Strategic Benefits Planning

Your employee benefits program is a top five budget item. No matter how many employees you have, you need a multi-year strategy to help you manage an expense that is so important.

Let's work together to create a benefit plan that will:

  • evolve with your organization.
  • ensure compliance.
  • increase employee engagement.
  • save you money.

Employee Benefits Funding Strategies

Fully-insured, self-funded, consumer-driven, or cafeteria plan? How will you proceed?

Let's evaluate your funding strategies to make sure they're affordable and that you're avoiding penalties. A change in funding strategy could yield meaningful plan cost savings—but those savings may also require you to take on greater risk. Our analytics and underwriting team will analyze historical claims and benefits utilization, as well as plan-related financial data to estimate future costs and appropriate funding levels.

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Employee Benefits Contribution Strategies

How will you approach the employer shared responsibility in the ACA era? Is a defined benefits strategy the best way to balance your employees' needs against rising healthcare costs? Will you look at a defined contribution strategy to expand employee choices while managing plan cost? Or is the right contribution strategy for your company and your employees somewhere in between?

Contact a HUB advisor to learn more about the spectrum of employee benefits contribution strategies and find the one that is right for your business. It's part of the strategic planning process that delivers your optimized employee benefits solution.

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Employee Benefits

Our experts specialize in the full range of employee benefits plans: medical, disability, dental, vision, life and more, for groups and individuals.

You'll have access to the products and services of a global brokerage delivered with a local touch. And because we serve both large and mid-sized companies, we can craft a benefits solutions that is scoped, scaled and tailored to meet your needs precisely.

Group Medical Benefits

HUB offers you access to and expert knowledge of the group medical plans offered by a wide range of national and regional carriers and healthcare networks. We'll help you optimize your benefits spend by:

  • assessing an appropriate level of risk
  • reviewing consumerism/employee utilization of benefits
  • incorporating opportunities for communication, and
  • developing wellness programs.

Ancillary Benefits

Ancillary benefits are a great way to support your talent recruiting and retention goals in a very competitive market. By leveraging group life insurance, accidental death & dismemberment insurance, dental and vision coverage, you can differentiate your business for prospective employees.

These benefits can be employer funded or offered on a voluntary basis. Your HUB advisor will work with you to put together an ancillary benefits strategy that meets your goals.

Voluntary Benefits

Your benefits program plays a vital role in attracting and retaining top talent and can also help offset the impact of health care reform and rising health care costs. Voluntary benefits can help you maintain and even expand the level of employee benefits you offer, while controlling total plan cost.

HUB’s Voluntary Benefits Infographic shows you how voluntary benefits are becoming a must-have.

Together we can develop a voluntary benefits strategy that will bridge your coverage gaps and increase employee satisfaction—all without exposing your company to the Cadillac Tax.

Start your exploration with the HUB Voluntary Benefits Checklist

Ready now? Let's talk about your Voluntary Benefits options today. Contact a HUB advisor.

Voluntary Benefits eBook

Download eBook Strategic Benefits Planning - Download Voluntary Benefits eBook

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