Most scaling teams have medical. Almost none close the cash gap when an engineer hits a $3–8k out-of-pocket event. That is when offer-acceptance slips and regrettable attrition starts.
Chubb Combined pays cash to the employee — not the hospital.
Zero employer cost.Voluntary payroll deduction. Portable if they leave. No required contribution to the P&L.
Life doesn't have to be a gamble. ♦ Attract the Best! Keep Your most valuable resource - Your People! ♦ Easy Onboarding! ♦ Call Ian Cockburn Direct: 504 615-2333. to sign up today! ♦ Life doesn't have to be a gamble. ♦ Attract the Best! Keep Your most valuable resource - Your People! ♦ Easy Onboarding! ♦ Call Ian Cockburn Direct: 504 615-2333. to sign up today! ♦
ZERO COST TO EMPLOYERS
Pull the Lever, see the total value that Chubb Combined gives to your team, at $0 cost to you!
Enter how many employees do you have?
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Your Free Supplemental Benefits Employee — Ian Cockburn (504) 615-2333
Fun estimator only — not a quote, not a guarantee, and not an insurance contract. Combined Insurance Company of America, a Chubb company. Value figure is marketing illustration ($12,000 × employees). Surprise gift describes complimentary Link2Wellness telemedicine or Combined Cares discount access offered with enrollment where available. Availability varies by state.
PULL
How much is it worth to your team?
Life doesn't have to be a gamble. ♦ Attract the Best! Keep Your most valuable resource - Your People! ♦ Easy Onboarding! ♦ Call Ian Cockburn Direct: 504 615-2333. to sign up today! ♦ Life doesn't have to be a gamble. ♦ Attract the Best! Keep Your most valuable resource - Your People! ♦ Easy Onboarding! ♦ Call Ian Cockburn Direct: 504 615-2333. to sign up today! ♦
ZERO COST TO EMPLOYERS
Pull the Lever, see the total value that Chubb Combined gives to your team, at $0 cost to you!
Enter how many employees do you have?
SHARE
Your Free Supplemental Benefits Employee — Ian Cockburn (504) 615-2333
Fun estimator only — not a quote, not a guarantee, and not an insurance contract. Combined Insurance Company of America, a Chubb company. Value figure is marketing illustration ($12,000 × employees). Surprise gift describes complimentary Link2Wellness telemedicine or Combined Cares discount access offered with enrollment where available. Availability varies by state.
PULL
Three companies. Three different pains.
Same product family. Different pressure. Start with the one that matches your stage.
01
Seed team
~10–25 people · pre-A / Seed
You lose offers to companies that look safer, even when your equity is better. A candidate is choosing between your round and a company with a real benefits story. Your HDHP is fine on paper. It does not answer “what if I land in the ER next quarter.” You cannot add a medical rebuild to burn.
Need: Accident + hospital indemnity. Simple enrollment. One sentence People can put in the offer letter.
02
Growth team
~40–70 people · Series A–B
Mid-level ICs leave after one expensive health year — and replacement cost shows up on the P&L. Attrition is no longer a vibe. It is 50–150% of salary every time a senior engineer walks. High-deductible plans are doing what they were designed to do for the company. They are not doing enough for the person who just paid $6,000 out of pocket.
Need: Accident, hospital indemnity, and critical illness as a voluntary stack. A CFO-ready story: $0 required OpEx versus the cost of two regrettable exits.
03
Established product company
~100+ people · growth / public-path
You are hiring senior ICs against Big Tech total rewards and your benefits look thin in the last round. Comp is close. Equity is complicated. The offer loses on “what happens if something happens.” People and Finance will not open a new cost center for a nice-to-have. They will open a conversation that adds protection without adding burn.
Need: Full Chubb Combined stack — accident, hospital, critical illness, disability, portable life — plus worksite education and a short exec summary. Not a 40-page broker deck.
Hospital indemnityDaily cash for confinement and ICU
Critical illnessLump-sum cash on covered diagnoses
Disability incomePaycheck replacement when someone cannot ship
Life + LTC riderPortable coverage they keep if they leave
Who this is for
Founders and CEOs hiring against Big Tech on finite runway.
Heads of People / VP People building the benefits stack.
CFOs comparing benefits OpEx to the cost of one exit.
15-minute benefits gap review
Bring three numbers: headcount, HDHP or not, regrettable exits in the last 12 months.
Life doesn't have to be a gamble.
Pull the lever, drop in your headcount, and watch the total Chubb Combined value stack up — at $0 required employer cost. Sound on.
Life doesn't have to be a gamble. ♦ Attract the Best! Keep Your most valuable resource - Your People! ♦ Easy Onboarding! ♦ Call Ian Cockburn Direct: 504 615-2333. to sign up today! ♦ Life doesn't have to be a gamble. ♦ Attract the Best! Keep Your most valuable resource - Your People! ♦ Easy Onboarding! ♦ Call Ian Cockburn Direct: 504 615-2333. to sign up today! ♦
ZERO COST TO EMPLOYERS
Pull the Lever, see the total value that Chubb Combined gives to your team, at $0 cost to you!
Enter how many employees do you have?
SHARE
Your Free Supplemental Benefits Employee — Ian Cockburn (504) 615-2333
Fun estimator only — not a quote, not a guarantee, and not an insurance contract. Combined Insurance Company of America, a Chubb company. Value figure is marketing illustration ($12,000 × employees). Surprise gift describes complimentary Link2Wellness telemedicine or Combined Cares discount access offered with enrollment where available. Availability varies by state.
