Indigenous Group Benefits & Retirement

Tailored benefits for your community.

At Acera Benefits, we offer expert advice on group benefits and retirement savings services specifically tailored for Indigenous communities and organizations across Canada. Our core value of putting people first enables us to make a meaningful impact in the local communities we serve.

Speak to a Specialist

Your guide to Indigenous group benefits & retirement coverage.

Together, our team represents the rich diversity of Inkumupulux, Westbank First Nation, Nlaka’pamux, within the Syilx Nations. Our collective backgrounds and experiences enrich our work, ensuring that we approach every challenge with cultural sensitivity and a deep understanding of community dynamics.

Our team is dedicated to supporting Indigenous communities in securing their futures, with strength, resilience, and leadership for Indigenous people across Canada.

Some things to consider for your group benefits and retirement program:

Wellness programs
Retirement savings
Health and dental
Band member plans
Chief and Council coverage
Chief and Council retirement plans
Nation retirement plans

Get started today.

Get in touch to learn more about how our Indigenous consultants can help with your group benefit and retirement saving plans. Our advisors work across Canada, travelling to even the most remote locations. Because we know it’s important to have quality face-to-face contact as your needs evolve.

Call us: 1.833.531.6093
Email: [email protected]

Explore the features of our plans.

Our Indigenous consultants provide professional, impartial advice and negotiate terms with your best interests in mind. We work hard to create change in our industry as our communities evolve, and we’re proud to be able to provide custom solutions to you. Whether it’s FNHA/NIHB benefit coordination, benefit plans for Chief & Council, or tax-exempt retirement savings plans, we’re here for you.

Relationships with Proprietary Providers

Our advisors have exclusive access to health insurance providers that specialize in benefits plans for Indigenous communities and organizations.

Band Member Plans

We can help design and implement coverage for band members on and off the reserve – a unique feature not offered by all providers.

Wellness Programs

We work with several providers to deliver employee assistance plans (EAPs) tailored to the unique wellness needs of your Indigenous group, including culturally relevant offerings.

Retirement Savings

We offer retirement savings plans regulated by OSFI and BCFSA that will provide tax-exempt income for status employees working on reserve.

Chief Council Benefit Coverage & Retirement Plans / Tax-Free Savings Plan

We partner with select carriers that offer this coverage. Please note that this is not available through all providers.

FNHA / NIHB Benefits Coordination

We ensure that benefits are correctly coordinated with First Nations Health Authority (FNHA) / Non Insured Health Benefits (NIHB) for status individuals to provide cost savings to you as an employer and to your employees.

Band Employee Benefits Funding

We help make sure your plans are set up correctly to ensure you receive BEB Funding.

Taxation

We’ll work with you to ensure your plans are tax-exempt in accordance with government regulations.

Why choose Acera Benefits for your benefits and retirement?

With 60+ years serving local communities across Canada, we recognize that Indigenous people and organizations have unique needs. Our Indigenous consultants understand and appreciate the culture and the challenges that our communities face. Our team honours and celebrates the legacy of Indigenous people, empowering forces within our communities and advocating for the health and wellness of our people.

Tailored Benefits

Whatever the size of your organization or community, our team can build and implement a benefits program to support the well-being and productivity of your employees and your people.

Ongoing Support & Training

Employees often have questions about their plans. We’re here to support you in-person with employee plan roll-out, maintenance, communication and ongoing education.

Plan Audit & Design

Our advisors will evaluate your current group benefits and retirement plans, identify opportunities for improvement, and recommend cost-saving strategies.

Helpful tips from our benefits advisors.

Our Indigenous consultants are employee owners and take great responsibility in being able to provide tailored plans to suit your community’s wellness needs. We pride ourselves on putting people first, and advocating for the services that will empower your organization’s ability to impact the health and well-being of your community.

“Seeking advice from financial advisors familiar with Indigenous financial rights and options makes a difference. We provide tailored advice that respects your individual circumstances, including tax-exempt status, and guide you towards making decisions that benefit your financial future.”

– Buffy Mills, Indigenous Employee Benefits Consultant | Westbank, BC

“Savings accounts are not one-size-fits-all. They range from basic savings accounts, which offer easy access and a safe place to keep your money, to high-interest savings accounts that provide higher returns on your deposits. For those of us benefiting from tax-exempt income, it’s vital to choose options that do not inadvertently convert our tax-exempt money into taxable income.”

– Serena Torres, Indigenous Employee Benefits Consultant | Westbank, BC