Enlightened Benefits Consulting

BUILT ON EXPERTISE. DRIVEN BY SERVICE. GROUNDED IN INTEGRITY.

EMPLOYER INSIGHTS

We share practical, employer-focused insights designed to help you navigate an evolving insurance landscape with greater clarity.

Whether you're responding to emerging trends, regulatory developments, or changing workforce priorities - we translate complex issues into clear, relevant perspectives that support informed decision-making and stronger organizational outcomes.

Health & wellness illustration of a glass jar filled with coins on a table beside a notebook, pen, and budget and pay stub documents.

Supporting Financial Wellness at Work

Financial wellness is more than pay. Here's how workplace practices, benefits, and education together support employees' financial wellbeing.

Christine Leskun

Sep 182 min read

Group retirement illustration of an investment portfolio statement with a pie chart and fund pages fanned out on a desk, beside a calculator, notebook, and coffee mug.

Investment Options Explained

A group retirement plan can offer several types of investment options. Here's how target date, target risk, and individual funds work.

Christine Leskun

Sep 42 min read

Group benefits illustration of a prescription drug bag and a benefits card on a pharmacy counter, with medication shelves in the background.

Understanding Alberta’s Bill 11

Alberta's Bill 11 takes effect October 1, 2026. Here's an update on the age-based and payor changes, and what they mean.

Christine Leskun

Aug 216 min read

Individual insurance illustration of four business owners reviewing documents around a boardroom table with a Calgary city skyline in the window behind them.

Buy-Out Insurance

A shareholders' agreement can include buy-sell provisions - disability insurance can fund a buyout on disability. Here's how it fits for business owners.

Christine Leskun

Aug 73 min read

Health & wellness illustration of a person jogging on a path with trees and the Vancouver cityscape in the background.

Supporting Physical Health at Work

Physical health is where prevention shows up most. Here's how workplace conditions and benefits together support employees' physical wellbeing.

Christine Leskun

Jul 242 min read

Group retirement illustration of a small rowboat tied to a dock on a calm mountain lake at sunrise.

Understanding RRIFs

As retirement nears, savings must become income. Here's how a RRIF works - and the rules HR and payroll should understand for group RRSPs.

Christine Leskun

Jul 103 min read

Group benefits illustration of a simple dental office with a dentist's chair beside a window.

The Canadian Dental Care Plan

The Canadian Dental Care Plan expanded in 2025 - but access to workplace coverage affects eligibility. Here's what it means for employers.

Christine Leskun

Jun 263 min read

Individual insurance illustration of two business partners shaking hands at a construction site suggesting an agreement between co-owners.

Buy-Sell Insurance

A shareholders' agreement can include buy-sell provisions - life insurance is a way to fund a buyout on death. Here's how it fits for business owners.

Christine Leskun

Jun 123 min read

Health and wellness illustration of a calm office breakout space with a comfortable armchair beside a large window looking out onto trees.

Supporting Mental Health at Work

Mental health is now central to how workplaces operate. Here's what genuinely supports it at work - and why it takes more than adding a benefit.

Christine Leskun

May 292 min read

Group retirement illustration of a charming first home with the house and a "Sold" sign on the front lawn, set on a tree-lined street.

What is the First Home Savings Account?

A group retirement program isn't only about retirement. Here's how the First Home Savings Account helps employees save for a first home - and why it fits.

Christine Leskun

May 153 min read

Group Benefits illustration of the Alberta Legislature Building against an Edmonton skyline.

Preparing for Alberta's Bill 11

Alberta's Bill 11 will reshape how group benefit plans coordinate with public coverage. Here is what it changes, and what employers should consider before it takes effect.

Christine Leskun

May 13 min read

Individual insurance illustration of a modern executive office overlooking the Calgary skyline, with a single empty desk chair as the focal point.

What is Key Person Insurance?

Most businesses insure their premises - but not the person who drives the company. Here is what key person insurance covers, and who it's for.

Christine Leskun

Apr 173 min read

Health and wellness illustration of five stone puzzle pieces interlocking into a single whole, with a glowing light radiating from the center where they connect, set on a coastal cliff overlooking the ocean.

Is a Workplace Wellness Program Worth It?

Is a wellness program worth the investment? It can be - but only when it's built well. Here is what makes the difference between one that works and one that fades.

Christine Leskun

Apr 33 min read

Group retirement illustration of two stone paths diverging at a signpost, one marked RRSP and the other TFSA, set against a mountain valley landscape.

The Differences Between an RRSP & TFSA

"What's the difference between an RRSP and a TFSA?" A common question from employees - here is how the two accounts compare, and what sets them apart.

Christine Leskun

Mar 202 min read

Group benefits illustration of a Claims Experience Report with charts and graphs resting on a boardroom table.

What Your Claims Experience Reveals

Your renewal shouldn't be the first time you see how your plan's costs have shifted. Here are five areas a thorough claims review reveals - and why they matter.

Christine Leskun

Mar 63 min read

Individual insurance illustration showing a protective foundation and pathway toward financial security and peace of mind.

The Personal Layer of Protection

Group benefits give every employee a strong foundation - but as life changes, some will want more than a shared plan provides. Here is how individual coverage helps.

Christine Leskun

Feb 202 min read

Health and wellness illustration showing five pillars of wellbeing: mental, physical, financial, social, and career.

The Five Dimensions of Wellbeing

Employee wellbeing spans five dimensions - mental, physical, financial, social, and career. Here is what each covers, and why they work best together.

Christine Leskun

Feb 63 min read