Job Description
ABOUT HUB INTERNATIONAL:HUB International Limited (“HUB”) is the 5th largest global insurance and employee benefits broker, providing a broad array of property, casualty, risk management, life and health, employee benefits, investment and wealth management products and services. With over 17,000 employees in 500+ offices throughout North America, HUB has grown substantially, in part due to our industry leading success in Mergers and Acquisitions.
WHAT WE OFFER YOU:
At HUB we believe in investing in the future of our employees. Our entrepreneurial culture fosters an environment of open feedback and improvement that empowers our people to make the best decisions for our customers and organization. We offer:
Competitive salaries and benefits offerings
Medical/dental/vision insurance and voluntary insurance options
Health Savings Account funding
401k matching program
Company paid Life and Short-Term Disability Plans
Supplemental Life and Long-Term Disability Options
Comprehensive Wellness Program
Paid Parental Leave
Generous PTO Package - Vacation, Holiday, Sick, and Personal Time Off
Great work/life balance, because that’s important for all of us!
Focus on creating a meaningful environment through employee engagement events
The ability to be a part of a motivated, winning team with the opportunity to learn from colleagues who are amongst the top talent in the industry!
Growth potential - HUB is constantly growing and so can your career!
A rewarding career that helps local businesses in the community
Strong community support and involvement through HUB Gives
SUMMARY:
A Benefits Consultant (BC) interfaces with a group of clients (a book of business) to strategize and propose viable solutions to manage the menu of benefit options that the client offers to its employees. BCs partner with clients and assist them with 1) emerging trends in employee benefits, 2) their annual renewal process, and 3) other possible options that would enhance or meet the goals of the client; the end product of this partnership is intended to add value to the client, enabling the client to be competitive in their own industry. BCs quickly assess the nature of any given problem, understand thoroughly the expectations of the client, and consistently meet or exceed those expectations. BCs must contribute to and flourish in a team environment, learn and exemplify the Hub Fundamental 5, and engage in regular professional development. The Small Business Consultant’s role must also address all employee benefit issues as brought up by Hub’s clients and their employees, including resolving enrollment and termination issues, acting as liaison with insurance carriers, and answering questions relating to pertinent federal and state legislation.In addition, the Benefit Consultant is responsible for shopping the market, preparing proposals for renewal, and Consulting via telephone for designated clients
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Consulting – understands key business issues for clients and the role Benefits play in their business & articulates long-term benefit goals & develops strategic plan to achieve them.
Educate, support & becomes a trusted advisor to each client
Address client problems and issues, understands expectations & consistently meet through viable solutions. Acts proactively when potential issue is uncovered
Strategically plans and executes plan renewals, staying in regular communication with the clients and updating them on various emerging trends and solutions for their business needs. Anticipates concerns developing from the renewal process.
Understands thoroughly and stays abreast of changes in employee benefits, including plan designs, available riders, legislation, and emerging trends.
Attends training opportunities, reads and shares industry knowledge, regularly participates in coursework to either earn or maintain professional designations.
Alerts client to potential issues (legislative and coverage information). Provides and explains compliance package annually.
Shadows other consultants in the field periodically to study other business segments, techniques, and consulting styles. Invites other consultants to shadow his appointments.
Meets regularly (at least 2x/year) with medical and ancillary carrier reps to get updates on the latest innovations and strategies. Fosters a good professional relationship with carrier reps by meeting with them and by providing feedback on their quotes.
Conducts client presentations in a consultative (logical, professional and informative) manner. Encourages feedback from the client and projects confidence
Assesses cross selling opportunities with all clients. Encourages client to be innovative. Involves Voluntary Consultant and Financial Representative as appropriate. Asks client for referrals and generates new sales opportunities.
Discusses strategic partnerships with client, including ADP, Chase, Carrier Wellness offerings, COBRA administration, FSA administration, etc.
Discusses compensation and value proposition with client. Discusses compensation adjustment when necessary.
Strives for 100% client retention
Provides accurate and timely client deliverables according to Performance Standards. Reviews all presentation material thoroughly well in advance of meeting and checks to ensure there are no errors and that content is pertinent and practical. Ensures that follow up issues are handled timely and communicated to client.
Makes use of and offers to clients HUB Value Added Services, including Benefit Summaries, Mywave (20+), POP plans, Wellness Communications Plans, Hope Health newsletters, etc.
Builds and maintains strong relationship with client HR and Benefits staff and upper management through regular communication
Proactively reaches out on a regular basis.
Acts as a mentor for the Associate Benefit Consultant, Account Manager, BA/CSS and ISR. Assists in growth and development through constant communication and instruction. Delegates appropriately, set expectations and hold members accountable.
Holds regular team meetings. Keeps team informed and communicates thoroughly and clearly with all team members concerning client issues, renewals, and proactive work. Positively influences the team members; uses the HUB Essential 7 effectively to mediate concerns, offer encouragement and praise, promote engagement, and build good working relationships.
Uses Benefit Point to document and assign all client service issues and key steps in the renewal process
Ensures that the implementation and transition processes for all carrier changes are handled smoothly with minimal disruption. Communicates and documents major issues and changes. Stays on top on “next steps”. Ensures that submission and all applicable documents are processed accurately and timely.
Proactively checks and verifies all information (new rates, employee enrollments and changes, ID cards, etc.). Promptly addresses and solves problems generated through the renewal process.
Is prepared, organized, and methodical. Has a system for tracking and managing the various issues and projects that are in process.
REQUIREMENTS:
3-5+ years’ experience in benefits including a strong knowledge of self-insured plans, ancillary lines, and current legislation
Bachelor’s degree (or its equivalent) highly preferred
Louisiana Life and Health license is required or willing to complete asap
Professional Designations (RHU, REBC, CEBS) a plus
Excellent communication and presentation skills
Ability to interact effectively with people of various responsibility and authority (employees, key contacts, executives, etc.).
Highly organized.
Ability to manage multiple priorities and projects at once
Physical Requirements/Miscellaneous
Valid Driver’s License. Reliable vehicle. There are no physical requirements for the position.
This position description is not intended to be all-inclusive, but to provide a general scope of the person and the position, outlining the primary responsibilities, reporting structure, and knowledge/strengths/abilities required to succeed. It is not a contract.
Department Account Management & Service
Required Experience: 2-5 years of relevant experience
Required Travel: Up to 25%
Required Education: High school or equivalent
HUB International Limited is an equal opportunity and affirmative action employer that does not discriminate on the basis of race/ethnicity, national origin, religion, age, color, sex, sexual orientation, gender identity, disability or veteran's status, or any other characteristic protected by local, state or federal laws, rules or regulations. The EEO is the Law poster and its supplement is available here athttp://www.dol.gov/ofccp/regs/compliance/posters/ofccpost.htm.
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Hi, we’re HUB.
In a rapidly changing world, we advise businesses and individuals on how to prepare for the unexpected.
When you partner with us, you're at the center of a vast network of experts who will help you reach your goals through risk services, claims management, and compliance support.
And this gives you the peace of mind that what matters most to you will be protected — through unrelenting advocacy and tailored insurance solutions that put you in control.
About HUB International
Headquartered in Chicago, Illinois, HUB International Limited (HUB) is a leading full-service global insurance broker providing property and casualty, life and health, employee benefits, investment and risk management products and services. From offices located throughout North America, HUB’s vast network of specialists provides peace of mind on what matters most by protecting clients through unrelenting advocacy and tailored insurance solutions. For more information, please visit hubinternational.com.
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