sans tracas, mais sont plutôt catalyseurs d’opportunités et permettent de réagir rapidement aux défis qui parsèment notre chemin. Cette philosophie semble avoir porté fruit pour Monette, puisqu’elle a aujourd’hui propulsé le Groupe M Bacal à de nouveaux sommets, faisant d’elle l’une des femmes les plus influentes au Canada dans le domaine de l’assurance. À ce sujet, Monette a évoqué les besoins criants d’innovation requis dans ce domaine, dans une ère où les consommateurs exigent souplesse et personnalisation.

Finalement, elle a aussi soulevé l’importance de s’impliquer dans la communauté, allant même jusqu’à dire que la philanthropie est une obligation pour tous et chacun afin d’améliorer le monde.

Rappelons que Monette Malewski a reçu le Prix Inspiration-Andrée Corriveau de l’AFFQ en 2015.

http://static.vousenvoie.com/affq/bulletin/20170307/index.html

AFFQ

Monette Malewski, winner of the Association of Québec Women in Finance Inspiration Andrée Coriveau Award

At the 10th edition of the Gala des Talentueuses, held by the Association of Québec Women in Finance (AFFQ), Monette Malewski, President of M Bacal Group, was honoured to receive the Association’s Inspiration Award.

Under the theme “Les Talentueuses en Avant!”, this annual event highlights the achievements of professional women in the finance sector. This year, Marie-lin Hamel, Associate at National Bank of Canada and winner of the 2011 Relève Award, and Jean-Philippe Décarie, business columnist with La Presse co-hosted the evening. Almost 600 people from the business community were on hand to celebrate the careers, skills and achievements of outstanding women who particularly distinguished themselves over the past year.

Monette Malewski, President of M Bacal Group, was named winner of the Inspiration Award in recognition of her professionalism and exceptional career, which have made her a source of inspiration for many women in business.

Ms. Malewski makes it her priority to develop a relationship of trust with her team and clients. “The success of a family business, more than any other type of organization, is dependent on the people who create and run it. Each of their decisions contributes to the realization of their dreams and the future of their business. They make our world a better place,” she emphasized in her acceptance speech.

A committed board member of a number of organizations, including Investissement Québec, and the International Women’s Forum in Washington where she represents Canada.

The President of M Bacal Group has no shortage of ambition. Her new area of focus? Sharing her experience and values with family businesses!

Certificate

New certification: The FAMILY ENTERPRISE ADVISOR™

The success of a family business depends on the people who create and nourish it.

  • Each of the decisions of the first generation (the founder) has to take into consideration the family dynamics, the ambitions and the potential of each player.
  • Through each of their decisions they transmit their values to the future generation that will continue the family business.
  • Each of their decisions contribute to the realization of their dreams and future of their business, our cities and country. They make the world a better place.

Family enterprise forms the backbone of the Canadian economy, with families owning or controlling an estimated 75% of all businesses.

Their context is very unique. They face distinct business challenges and the interpersonal dynamics. The fundamental principles applied to most businesses simply do not address the unique issues that confront the modern business families.

There is a shortage of specially skilled advisors that can offer advice adapted to the specific needs of business families. The researchers at UBC’s Sauder School of Business pioneered a new field of study aimed at advisors working with entrepreneurial families.

Monette Malewski, President and Chief Executive Officer of M Bacal Group who advices business families, just completed her certification and is accredited as a FAMILY ENTERPRISE ADVISOR™(FEA) , the only designation that specializes in Family Enterprise Advising.

After having perfected her competences and enhancing her understanding of the unique issues facing business families, Monette in working with other professionals in navigating these challenges, can provide greater insight and guidance for multiple generations of entrepreneurial families.

Approach businesses

A new approach to employee benefits adapted for small businesses

  • Do you control your expenses by reducing benefits or do you pay more in premiums?
  • Do you go to the market for a one year saving?
  • Are your group benefits tax efficient?
  • How do you communicate to your employees that their salary increase has just been reduced by the increase in premiums?
  • How do you explain to the under thirty year old that they have to pay more even if they do not appreciate the value of the benefit plan?

In running a small to medium size business, you are not simply looking to put a group benefits or executive benefit plan in place, you want your program to help you recruit, retain and engage quality employees.

M Bacal Group talked to small business owners about their group insurance plans and understood a common thread. They are under constant pressure with their employees benefit plans due to rising drug costs and increased premiums.

Let our team help you enhance your benefit plan, increase the net income of your employees or offer executive coverage for your key employees while staying within your current budget.

M Bacal Group can offer a better overall plan at a lower cost with no surprises at your next renewal! We can freeze your expenses so you will not have to pay the carrier or your broker more money simply because your employees claimed more. Also, we can provide additional benefits and features at no extra cost.

With tax implications at the Federal and Provincial levels, it is important to minimize direct and indirect costs of an employee benefits plan. When was the last time you did a tax audit of your employee benefits plan?

Wellness in the workplace

Wellness in the workplace

Transforming the way employers measure and manage the health of their employees


Productivity at stake

Wellness initiatives like flu vaccinations, CPR training, and ergonomic assessments are a step in the right direction, but they are unlikely to have a meaningful, lasting and sustainable impact.  The incidence of diabetes, heart disease, obesity, cancer and depression continue to rise, robbing organizations of productivity and causing medical costs to escalate. According to the World Health Organization these diseases are largely preventable through proper diet and physical exercise.


