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Employee Benefits Programs
NZ-Pathfinder Financial Services
Services Employee Benefits Programs

Employee Benefits Programs

Protecting Your People, Empowering Your Business

What is Employee Benefits Programs?

An employee benefit program is an arrangement where an employer provides collective insurance benefits to employees—such as life, health, income protection, and total permanent disability cover—or any combination tailored to suit the needs of their team.

Beyond insurance, a comprehensive employee benefits program can include partnership with a preferred KiwiSaver provider. By nominating a preferred provider, such as ANZ or Generate, employers make it easier for staff to access expert KiwiSaver advice and align their retirement savings with long-term goals.


Offering an employee benefit program demonstrates a commitment to staff wellbeing, which can enhance employee satisfaction, improve retention, and strengthen the company’s reputation as a responsible and caring employer. It also provides a competitive edge in attracting top talent and can reduce downtime by supporting employees’ financial and health security.


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Why Appointing a Preferred KiwiSaver Provider Makes Sense for Your Business?

It Gives Your Staff Real Support—Not Just a Deduction on Their Payslip

By nominating a preferred KiwiSaver provider, your employees get:

  • Access to tailored advice from a licensed KiwiSaver specialist (me!).

  • Help with fund selection, risk profiling, and contribution strategies.

  • Clarity on how KiwiSaver fits into their home ownership or retirement goals.

  • Education on PIR rates, voluntary contributions, and how to avoid common mistakes that reduce returns.

It Drives Better Outcomes for Your People

When employees receive guidance:

  • They are more engaged with their KiwiSaver and financial future.

  • They make better long-term investment decisions.

  • They feel supported by their employer, improving morale and loyalty.

What It Means for You as the Employer

  • You provide a high-value staff benefit—with zero cost to your business.
  • You gain a partner who helps educate and uplift your team without using your time.
  • We do all the heavy lifting—presentations, 1-on-1 consults, follow-ups, and enrolment support.

Bonus: Easy Pathway to Group Insurance

Once we build that relationship with your staff through KiwiSaver, it opens the door to group insurance benefits—again, optional for you as the employer. Whether fully paid, co-funded, or employee-paid, we can structure cover that protects their health, income, and families—without extra admin on your end.

FAQs

Why should employers offer employee benefits?

Employee benefits help attract and retain top talent, boost morale and loyalty, reduce staff turnover, and promote a culture of care. They also support productivity by reducing financial and health-related stress.

Who pays for the insurance premiums?

In most cases, the employer covers the cost of the group insurance premiums, but in some arrangements, employees may choose to top up or add family members at their own cost.

Is the cover automatic for all employees?

Eligibility criteria vary. Some policies offer automatic acceptance for all permanent employees, while others may require certain conditions to be met (e.g., working a minimum number of hours).

What happens to the cover if an employee leaves the company?

Most group policies end when employment ends. However, some insurers offer a continuation option, allowing employees to convert their cover into an individual policy without further medical underwriting.

Can employees choose their own level of cover?

In many group policies, cover is standardised. However, some programs offer flexibility or voluntary upgrades that employees can purchase at their own cost.

Does the program cover pre-existing conditions?

Group policies often provide cover without medical underwriting, which may include some pre-existing conditions. Details depend on the insurer's terms and conditions.