What Carrier Is It?
HUB Client Resources
Who Is The Client?
Name The Law
Contract Provisions
100

This carrier, based in Providence, competes against itself under a different name in Massachusetts.

What is Altus?

100

Scrubbing hard with stain remover won’t help employees see their benefits all in one place, but this will.

What is Benefit Spot?

100

This woman's clothing company founded in Great Barrington Massachusetts by Karl Lipsky is named after his wife and daughter both with the same initials.

What is J. Jill?

100

There is nothing more venomous than losing health insurance coverage.  This law helped employees and families continue coverage.

What is COBRA?

100

These two might be on your Christmas wish list, but if they’re missing Santa won’t be delivering.

What is a missing tooth exclusion?

200

The company shares the same name as the Latin for Single or Alone, although this carrier will not abandon you when you can no longer work due to a disability.

What is UNUM?

200

Available to every HUB EB employee, this searchable database offers background information on thousands of vendors and access to HUB Preferred Partner designations and Specialty Practice insights.

What is Benefit Pitch?

200

A popular place to visit in Boston for kids and adults alike, you will be greeted by a towering dinosaur and have your hair stand on end.

What is Museum of Science?

200

Contrary to what the name implies, Healthcare costs have escalated since its inception.

What is the Affordable Care Act?

200

Not to be confused with the time prior to meeting your former significant other, you may have to wait 12 months before getting benefits.

What is a Pre Ex?

300

This medical insurance provider has had three name changes since 2018.

What is Mass General Brigham Health Plan?

300

Developed by HUB Consultants and managed by the Health & Performance Practice, this online wellbeing resource is available to EB clients of every size and location.

What is ChooseWell Online?

300

This municipality client has a long history of manufacturing including bicycles, firearms, and horse buggy whips.

What is Westfield?

300

Not designed to provide employees with every Friday and Monday off, it does, however, provide Leave for those caring for others or themselves with a serious medical condition.  You must Act to get certified.

What is FMLA?

300

Helping people with a disability preserve their coverage, this won’t cost an employer extra and keeps life insurance in force when needed the most.

What is Life Waiver?

400

Named after a city, this Life and Disability company is more wild than most.  Just ask Marlin and Jim.

What is Mutual of Omaha?

400

They won’t need a compass or telescope, but your client’s employees will need computers to use this benefits administration platform.

What is Employee Navigator?

400

With locations in Montana and Puerto Rico, this company based in Hyannis has really taken off since being founded in 1988.

What is Cape Air?

400

Originally designed to protect employees from mismanagement of their retirement plans, I can think of 501 other things it does.

What is ERISA?

400

By participating in one of these programs before returning to work, employees on disability can receive higher benefit payments. I would volunteer for this even if it wasn’t mandatory.  

What is Rehabilitation Incentive/Services?

500

This carrier founded in a Southern state in 1939, sold its first employer sponsored group plan in 1955.

What is Colonial?

500

The lining materials of your linen closet combined with the 1970’s Nixon scandal Water [blank] are what now helps HUB warehouse client data.

What is Cedar, Cedargate?

500

Some people’s treasures are other people’s trash, this company makes their trendy products out of materials that once sailed the seas.

What is Sea Bags?

500

This regulation requires individuals to verify their identity once their H.S.A account has been created.

What is the Patriot Act?

500

COBRA monthly premium rates for a medical plan can be a composite of the health plan premium, a 2% administrative fee, and the actuarial value of this employer-funded program. 

What is an HRA?