Group Insurance Benefits Nova Scotia

Give your team the protection they deserve.

Employees are a company’s greatest asset. The smartest thing an entrepreneur can do to attract and retain the top talent is to offer them benefit packages. Every successful business owner would vouch for this and every far-sighted entrepreneur would make it their priority investment.

Group insurance benefits are directly proportional to the success of a business. Cutting costs and saving expenses must never include group insurance because once your invaluable employees begin quitting, no one can quite replace their talent. Fortunately for startups and small businesses in Nova Scotia, they can find the most suitable group benefits on a limited budget with McIver Insurance. Our sole purpose is to take care of our clients, as they take care of their employees.

Why Use an Employee Benefits Brokerage?

Benefits: Your #1 Tool to Attract and Retain Talent

These are the people you need in your corner when you are trying to find a fitting group benefit plan for your firm. An employee benefits brokerage would give priority to your demands and find a solution that meets them. In contrast, if a business approaches a carrier directly, it’d have to compromise and meet the demands of the insurance carriers.

At McIver Insurance, we not only make sure that your initial costs are low, but we also look at the long-term effectiveness of the policy and make sure to choose the most relevant one for your company.

Employee benefits brokers are those who specifically specialize in employee benefits. Furthermore, they remain informed on all the insurance carriers in their locality, the range of insurance policies, and their specific costs and benefits. These are the people you need in your corner when you are trying to find a fitting group benefit for your firm. An employee benefits brokerage would give priority to your demands and find a solution that meets them. In contrast, if a business approaches a carrier directly, it’d have to compromise and meet the demands of the insurance carriers.

Benefits: Your #1 Tool to Attract and Retain Talent

Reasons you need Employee Benefits

Retain and Attract Top Talent

When an employee chooses a company to stay in, they aren’t just looking at the monthly paycheck, but at a lot of things. One of the biggest incentives for people to stay in a company for a long time is the benefits that come with it. And what’s more, new talents are also attracted to a business for the very same reason. Health coverage, dental coverage, a good environment, and peace of mind is what increases employee satisfaction level and decreases turnover. As a business, you can provide it all to your employees, via attractive group benefits.

Protect Your Most Important Asset

Many people learn skills, but talent and experience are invaluable and that’s what makes the employees important. As a business owner, your employees’ satisfaction and their health are your top priority. It’s no doubt that Canada’s national healthcare program has one of the best medical coverage, but some situations and events make it fall short. To fill in the protection gap and to ensure that your employees and their dependents are protected is a smart move. When you provide comprehensive coverage for employees, they are hard-pressed to switch to a new workplace.

Maintain High Levels of Productivity

We believe in the fact that happy employees make productive employees, and business owners, the world over, will agree with us. Happiness, at its core, is related to peace of mind. When you offer extended health benefits, life insurance plans, and dental coverage to your employees, they live their life with the knowledge that they and their loved ones are well taken care of. Additionally, if they ever feel down, suffer from mental illness, or physical pain, they have the sources to get the help they need. In turn, you get happy and focused employees at work, every day.

Build a High Level of Morale and Loyalty

Human nature is simple. You look out for someone, and they’d look out for you. When you genuinely care and offer excellent insurance coverage for employees, they’d notice and remember that. This builds an environment of trust and loyalty between the employers and the employees, which further leads to a very positive work environment. When there is such a high level of morale within a company, success is inevitable and so is the long-term retention of employees. On the contrary, disregard for employees and lack of concern for their well-being breeds a culture of negativity and mistrust between the two parties.

Benefits for Small Business by Medavie Blue Cross

Designed for 2-10 Employees

Benefits for Small Business is an affordable health & dental plan for companies with 2-10 employees giving them the protection they need and expect while maintaining cost-efficiency for business owners

Comprehensive life benefit plans at competitive price ranges in Nova Scotia
Extended health benefits include vision care, dental care, disability coverage, prescription drug, travel insurance, and more.
Choose from three plan options, Entry, Essential & Enhanced.
You are pooled with other small businesses
No deductibles or lengthy medical forms required
Completely digitized process for ease-of-access and convenient on-the-go application and claims
No middle-man needed for payment of claims
Gain access to virtual health care facilities at your preferred rates
Straightforward activation process so that your undivided attention stays on your business
An option to choose the health-spending account and employee-paid optional coverage

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Group Insurance Benefits Nova Scotia - Mciver Insurance Halifax

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Employee Group Benefits Products

Extended Health Care Benefits

Vision Care / Optometric Services
Hearing Aids
Orthotics
Ambulance Coverage / Medical Emergency
Semi-private room / Hospital Services
Medical Equipment Expenses
Accidental Dental
Practitioner Services (Physio, Massage, Chiro etc.)
Medical Travel Insurance (Out of Country)
Employee Assistance Programs

Drug Coverage

Prescription Drug Coverage
Birth control
Smoking cessation
Fertility Drugs
Allergy Serum
Vaccines

Dental Coverage

Dental exam & cleaning
X-Rays
Fillings
Extractions
Root Canals
Periodontal services
Major Dental
Orthodontics

Have questions on how it all works?

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Group Benefits NOVA SCOTIA FAQS

What is the minimum amount of employee's to form a group plan?
How do renewal's work in group benefits?

Group benefit renewals are calculated based on how the plan was used over the past 24 months. Health and dental are experience‑rated, so your actual claims directly affect pricing. Insurers often target a 70% loss ratio after trend and administration charges, meaning they expect about $0.70 in claims for every $1.00 in premium. If claims come in higher than that target, rates typically increase; if they’re lower, there’s room for a decrease. I negotiate on your company’s behalf. Pooled benefits like life, LTD and AD&D aren’t affected by claims and renew based on demographics.
Do all carriers bill direct?
Group Insurance Benefits Near Me
How do I get a quote? how does pricing work?

To get a quote, you need to contact McIver Insurance and provide some documents about your company and your employees. Then, the carriers will offer you a quote based on your preferred plan design. For Blue Cross, the Benefits for Small Business plan has fixed rates for groups under 10 members.
Is Vision Care Services included?
Why Use an Insurance Broker for your Group Plan?

Trusting the right insurance broker in Halifax is important. Getting the right health insurance plan specifically for your team has to be first in mind. At McIver Insurance, we work closely with you to ensure you’re building the right private health insurance package for your employees.
Is there medical evidence in group insurance?

In group insurance, medical evidence is typically not required for employees to be eligible for coverage. This is one of the key features that makes group insurance plans accessible. Employees are automatically eligible for coverage, provided they work the minimum number of hours and satisfy the waiting period
What are the core components of a group plan?

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What impressed me most was how responsive and personable Pat was. He made what can often be a complicated and stressful process feel simple and straightforward. I never felt pressured, and I felt that he genuinely had my best interests in mind.
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 Trustindex verifies that the original source of the review is Google. Pat was both helpful and patient. He walked me through the insurance options and helped me see the pros and cons of each. He also reached out to NS Health on my behalf to get my questions answered. Lastly, he made the application process as easy as possible. I definitely recommend him!