{"id":1956,"date":"2024-10-25T11:52:12","date_gmt":"2024-10-25T15:52:12","guid":{"rendered":"https:\/\/johnstonesbenefits.com\/clients\/ila\/?p=1956"},"modified":"2024-09-25T11:52:21","modified_gmt":"2024-09-25T15:52:21","slug":"sustainability-of-benefit-costs","status":"publish","type":"post","link":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/","title":{"rendered":"Sustainability of Benefit Costs"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-2d9bbcf79d50a3601923aa8844f713a6\">\n#top .av-special-heading.av-av_heading-2d9bbcf79d50a3601923aa8844f713a6{\npadding-bottom:10px;\nfont-size:4vw;\n}\nbody .av-special-heading.av-av_heading-2d9bbcf79d50a3601923aa8844f713a6 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-2d9bbcf79d50a3601923aa8844f713a6 .av-special-heading-tag{\nfont-size:4vw;\n}\n.av-special-heading.av-av_heading-2d9bbcf79d50a3601923aa8844f713a6 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-2d9bbcf79d50a3601923aa8844f713a6 av-special-heading-h2 blockquote modern-quote  avia-builder-el-0  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >The Journal<\/h2><div class='av-subheading av-subheading_below'><p>Solid Group Plans Made Simple<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='hr av-av_hr-f04ef840c2b66cff6c43fead44ee8d66 hr-default  avia-builder-el-1  el_after_av_heading  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m1i1m1ot-d62902f8731290e8899f485485b8e8df\">\n#top .av-special-heading.av-m1i1m1ot-d62902f8731290e8899f485485b8e8df{\npadding-bottom:10px;\ncolor:#c4a106;\nfont-size:3vw;\n}\nbody .av-special-heading.av-m1i1m1ot-d62902f8731290e8899f485485b8e8df .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-m1i1m1ot-d62902f8731290e8899f485485b8e8df .av-special-heading-tag{\nfont-size:3vw;\n}\n.av-special-heading.av-m1i1m1ot-d62902f8731290e8899f485485b8e8df .special-heading-inner-border{\nborder-color:#c4a106;\n}\n.av-special-heading.av-m1i1m1ot-d62902f8731290e8899f485485b8e8df .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m1i1m1ot-d62902f8731290e8899f485485b8e8df av-special-heading-h2 custom-color-heading blockquote modern-quote  avia-builder-el-2  el_after_av_hr  el_before_av_hr  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Sustainability of Benefit Costs<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_hr-8ddc7023771561a08c2d1878cbb01bdc\">\n#top .hr.hr-invisible.av-av_hr-8ddc7023771561a08c2d1878cbb01bdc{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-av_hr-8ddc7023771561a08c2d1878cbb01bdc hr-invisible  avia-builder-el-3  el_after_av_heading  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_full-7688609b370c0fc22d37f41de2668996\">\n.flex_column.av-av_one_full-7688609b370c0fc22d37f41de2668996{\nborder-radius:0px 0px 0px 0px;\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_full-7688609b370c0fc22d37f41de2668996 av_one_full  avia-builder-el-4  el_after_av_hr  avia-builder-el-last  first flex_column_div av-zero-column-padding '   ><section  class='av_textblock_section av-m1i1mtof-7488c25c9d2cedc0a112f54b1977ec90'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><a href=\"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-content\/uploads\/2024\/09\/2024_10-Sustainability-of-Benefit-Costs.pdf\" target=\"_blank\" rel=\"noopener\">Click here to download pdf<\/a><\/p>\n<p><strong>Benefits Canada Healthcare Survey<\/strong><\/p>\n<p>Benefits Canada has recently released its 27th annual Healthcare Survey. The magazine\u2019s Editor, Jennifer Paterson, had interesting opening comments about the results of this year\u2019s survey, citing that while there have been some \u201cinklings that plan sustainability was on sponsors\u2019 minds\u201d the past few years, the story of this year results was \u201cif those were the gathering clouds, then this year\u2019s results indicate the storm is upon us\u201d.<\/p>\n<p>The survey is very comprehensive, and we do not want to simplify the extent of the results. And of course, there are many factors driving this year\u2019s plan sponsors\u2019 responses, including post-pandemic issues (employee disconnection), stress on public health plans, etc. So we will review it in more detail to provide some specific topics of interest in future Johnstone\u2019s Journals for our clients.<\/p>\n<p>However, we did note that one of the ten key takeaways from the results of the survey was that \u201cplan sponsors are clearly attempting to balance competitive plans that support employees\u2019 health and wellness against cost concerns. Three in four consider the plan highly important, but four in five are experiencing challenges in the current economic climate\u201d, noting that \u201csustainability concerns account for four of the top five challenges\u201d for health benefit plans.<\/p>\n<p><strong>Effective Strategies<\/strong><\/p>\n<p>An effective strategy to contain or maintain sustainability of costs for group insurance benefits can take many forms, including a review of the plan\u2019s design, designing effective employee communications, and recognition of improvements to insurer initiatives and tools. Benefit plans that are well designed and well communicated can benefit employees as well as employers.<\/p>\n<p><strong>Plan design<\/strong><\/p>\n<p>Benefit plan components that are often reviewed include:<\/p>\n<ul>\n<li>Cost sharing arrangements<\/li>\n<li>Co-insurance percentages and deductibles<\/li>\n<li>Specific benefit maximums, such as annual maximums for basic and major dental, paramedical practitioners, prescription drugs, etc.