Group benefits for your Nunavut employees
No community in Nunavut is connected to another by road. Any benefits plan written without that fact at the centre of it will look generous on paper and be close to unusable in practice.
We are not licensed in Nunavut. Placing business for a Nunavut-headquartered employer requires licensing recognised by the Nunavut Superintendent of Insurance. This page is written for employers headquartered elsewhere who have staff living in Nunavut — a situation we handle constantly. If you need a locally licensed broker, tell us and we will say so rather than stretch.
What is different about a benefits plan in Nunavut
Four things vary by province, and all four change what your plan should look like.
Public plan — Nunavut Health Care Plan
Drug program — Nunavut extended health benefits and NIHB
Employer payroll tax — Nunavut Payroll Tax
Taxable benefit treatment
Payroll tax thresholds, rates and drug program details are set in provincial budgets and change. The summary above reflects our 2026 review and is general information, not tax advice — confirm current-year figures with the Nunavut finance ministry or your accountant before you budget from them.
Designing for Nunavut, not for a template
Design for access, not for limits. Medical travel and its uncovered costs, virtual mental health care that works over the bandwidth people actually have, and clean NIHB coordination are worth more than any increase to a paramedical maximum for a practitioner who is a flight away.
Talk it throughWhere Nunavut employees are
- Iqaluit
- Rankin Inlet
- Arviat
- Baker Lake
- Cambridge Bay
- Pond Inlet
- Regulator
- Nunavut Superintendent of Insurance
- Public health plan
- Nunavut Health Care Plan
- Employer payroll tax
- Nunavut Payroll Tax
Coverage for Nunavut employees
The same eight practice areas, tuned to what the public plan here does and does not do.
Extended Health & Dental
The core of every plan — and where most of the money goes.
Learn moreDisability, Life & Critical Illness
The coverage nobody thinks about until the worst week of their life.
Learn moreHealth & Wellness Spending Accounts
Flexible dollars for a workforce that wants different things.
Learn moreMental Health & EAP
The fastest-growing line of claims in the country.
Learn moreGroup Retirement & Savings
Group RRSP, DPSP, TFSA and pension — coordinated with the benefits plan.
Learn moreRenewal Strategy & Marketing
The part most brokers do once a year in an email. We do it all year.
Learn moreAdministration & Compliance Support
We take the plan admin off your HR team’s desk.
Learn moreExecutive & Owner Benefits
For the people whose departure would change the business.
Learn moreQuestions employers actually ask us
No hedging. If the honest answer is “you do not need us for that,” that is the answer you will get.
Only if it is adapted. The standard grid — physiotherapy, massage, chiropractic maximums — assumes local practitioners. In most Nunavut communities they do not exist. Redirecting that budget into medical travel gap funding, a Health Spending Account and virtual care produces a plan employees can actually use.
Usually yes, but designed as a complement rather than a duplicate. NIHB is strong on drugs, dental, vision and medical transport for eligible members. A group plan adds value where NIHB does not reach — travel gap costs, life and disability coverage, and benefits for employees who are not NIHB-eligible.
Portability and continuation provisions matter more here than almost anywhere. Turnover involving relocation is common, and how your plan handles coverage during a move, and what conversion rights employees have on departure, is worth reading before you need it.
Employees in more than one province?
Multi-provincial groups are routine for us. Here is what changes everywhere else:
Send us your renewal. We will tell you the truth about it.
A 30-minute call and a look at your last statement is usually enough for us to say whether you are being well served in Nunavut. If you are, we will say so.
An advisor reads it and replies personally — it does not go to a call centre.