Benefits
that
Good for your people.
Great for your business.
Protection designed
by experience.
Founded in 2000 and led by Senior Advisor Edna Reid, who brings more than 40 years of experience in the industry, Benefits Plus Inc. has helped employers and families across Prince Edward Island and Nova Scotia make confident decisions about their insurance. We are independent consultants — our only obligation is to the people covered by the plan.
- Independent Consultants
- Licensed in PEI & Nova Scotia
- 40+ Years of Experience
- Serving Clients Since 2000
Insurance and Benefit Plan Consulting Services
Benefits Plus Inc. provides independent advice to help your organization develop and manage a benefit plan that meets the needs of your employees, members and owners. We review plan design, funding arrangements and claims experience, and recommend practical ways to manage costs and maintain appropriate coverage.
Founded and owned by Edna Reid, Benefits Plus Inc. brings over 40 years of insurance industry experience, including work in Calgary during the 1980s and many years in Prince Edward Island. We represent our clients' interests when reviewing plans and working with insurers.
Edna Reid begins a career in the insurance industry, including work in Calgary.
Benefits Plus Inc. is founded and owned by Edna Reid, based in Prince Edward Island.
Expands consulting services to group and individual clients across Prince Edward Island and Nova Scotia.
Deepens focus on plan benchmarking, cost management and independent claims reviews.
Bringing over 40 years of insurance industry experience to clients across Prince Edward Island.
Comprehensive telehealth service offering members convenient access to licensed healthcare professionals by phone or video, supporting wellness, prescriptions and follow-up care.
Client-focused isn't a slogan. It's the process.
Listen first
We start with your people, your budget and what hasn't worked before.
Market openly
Your plan goes to the carriers that fit — and you see every quote.
Implement carefully
Enrolment, booklets and administration handled without disruption.
Stay accountable
Annual reviews, claims analysis and a direct line whenever you need us.
Company Overview
A two-page summary of our insurance and benefit plan consulting services — download it to share with your team.
Full Services Brochure
A multi-page guide detailing every service we offer — group benefits, telehealth and individual coverage — plus our approach and team. Download it to review or share with colleagues.
The people behind your plan.
You work with the same advisors year after year — no call centres, no handoffs.
Edna Reid
Leads plan design, carrier negotiations and renewals for our group clients, bringing more than 40 years of industry experience to every account.
Matthew Reid, MSc
Manages operations, client administration and the day-to-day running of the firm, while overseeing all financial and accounting functions.
Benefit programs your employees value and your budget can carry.
We act as your benefits department: marketing your plan to carriers, negotiating renewals, administering changes and handling escalated claims. Whether you have five employees or five hundred, the process is the same — understand the people first, then build the plan.
Request a Free Plan ReviewExtended Health Care
Prescription drug plans with tiered formularies and pay-direct cards, paramedical coverage (physio, chiro, massage, psychology), emergency out-of-province travel, vision and hearing care, and semi-private hospital allowances.
Dental Benefits
Basic services (recall exams, cleanings, fillings), major restorative (crowns, bridges), and optional orthodontics, with recall frequencies (6, 9 or 12 months) and fee-guide options (current or previous year) chosen to keep claims predictable.
Group Life & AD&D
Basic life (1x or 2x salary), optional supplemental and dependent life, and accidental death & dismemberment — with clean beneficiary records and no coverage gaps.
Short & Long Term Disability
STD for the first 17–26 weeks and LTD to age 65, with own-occupation or any-occupation definitions, elimination periods (90 or 119 days) and offset clauses reviewed so claims are paid without surprises.
Group Retirement & RRSP
Defined-contribution pension plans, group RRSPs with employer matching, and deferred profit sharing — with fund line-ups your employees can understand.
Renewal & Claims Analysis
Every renewal benchmarked against manual rates and experience rating, and negotiated line by line, every year — with claims utilization reports that show where your dollars go.
Benefits Plus Connect
A doctor or counsellor contacts you by phone or video call, day or night.
Doctors on call 24/7/365
A licensed doctor contacts you by phone or video call, evenings, weekends and holidays too.
Mental health support
Confidential counselling and crisis support for personal or work-related challenges.
Prescriptions & refills
Get the prescription you need sent quickly, without missing a day of work.
Follow-up care
A care team checks in with you within 24 to 48 hours of your visit.
No family doctor needed
Get care from home, your car or your break room. No waiting room.
Private & confidential
Your health information stays between you and your care team.
How it works
Get a confirmation by text or phone call.
A doctor contacts you by phone or video call.
The care team follows up within 24 to 48 hours.
Your employer must be a member in order to book an appointment.
Personal coverage, explained until it makes sense.
Group plans rarely cover everything. We help individuals, families, retirees and business owners fill the gaps — comparing carriers openly, showing you the trade-offs, and recommending only what you need. No pressure, no jargon.
Talk to an AdvisorLife Insurance
Term 10, Term 20 and Term 100 for temporary needs, plus whole life and universal life with tax-advantaged cash value — sized to your family's real obligations.
Critical Illness
Lump-sum cash on diagnosis of covered conditions (cancer, heart attack, stroke and more), with optional return-of-premium and partial-payout riders — paid before the bills start.
Disability Income
Own-occupation or regular-occupation coverage with elimination periods from 30 to 120 days and benefit periods to age 65 — protection for the income that funds everything else you own.
Health & Dental (Personal)
Standalone or combined health and dental plans for the self-employed, retirees, and anyone between group plans — with prescription, paramedical, vision and travel options.
Travel & Visitor Coverage
Single-trip and annual multi-trip plans for snowbirds, plus visitors-to-Canada emergency medical coverage with pre-existing condition options.
Retirement & Estate Planning
Life annuities, segregated funds with guaranteed death benefits and maturity values, and RRIF/RRSP strategies that keep more in the family.
Relationships measured in decades.
They found savings in our renewal three years running and still improved our dental coverage. Our staff notice the difference.
When an employee's disability claim was denied, Benefits Plus handled the appeal personally. It was approved. That's the whole reason we stay.
Edna walked my wife and me through our life and critical illness options twice, without ever pushing. Rare and appreciated.
Matthew went out of his way to help one of our staff get pre-approval for a prescription medication. He stayed on it until it was sorted. That kind of service is hard to find.
They are always available and extremely helpful when we cannot get anywhere with the insurance company. We never feel like we are on our own.
They are excellent advocates for all our employees. Whenever a claim gets stuck, Matthew steps in and gets it moving again.
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