<\/li>\n<li>Frequency limits for basic dental services while maintaining good dental health for the employee and their family (ie. 9 months recall exams rather than every 6 months)<\/li>\n<li>Prescription drug formularies \u2013 paying for generic and\/or lowest cost alternative drugs rather than name-brand drugs; and dispensing fee limits<\/li>\n<li>Physician referrals and practitioner qualifications, ensuring the benefit is paying only for medically necessary services<\/li>\n<li>Pooling limits which protect plans against high-cost claims, including high-cost prescription drugs<\/li>\n<\/ul>\n<p><strong>Effective employee communications<\/strong><\/p>\n<p>Effective employee communications will encourage employees to understand their plan\u2019s benefits as well as limits, and to know ahead of purchasing goods or services what they will be paying for out-of-pocket. It\u2019s also beneficial for employees to have broad group insurance information so they understand the whole picture of how their organization\u2019s benefits plan fits within government and other private programs.<\/p>\n<p>Johnstone\u2019s Benefits assists plan sponsors in developing the communication strategy, and directly provides employee communications, including plan booklets, benefit statements and online tools to build knowledgeable consumers of group benefits.<\/p>\n<p><strong>Insurer websites and tools<\/strong><\/p>\n<p>Most insurers have mobile apps which allow employees to check eligibility for coverage and manage claims on their smart phone \u2013 greatly increasing accessibility to plan information. In addition, many insurers, have created an online tool with geo-mapping technology that plan members can use to compare pharmacy drug prices and dispensing fees, as well as locations of Preferred Pharmacy Network (PPN) providers and pharmacies, offering real-time Special Authority approval confirmations.<\/p>\n<p>Employees in BC can help control benefit costs by accessing PharmaCare\u2019s Special Authority Program for approval confirmations on certain limited coverage prescription drugs, allowing for quicker access to medication and eliminating unnecessary out-of-pocket costs or delays in reimbursement.<\/p>\n<p><strong>Other Effective Plan Design Features<\/strong><\/p>\n<p><strong>Reasonable and customary (R&amp;C) limits<\/strong><\/p>\n<p>One of the built-in cost management principles used by group insurers is to reimburse health expenses at the usual, what they deem \u201creasonable\u201d, costs to keep group benefits affordable, applying safeguards against excessive, inappropriate, and fraudulent claims by applying dollar and frequency limits for specific products and services.<\/p>\n<p>Insurers determine R&amp;C limits based on information they receive from industry-specific professional organizations, such as physiotherapy, chiropractic, and massage therapy, as well as dental fee guides, and average fees and typical mark-ups based on the geographical area. R&amp;C limits incent providers to keep their costs competitive and incent consumers to shop around for their best deal.<\/p>\n<p><strong>Dental fee guides<\/strong><\/p>\n<p>Each provincial dental association sets a fee guide for dental procedures, which some dentists follow, and others exceed. Consumers can select their preferred dentist based on their understanding of what their dentist will charge, and what will be covered by the dental plan.<\/p>\n<p><strong>Pre-authorizations\u00a0\u00a0\u00a0\u00a0<\/strong><\/p>\n<p>Both extended health and dental plans require pre-authorizations for complex and\/or high-cost expenses. Some dental procedures can be quite expensive, and there may be alternate procedures that are covered more fully by the dental plan. Also, medical equipment and supplies can be complex, as often the cost and eligibility for such expenses may be specific to the patient\u2019s medical condition.<\/p>\n<p>By submitting the proposed expenditure to the insurer first, the service provider can provide the consumer information on exactly what will be covered by the plan.<\/p>\n<\/div><\/section><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1956","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Sustainability of Benefit Costs - Johnstone&#039;s Benefits<\/title>\r\n<meta name=\"description\" content=\"Johnstone&#039;s Benefits provides simple employee insurance benefit programs for large and small business.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Sustainability of Benefit Costs - Johnstone&#039;s Benefits\" \/>\r\n<meta property=\"og:description\" content=\"Johnstone&#039;s Benefits provides simple employee insurance benefit programs for large and small business.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Johnstone&#039;s Benefits\" \/>\r\n<meta property=\"article:published_time\" content=\"2024-10-25T15:52:12+00:00\" \/>\r\n<meta name=\"author\" content=\"jbadmin\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jbadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/\"},\"author\":{\"name\":\"jbadmin\",\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/#\\\/schema\\\/person\\\/45a025705ee9a07b947eac0dc3435375\"},\"headline\":\"Sustainability of Benefit Costs\",\"datePublished\":\"2024-10-25T15:52:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/\"},\"wordCount\":1260,\"commentCount\":0,\"articleSection\":[\"News\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/\",\"url\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/\",\"name\":\"Sustainability of Benefit Costs - Johnstone&#039;s Benefits\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/#website\"},\"datePublished\":\"2024-10-25T15:52:12+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/#\\\/schema\\\/person\\\/45a025705ee9a07b947eac0dc3435375\"},\"description\":\"Johnstone's Benefits provides simple employee insurance benefit programs for large and small business.