Small Business Employee Benefits

HUB Complete Employee Benefits for Small Business

The Advantages of Our Program

Without an aggregate solution, smaller companies can experience significant rate fluctuation due to the impact of claims as a result of their size. By developing a solution dedicated to similarly sized companies, we can offer protection against cost fluctuations by spreading out risk and providing rate stability.

Why offer employee benefits?

Protect your employees
Protect your business
Attract and retain key talent
Tax-effective form of compensation

Program Features:

Guaranteed issue
Minimum eligibility requirements of 20 hours per week
Seasonal working minimum 8 months per year
Independent contract employees eligible
Higher non-evidence maximums

Optional Benefits Available for a fee

Employee and Family Assistance Program
Second Medical Opinion
Voluntary Critical Illness – Guaranteed Issue
Voluntary Life Insurance – Guaranteed Issue

Small Business Employee Benefits

Please review the simple, cost-effective package with different robust plans to suit your needs and budget.

Gold

Life & Disability

BENEFIT	GOLD PLAN
Life/Accidental Death & Dismemberment	$100,000
Dependent Life	$10,000 Spouse; $5,000 Child
Long Term Disability	66.67% of the first $3,750 of the monthly earning, plus 50% of the remainder up to $10,000/month

Extended Health Care

BENEFIT	GOLD PLAN
Hospital, Ambulance & Travel Health	100%
Emergency Travel	90 days $5,000,000/trip
Prescription Drugs	100% No Maximum
Drug Deductible	Equal to dispensing fee
All Other Benefits	100%; subject to internal maximums
Professional Services¹	$500/practitioner/calendar year
Eye Exams	1 every 2 calendar years (per year < age 18)
Vision Care (Glasses, Contacts)	$200/2 calendar years (per year < age 18)

Dental

BENEFIT	GOLD PLAN
Basic/Preventive	100%
Major	50%
Basic/Preventive/Major Maximum	$1,500/calendar year combined
Recall Period	9 months

Optional Plan Add-ons

BENEFIT	GOLD PLAN
Short Term Disability	66.7% up to $1,500/week
Orthodontics Child Only²	50% up to $1,000/lifetime
Employee and Family Assistance Program and Second Medical Opinion	Available

¹ Physiotherapy, Chiropractor, Massage Therapy, etc.
This coverage listed in this summary is subject to the provisions of the insurance policy.

² For Groups with 5+ employees

Silver

Life & Disability

BENEFIT	SILVER PLAN
Life/Accidental Death & Dismemberment	$50,000
Dependent Life	$10,000 Spouse; $5,000 Child
Long Term Disability	Flat $1,500/month

Extended Health Care

BENEFIT	SILVER PLAN
Hospital, Ambulance & Travel Health	100%
Emergency Travel	90 days $5,000,000/trip
Prescription Drugs	80% No Maximum
Drug Deductible	Equal to dispensing fee
All Other Benefits	100%; subject to internal maximums
Professional Services¹	$350/practitioner/calendar year
Eye Exams	1 every 2 calendar years (per year < age 18)
Vision Care (Glasses, Contacts)	Not included

Dental

BENEFIT	SILVER PLAN
Basic/Preventive	80%
Major	50%
Basic/Preventive/Major Maximum	$1,000/calendar year combined
Recall Period	9 months

Optional Plan Add-ons

BENEFIT	SILVER PLAN
Short Term Disability	66.7% up to $1,500/week
Employee and Family Assistance Program and Second Medical Opinion	Available

¹ Physiotherapy, Chiropractor, Massage Therapy, etc.
This coverage listed in this summary is subject to the provisions of the insurance policy.

Bronze

Life & Disability

BENEFIT	BRONZE PLAN
Life/Accidental Death & Dismemberment	$25,000
Dependent Life	Not included
Long Term Disability	Flat $1,000/month

Extended Health Care

BENEFIT	BRONZE PLAN
Hospital, Ambulance & Travel Health	80%
Emergency Travel	90 days $5,000,000/trip
Prescription Drugs	80% $2,500/calendar year
Drug Deductible	Equal to dispensing fee
All Other Benefits	80%; subject to internal maximums
Professional Services¹	$300/practitioner/calendar year
Eye Exams	Not included
Vision Care (Glasses, Contacts)	Not included

Dental

BENEFIT	BRONZE PLAN
Basic/Preventive	80%
Major	Not included
Basic/Preventive/Major Maximum	$1,000/calendar year
Recall Period	9 months

Optional Plan Add-ons

BENEFIT	BRONZE PLAN
Employee and Family Assistance Program and Second Medical Opinion	Available

To Complete Your Insurance Solution, Ask Your HUB Advisor About:

Business Insurance

In a complete solution, everything you want and need is connected.
Personal Insurance

Integrating your Benefits, Retirement and Business Insurance solutions can help you maximize your potential savings while streamlining service.
Retirement

HUB Complete gives you exactly what you need - all in one place, hassle-free.

HUB Complete Employee Benefits for Small Business

HUB Complete Employee Benefits for Small Business

The Advantages of Our Program

To Complete Your Insurance Solution, Ask Your HUB Advisor About:

Business Insurance

Personal Insurance

Retirement