Individual Benefits
HUB International's Individual Benefits program gives employees ongoing coverage options beyond an organization's group plan, including medical and dental conversion when they retire or leave the organization. It is a voluntary, individually elected benefit available across the entire workforce.
Why It Matters
A gap opens exactly when workplace coverage ends
Standard group medical and dental coverage typically ends the moment an employee retires or leaves, right when ongoing coverage often matters most. Individual Benefits gives departing and retiring employees a voluntary way to convert that coverage instead of losing it outright, without changing the underlying group plan design.
HUB's Approach
How HUB sets up this voluntary program
HUB International helps employers offer Individual Benefits as a voluntary program available across their workforce, giving employees a way to elect continued coverage on their own terms. The program's core feature is medical and dental conversion, letting employees maintain coverage through that transition rather than losing it on their last day of active employment.
HUB sets up the voluntary offering alongside the employer's existing group plan and supports employees at the point of transition, when they are deciding whether to elect individual coverage. Because election happens at retirement or departure, HUB coordinates the offering with the employer's broader benefits administration, so departing employees have a clear, straightforward path to continued coverage.
Insights for Your Business
Individual benefits insights and research
