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Group Insurance Benefits Nova Scotia(1)
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Group Insurance Benefits Nova Scotia

Give your team the protection they deserve.

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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.

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.

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Why Use an Employee Benefits Brokerage?

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 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, by Medavie Blue Cross Halifax.

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.

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, by Medavie Blue Cross Halifax.

Why Use an Employee Benefits Brokerage - Mciver Insurance Halifax NS

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 two plan options, Entry or Essential.
  • 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
Group Insurance Benefits Nova Scotia - Mciver Insurance Halifax

 Plan Options

Choose from two coverage options

Entry

Life Insurance

Accidental Death & Dismemberment

Extended Health Care

Prescription Drugs

Dental Coverage

Travel

Essential

Life Insurance/AD&D

Extended Health Care

Prescription Drugs

Dental Coverage

Long Term Disability

Travel

Request a FREE Quote

Additional Features

What will your employees get?

Blue Cross Mobile App

Submit claims with a photo, search drug and prescription details, use the mobile ID card & much more.

Blue Advantage

Great discounts on a variety of health related products & services 

My Good Health

Customized health advice and information including an assessment tool for an overall health snapshot

Second Opinion

In case of a serious illness, members and their dependents can have their medical files reviewed by world class medical specialists

Health Spending Account

Eligible health expenses can be submitted through the HSA 

Employee Group Benefits Products

Life Insurance Coverage

A life insurance plan offers a tax-free amount to the family in the case the employee suffers from an untimely/unexpected death 

Accidental Death & Dismemberment

Accidental Death and Dismemberment (AD&D) Insurance allows the dependents and the family of the employee to get back on their feet and become financially strong in the event of accidental death of the employee. This insurance keeps the family financially covered.

Dental Coverage

Dental coverage offers an 80% reimbursement for all basic dental procedures. Major dental surgeries and restoration procedures are only included in the essential plans and are not covered in the entry-level plans. 

Prescription Drugs

Prescription drug benefits cover the cost of qualified prescription drugs, which includes a maximum coverage of $3,000 under the entry plan & $5,000 under the essential plan per person per year with an 80% reimbursement level. The prescription drug cap is for Benefits for Small business plans, with a traditional benefit plan of more than 10 employees you can have unlimited drug coverage & all customization options available to suit your benefit requirements

Travel

Be it business or personal, your employees need safety and protection every time they travel. Travel Insurance plans offered by McIver Insurance include: 

  • 100% Reimbursement level 
  • Travel maximums
  • Out of country referrals 
  • Trip cancellation and interruptions
Mciver Insurance - Medical Care - Halifax Group Benefits

Extended Health Care

The extended healthcare plan offered by Medavie Blue Cross Halifax provides the following coverage:

  • Ground and air ambulance service anywhere in Canada
  • Diagnostic tests and reports
  • Hearing aids 
  • Medical bills for the treatment of chronic diseases
  • Nursing care 
  • Oxygen 
  • Prescription Drugs
  • Dental care needed in case of an accident
  • Custom orthodontics and orthopedic shoes
  • High-quality medical equipment 
  • Cost of hospitalization 
  • Mobility aids and orthopedic 
  • Prostheses
  • Miscellaneous medical services and supplies

Have questions on how it all works?

Group  Benefits Halifax FAQS

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Amherst / Antigonish / Bedford / Bridgewater / Chester / Coleharbor / Dartmouth / Digby / East Hants / Halifax / Liverpool / New Glasgow / New Minas / Port Hawkesbury / Sackville / Sydney / Truro / West Hants / Yarmouth