Yorkminster Insurance Brokers Ltd.

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For the rest of us, don’t overlook your Community Foundation. Many communities have them. Often a way to memorialize a loved one is to establish a fund within your community foundation. Such funds within the foundation can operate just like a mini private foundation. It might make provision for a tree to be planted, for a park bench to be provided and maintained, for lighting or paving of a quiet path, a gazebo, to provide an annual free concert in the park. Many organizations have a sort of community foundation.

A viable alternative to dental insurance, and to pick up any slack not paid for by the medical insurance company, is a Health and Welfare Trust. For this you need to be self-employed, or virtually self-employed. You pay a fee to the trustee for managing the claims. You pay the medical and dental expenses yourself. You submit the claim to your company who then sends them to the trustee along with its cheque to cover the cost plus the trustee fee. This is a deductible expense for the company.

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