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/sustainability-of-benefit-costs\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Sustainability of Benefit Costs\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/#website\",\"url\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/\",\"name\":\"Johnstone&#039;s Benefits\",\"description\":\"Just another WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/#\\\/schema\\\/person\\\/45a025705ee9a07b947eac0dc3435375\",\"name\":\"jbadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/85eb82c1796a0e07ac3402c4698b788b9bfb9ad1b74ab08f3d0d801c3dd37f65?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/85eb82c1796a0e07ac3402c4698b788b9bfb9ad1b74ab08f3d0d801c3dd37f65?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/85eb82c1796a0e07ac3402c4698b788b9bfb9ad1b74ab08f3d0d801c3dd37f65?s=96&d=mm&r=g\",\"caption\":\"jbadmin\"},\"sameAs\":[\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\"],\"url\":\"https:\\\/\\\/johnstonesbenefits.com\\\/clients\\\/ila\\\/author\\\/jbadmin\\\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Sustainability of Benefit Costs - Johnstone&#039;s Benefits","description":"Johnstone's Benefits provides simple employee insurance benefit programs for large and small business.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/","og_locale":"en_US","og_type":"article","og_title":"Sustainability of Benefit Costs - Johnstone&#039;s Benefits","og_description":"Johnstone's Benefits provides simple employee insurance benefit programs for large and small business.","og_url":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/","og_site_name":"Johnstone&#039;s Benefits","article_published_time":"2024-10-25T15:52:12+00:00","author":"jbadmin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jbadmin","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/#article","isPartOf":{"@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/"},"author":{"name":"jbadmin","@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/#\/schema\/person\/45a025705ee9a07b947eac0dc3435375"},"headline":"Sustainability of Benefit Costs","datePublished":"2024-10-25T15:52:12+00:00","mainEntityOfPage":{"@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/"},"wordCount":1260,"commentCount":0,"articleSection":["News"],"inLanguage":"en-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/","url":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/","name":"Sustainability of Benefit Costs - Johnstone&#039;s Benefits","isPartOf":{"@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/#website"},"datePublished":"2024-10-25T15:52:12+00:00","author":{"@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/#\/schema\/person\/45a025705ee9a07b947eac0dc3435375"},"description":"Johnstone's Benefits provides simple employee insurance benefit programs for large and small business.","breadcrumb":{"@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/sustainability-of-benefit-costs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/johnstonesbenefits.com\/clients\/ila\/"},{"@type":"ListItem","position":2,"name":"Sustainability of Benefit Costs"}]},{"@type":"WebSite","@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/#website","url":"https:\/\/johnstonesbenefits.com\/clients\/ila\/","name":"Johnstone&#039;s Benefits","description":"Just another WordPress site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/johnstonesbenefits.com\/clients\/ila\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Person","@id":"https:\/\/johnstonesbenefits.com\/clients\/ila\/#\/schema\/person\/45a025705ee9a07b947eac0dc3435375","name":"jbadmin","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/secure.gravatar.com\/avatar\/85eb82c1796a0e07ac3402c4698b788b9bfb9ad1b74ab08f3d0d801c3dd37f65?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/85eb82c1796a0e07ac3402c4698b788b9bfb9ad1b74ab08f3d0d801c3dd37f65?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/85eb82c1796a0e07ac3402c4698b788b9bfb9ad1b74ab08f3d0d801c3dd37f65?s=96&d=mm&r=g","caption":"jbadmin"},"sameAs":["https:\/\/johnstonesbenefits.com\/clients\/ila"],"url":"https:\/\/johnstonesbenefits.com\/clients\/ila\/author\/jbadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/posts\/1956","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/comments?post=1956"}],"version-history":[{"count":1,"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/posts\/1956\/revisions"}],"predecessor-version":[{"id":1958,"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/posts\/1956\/revisions\/1958"}],"wp:attachment":[{"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/media?parent=1956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/categories?post=1956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-json\/wp\/v2\/tags?post=1956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}