June 2011

WELLNESS TIP – If drinking water is not your thing, here are some “water rich” foods that will help keep you well hydrated in the heat; peaches, pineapple, oranges, cucumbers, carrots and bell peppers just to name a few. Not a veggie lover either, well home brewed lemonades and decaffeinated iced teas are also effective to ensure you are being hydrated.

Fill up your water bottle, pack a peach,

cut up some cucumbers and stay cool.

Morrow, Crossdale & Associates Inc.
445 Apple Creek Blvd.
Suite 219
Markham, Ontario
E.G (Ted) Morrow:
Paul Crossdale:
Sean Ross:

The HEAT IS ON…Are you withering away?   You may be dehydrated.

Would you believe that most people today are chronically dehydrated?


do you know how much water your body tends to lose every hour?

One litre! If you’re exercising, that figure can skyrocket to three or even four litres an hour. So do yourself a favour and pour yourself a big glass of water and read on!


What is dehydration? Dehydration occurs when the amount of water leaving the body is greater than the amount being taken in. The body is very dynamic and always changing. This is especially true with water in the body. We lose water routinely when we:

  • breathe and humidified air leaves the body;
  • sweat to cool the body; and
  • urinate or have a bowel movement to rid the body of waste products.

Most of the water is found within the cells of the body (intracellular space). The rest is found in what is referred to as the extracellular space, which consists of the blood vessels (intravascular space) and the spaces between cells (interstitial space).

Total body water = intracellular space + intravascular space + interstitial space

If intravascular (within the blood vessels) water is lost, the body can compensate somewhat by shifting water from within the cells into the blood vessels, but this is a very short-term solution. The body lives within a very narrow range of normal parameters, and signs and symptoms of dehydration will occur quickly if the water is not replenished.Individuals with vomiting and diarrhea can try to alter their diet and use medications to control symptoms to minimize water loss. Clear fluids often recommended as the diet of choice for the first 24 hours, with gradual progression to a BRAT diet (bananas, rice, apples, toast) and then adding more foods as tolerated.


  • Loperamide (Imodium) may be considered to control diarrhea
  • Acetaminophen or ibuprofen may be used to control fever

(It is always important to consult with a physician to ensure you are getting the best treatment)

If the person becomes confused or lethargic; if there is persistent, uncontrolled fever, vomiting, or diarrhea; or if there are any other specific concerns, then medical care should be accessed. Physician consultation is strongly advised.

Let’s think about this…If our body’s weight is to be made up of 75% water,  then we need to consider exchanging that large double-double, for some sunshine and some good old    H2O


Excerpts from: Wellness Billionaire’s Blog 2009/10 and MedicineNet, Inc 1996-2011



MC&A: Insurance Legislation Reviews

Pension Legislation – Summary of Minimum Requirements

Provincial Jurisdiction – Ontario: Pension Benefits Act

Original January 1, 1965/  Reformed January 1, 1987



Eligibility Full time employees- 2 years continuous service

Part time employees – 2 years continuous service and annual earnings at least 35%  or 700 hours worked in each of the 2 consecutive calendar years immediately preceding membership


Minimum Employer Contribution 50% Rule (applies to  Defined Benefit Plans)


At least 50 % of commuted value of pension benefits accrued from January 1, 1987
Employee Excess Contributions Reimbursed
Minimum Interest Rate on Employee Contributions Defined Contribution plan – Fund rate of return based on market value of investmentsDefined Benefit plan – Fund rate of return or the average yield on personal 5 year term deposits with chartered banks over a recent period not exceeding 12 months


Cash Availability at Termination of Employment Plan may provide for refund of –a)     25% of commuted value of deferred pension (pre 1987)

b)     commuted value of pension if total annual pension is not more than 2% of YMPE




Portability at Termination of Employment More than 10 years before normal retirement dateOptions: transfer to another pension plan, a LIRA or a LIF

Purchase of a deferred life annuity contract


Normal Retirement No later than 1 year following 65thbirthday 
Early Retirement Within 10 years of normal retirement age 
Postponed Retirement Membership may continue except if the member is receiving a pension
Pre-Retirement Death Benefit Pre-1987 benefits – No requirementPost-1986 – If surviving spouse, 100% of commuted value of vested benefits (not locked-in). Pre-retirement death benefits may be waived by spouse.

If no surviving spouse or if the member and his/her spouse are living separate and apart, commuted value of vested benefits to the designated beneficiary or failing that, to the estate (not locked in)



Options Available on Pre-Retirement Death Spouse/common law partner: Cash, RPP, RRSP, RRIF, AnnuityDependent child/grandchild; Cash, fixed term annuity to age 18

Other beneficiary: Cash

Post – 1986 benefits only


Post Retirement Death Benefits Joint pension continues at 60% after death of member.  Possibility to waive joint pension by spouse and member within 12 months of pension commencement 
Benefit Splitting Benefits may be split equally between spouses in accordance with a court order or with an agreement on assignment of pension benefit entitlementBenefit splitting may take place only on the member’s normal retirement date or on the date when pension benefits start being paid, whichever comes first


Definition of Spouse The person who is married to a member; orIs not married to the member and who has been living with the member in a conjugal relationship  continuously  for a period of  not less than three years, or who is in a relationship of some permanence if the person and the member are the natural or adoptive parents of a child, both as defined in the Family Law Act



**please note there are other legislative factors that have not been outlined in this table, should need more information, please speak directly with your MC&A group benefit advisor**


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