You can make a difference

Organizations that build a culture of wellness are reaping great rewards through enhanced productivity, employee engagement and benefit cost containment. According to the 2011 Buffet National Wellness study:

  • In a survey of 650 Canadian businesses, 97% agreed that employee health is directly related to corporate success
  • Towers Watson 2009/10 showed that organizations with highly effective programs report 11% higher revenue per employee.


In reality…a must have

A workplace wellness program should no longer be considered as “nice to have”.  Canada, with a highly skilled, highly trained, highly equipped work-force should be leveraging these assets to better compete with low paid, unskilled economies.

Organizations can and should commit to wellness by developing and following a strategic approach.


A great opportunity

M Bacal Group has partnered with a Canadian company, Foresight Health Incorporated. The objective is to create the healthiest nation by encouraging employees to adopt healthier behavior and encourage employers to facilitate this through the 4 M’s program: Measuring, Monitoring, Motivating and Monetizing.

The equation is obvious:

Healthier employees = less future medical expenses = greater productivity + greater profit


Implementation of the 4 M’s program

M Bacal Group will help you develop and execute a comprehensive wellness plan adapted to your context, including both proactive and reactive healthcare; preventing illness, or when illness strikes, reacting better and faster.

Start with our Health Risk Appraisal (HRA), a powerful tool based on years of research on lifestyle modifiable illnesses and potential risks that individuals may be exposed to through their environment.

  • Each employee answers an on- line questionnaire with various categories of questions including: heart health, physical activity, family medical history, personal health, male and female preventative health, medical history, nutrition and occupational health and safety.
  • Then, each employee receives a Personal Health Report identifying areas of concern of the individual making suggestions for lifestyle changes and clinical interventions.
  • The employer receives an aggregated Health Manager Report, roviding feedback and information on current health risks for the organization. Individual health data remains strictly confidential and unavailable to the employer.

M Bacal Group then provides you with advice on education and how to improve health and well-being in your organization, along with guidelines to target future wellness and physical fitness programs in answer to the most important health problems.

The implementation of the 4 M’s program is extremely simple with very little work required by the employer. The cost is designed to be affordable with little capital outlay and a very reasonable monthly investment.

For more information and a free demonstration please contact us at:

M Bacal Group

Email: info@mbacal.com / Phone 514 769 4643

Les prestations du vivant en quelques chiffres utiles

In this Video, Monette Malewski, President & CEO of M Bacal Group, was interviewed by Finance-Investissement on the subject of Living Benefits (The video is only available in French).

“Alors que les assureurs réduisent leurs garanties et augmentent leurs prix, l’accroissement de l’espérance de vie rend les prestations du vivant plus importantes que jamais. Voici comment Monette Malewski convainc ses clients en quelques chiffres.”

http://video.finance-investissement.com/1640810398001/Les_prestations_du_vivant_en_quelques_chiffres

Dollars to keep, dollars to share, making the most of both

“This country will not be a permanently good place for any of us to live in unless we make it a reasonably good place for all of us to live in.”
– Theodore Roosevelt (1912)

TODAY is the time. Not tomorrow.

Do you have a desire to make a positive difference in the world but don’t feel you can because you aren’t rich or famous? You don’t need to be rich or famous to make a difference in the world everyday.

What thoughts come to mind when you think of a philanthropist?

Philanthropy is defined as “love to mankind; benevolence toward the whole human family; universal good will; desire and readiness to do good to all men “.

So, an everyday philanthropist is someone who gives unselfishly toward the good of humanity.

Don’t let the lack of being a multi-millionaire keep you from improving the world we live in. It is not necessary to be worth millions to make a difference. There are many avenues you can take to connect with the causes that you feel most passionate about.

Many people, like yourself, have created wealth through their own ingenuity and efforts and have the greatest interest in integrating into their lives the things they are the most interested in.

An increasing number of wealth holders are no longer focusing exclusively on accumulating more wealth. They are beginning to look at using wealth as a tool to achieve higher purposes.

Philanthropy is more central to their lives. They wish to offer their creative skills as much to their giving as they have to their professions or businesses.

Key trends in philanthropy are;

  • Self-directed giving through private foundations or donor advised funds
  • Integration of giving and taxable/estate planning

Canadian private foundations and public foundations with donor-advised funds have assets of more than $16 billion and are the fastest growing charity category.

People are combining 2 essential elements in their daily lives…

  • Personal capacity – whether intellectual, creative or financial
  • Moral compass – an array of purposes, aspirations and long-term goals to which they choose to devote their capacity.

Giving has never given people so much

We human beings are complex, beautiful, unique creatures. Our individual life experiences make up a collection of memories, perceptions, patterns and emotions. There is no formula for determining why we do the things we do. Which is in part why modern day philanthropy offers a wealth of creative, new ways to think about estate planning and charitable giving.

The past decade has witnessed significant changes in the tax rules governing charitable giving. The changes to these tax rules has in turn opened the door to new planning strategies that create benefits for those individuals who want to make a meaningful gift.

Planned giving is about matching individual donors’ tax and estate planning with their philanthropic ideas. It refers to increasing the amount of gifts through a systematic, focused and personalized program.

People become interested in planned giving when they believe that their gifts will impact the cause they believe in, they trust the organizations leadership, and have assets to give.

Philanthropists are special people who want to make social capital investments (charitable gifts) in the most effective way possible. Their social capital investment decisions are consistent with their values and objectives.

Philanthropists need to be guided to make the right gift, at the right time, to the causes of their choice.

The decision as to which vehicle to use is personal and should be decided with the help of an expert in the field, consultants like M Bacal Group. There is nothing more satisfying in planned giving then when people, purpose and plan come together.

The highest use of capital is not to make more money, but to make money do more for the betterment of life.