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HUB Complete Employee Benefits for Small Business

 

HUB Complete Employee Benefits for Small Business

We have designed Employee Benefits for HUB Complete Small Business which is a simple, cost-effective, package with 3 different robust plans to suit your needs and budget.

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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

Your company may be eligible for expedited implementation if:

  • Your company currently does not have employee benefits
  • You have 2 to 10 employees

Program Features:

  • 100% family content is accepted
  • 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

Features Included at No Additional Cost:

  • Employee and Family Assistance Program
  • Health Service Navigator (Second Medical Opinion)
  • Trip Cancellation
  • Human Resources Support
  • HUB Perks Program

Small Business Employee Benefits

Please review the simple, cost-efective package with 3 different robust plans to suit your needs and budget
Gold

Life & Disability

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      BENEFITGOLD PLAN
      Life/Accidental Death & Dismemberment $100,000
      Dependent Life $15,000 Spouse;
      $10,000 Child
      Optional Life Available
      Long Term Disability 66.7% up to $10,000/month

      Extended Health Care

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          BENEFITGOLD PLAN
          Hospital, Ambulance & Travel Health 100%
          Emergency Travel 60 days
          $5,000,000/lifetime
          Prescription Drugs 100%
          No Maximum
          Dispensing Fee 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
          Vision Care (Glasses, Contacts) $200/2 calendar years (per year < age 18)

          Dental

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              BENEFITGOLD PLAN
              Basic/Preventive 100%
              Major 50%
              Basic/Preventive/Major Maximum $1,500/calendar year combined

              Optional Plan Add-ons

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                  BENEFITGOLD PLAN
                  Short Term Disability 66.7% up to $1,500/week
                  Orthodontics
                  Child Only2
                  50% up to $1,000/lifetime

                  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 3+ employees

                  Silver

                  Life & Disability

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

                  Extended Health Care

                  BENEFIT SILVER PLAN
                  Hospital, Ambulance & Travel Health 100%
                  Emergency Travel 60 days
                  $5,000,000/lifetime
                  Prescription Drugs 80%
                  No Maximum
                  Dispensing Fee 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
                  Vision Care (Glasses, Contacts) Not included

                  Dental

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

                  Optional Plan Add-ons

                  BENEFIT SILVER PLAN
                  Short Term Disability Not included
                  Orthodontics
                  Child Only2
                  Not Included

                  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 3+ employees

                  Bronze

                  Life & Disability

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

                  Extended Health Care

                  BENEFIT BRONZE PLAN
                  Hospital, Ambulance & Travel Health 100%
                  Emergency Travel 60 days
                  $5,000,000/lifetime
                  Prescription Drugs 80%
                  $2,500/calendar year
                  Dispensing Fee 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

                  Optional Plan Add-ons

                  BENEFIT BRONZE PLAN
                  Short Term Disability Not included
                  Orthodontics
                  Child Only2
                  Not included
                  • Gold
                  • Silver
                  • Bronze

                  Life & Disability

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                      BENEFITGOLD PLAN
                      Life/Accidental Death & Dismemberment $100,000
                      Dependent Life $15,000 Spouse;
                      $10,000 Child
                      Optional Life Available
                      Long Term Disability 66.7% up to $10,000/month

                      Extended Health Care

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                          BENEFITGOLD PLAN
                          Hospital, Ambulance & Travel Health 100%
                          Emergency Travel 60 days
                          $5,000,000/lifetime
                          Prescription Drugs 100%
                          No Maximum
                          Dispensing Fee 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
                          Vision Care (Glasses, Contacts) $200/2 calendar years (per year < age 18)

                          Dental

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                              BENEFITGOLD PLAN
                              Basic/Preventive 100%
                              Major 50%
                              Basic/Preventive/Major Maximum $1,500/calendar year combined

                              Optional Plan Add-ons

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                                  BENEFITGOLD PLAN
                                  Short Term Disability 66.7% up to $1,500/week
                                  Orthodontics
                                  Child Only2
                                  50% up to $1,000/lifetime

                                  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 3+ employees

                                  Life & Disability

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

                                  Extended Health Care

                                  BENEFIT SILVER PLAN
                                  Hospital, Ambulance & Travel Health 100%
                                  Emergency Travel 60 days
                                  $5,000,000/lifetime
                                  Prescription Drugs 80%
                                  No Maximum
                                  Dispensing Fee 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
                                  Vision Care (Glasses, Contacts) Not included

                                  Dental

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

                                  Optional Plan Add-ons

                                  BENEFIT SILVER PLAN
                                  Short Term Disability Not included
                                  Orthodontics
                                  Child Only2
                                  Not Included

                                  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 3+ employees

                                  Life & Disability

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

                                  Extended Health Care

                                  BENEFIT BRONZE PLAN
                                  Hospital, Ambulance & Travel Health 100%
                                  Emergency Travel 60 days
                                  $5,000,000/lifetime
                                  Prescription Drugs 80%
                                  $2,500/calendar year
                                  Dispensing Fee 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

                                  Optional Plan Add-ons

                                  BENEFIT BRONZE PLAN
                                  Short Term Disability Not included
                                  Orthodontics
                                  Child Only2
                                  Not included

                                  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.