When buying a new medical or dental insurance policy for your employees, it’s essential that you conduct a basic checklist, so as to ensure that you (and your employees) will be getting good value on your investment.
The first step is to read all the information, details, terms, and “small print” associated with each plan you are considering, to make sure that you’ll get all the features you want, without paying for those you don’t.
After narrowing the playing field in this manner, the best person to ask for detailed “insider” advice is your doctor or dentist. Those who work in the healthcare industry should have a good understanding of the many different options available, and are generally in a good position to share a few handy little pearls of wisdom.
Finally, it is a good idea to get input from the people that matter most of all – your employees themselves. Ask them what features they want and need, and what exact type of coverage they are looking for.
After you have purchased a policy, it is important to continue keeping your employees up to date, issuing Description of Benefits handbooks that detail each patient’s coverage, and keeping workers informed of any changes that may impact their coverage.
Civil Forfeiture and the Standard of Proof
Unlike criminal proceedings, where an accused person must be presumed innocent until proven guilty and only punished once their guilt has been proven beyond a reasonable doubt, civil forfeiture proceedings operate on the balance of probabilities, meaning that the state must merely demonstrate that an individual has probably done something illegal in order to obtain forfeiture of their property.
Democratic Rights: A Broad Charter Guarantee
Democratic Rights, and specifically the right to vote in provincial and federal elections, enjoy broad constitutional protection in Canada, pursuant to Section 3 of the Charter of Rights and Freedoms. This section states that “Every citizen of Canada has the right to vote in an election of the members of the House of Commons or of a legislative assembly and to be qualified for membership therein.”
The Right to Counsel in Canada
Section 10(b) of the Canadian Charter of Rights and Freedoms preserves the right of a detained individual to contact counsel immediately upon arrest or detention, and simultaneously imposes a duty upon police to immediately inform individuals that they have this right.
