Global Benefits & Mobility

Organizations with a Canada/U.S. workforce often discover, mid-audit or mid-enrollment, that the broker who placed their original plan holds no active license or benchmarking data for the other country. HUB's cross-border specialists combine Canadian- and U.S.-licensed employee benefits consultants and compliance specialists under one roof, so a plan sponsor never has to piece together domestic-only relationships into something resembling a cross-border program. The team advises directly on ACA compliance for U.S.-side coverage and provincial requirements for the Canadian side, within a single point of access. This matters most for organizations whose original plan was designed before the workforce became genuinely cross-border, and who are still relying on a single-country advisor to cover a two-country population.

A benefits plan built around Canadian provincial health care norms rarely holds up when extended, largely unchanged, to a U.S. population, and the reverse is equally true for a Canadian minority inside a U.S.-designed plan. HUB reviews executive benefits, health coverage and disability programs against the destination country's own competitive and regulatory benchmark, rather than adapting a home-country plan by assumption. This includes checking whether U.S.-side coverage genuinely meets ACA requirements and whether Canadian-side coverage reflects current provincial standards, not just historical plan design. The goal is a program that reads as competitive to employees on both sides of the border, not one that merely complies on paper while falling short of what peer employers offer.

Executive benefits, disability programs and retirement plans are frequently administered as two separate efforts for the Canadian and U.S. sides of one organization, which duplicates work and can produce inconsistent protection for people who consider themselves one team. HUB coordinates plan design, executive benefits alignment, disability programs and retirement plan administration — including hands-on support through U.S. retirement plan audits — as a single Canada/U.S. program with two compliant, country-specific expressions.