Employee Benefits
Employee Benefits
Employee Benefits Team
Supporting the wellbeing of your employees is critical to sustaining your mission, and your Employee Benefits program must balance competitive offerings, cost management, and regulatory compliance.
At HUB International, our approach is built on partnership. Sarah and Samantha focus on designing thoughtful Employee Benefits strategies that support your people, strengthen your organization, and evolve with your long-term goals. Â
Your worker’s compensation team can also have a significant impact on the health and wellbeing of your team, while simultaneously managing significant financial impacts for the company at-large.
Expanding the Partnership
While Samantha and Sarah lead HUB's Employee Benefits strategy, Cascadia would further benefit from connecting with HUB's broader resources across commercial insurance and risk management.
To that end, we welcome the opportunity to introduce you to Team Haugen, HUB International's dedicated commercial insurance team specializing in workers compensation and commercial property & casualty insurance.
By pairing HUB's Employee Benefits expertise with Team Haugen's commercial insurance practice, Cascadia would benefit from a team that already understands your workforce, your facilities, and your organization, and can apply that knowledge directly to your full risk profile.
Sarah and Samantha have already built the foundation. Team Haugen can be the next step in ensuring every part of Cascadia's insurance program receives the same level of expertise and attention as your Employee Benefits.
Introducing Team Haugen
At HUB International, Team Haugen brings a different model to commercial insurance and risk management.
Our team is led by three brothers, Logan, Spencer, and Hayden Haugen, who work together as brokers under one coordinated team structure. Rather than operating as individual producers, we collaborate closely on strategy, market relationships, and client service. This approach allows us to bring multiple perspectives, deeper coverage expertise, and a higher level of responsiveness to every client we support.
What truly differentiates Team Haugen is how we approach risk and go to market with insurance carriers. We believe modern organizations deserve a modern approach to insurance representation.
Instead of relying solely on traditional submissions and spreadsheets, we build clear, visual underwriting narratives that help carriers fully understand an organization's operations, culture, and risk management philosophy. In many cases this includes developing dedicated underwriting websites and digital presentations that allow insurers to quickly understand the strengths of a business.
This approach helps us tell a more complete story to the insurance marketplace, which often leads to stronger underwriting relationships, better pricing, and broader coverage options.
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Why HUB International’s Workers’ Compensation Team Is a Strong Fit for Cascadia
Cascadia Healthcare operates a mission-driven organization that requires thoughtful risk management, responsive service, and a broker who understands the complexity of healthcare and both benefits and risk around business growth and acquisitions as the company expands.
At HUB International, our approach brings together specialists across Workers’ Compensation, claims advocacy, and employee benefits to support organizations like Cascadia in a coordinated way.
Samantha Bradley and Sarah Scott will continue leading the Employee Benefits strategy for Cascadia, while HUB’s Workers’ Compensation and risk management team works alongside them to support the broader insurance program.
This includes specialists such as Mike Godfrey and Emily Eddy, who focus on Workers’ Compensation program design, claims monitoring, and proactive loss trend analysis. Their work centers on helping organizations better understand where injuries are occurring, improving claims oversight, and identifying practical ways to reduce long-term costs.
They are supported by Shelley Sage, who specializes in Workers’ Compensation data analysis and program strategy, helping translate claims data and loss trends into actionable plan improvements, and Xander D’Arcy, who focuses on claims advocacy and resolution, working directly with carriers and administrators to ensure claims move efficiently and reserves remain appropriate.
By connecting HUB’s Employee Benefits expertise with our Workers’ Compensation and claims team, Cascadia benefits from a coordinated group that communicates internally, shares insights across disciplines, and approaches the program holistically.
The result is a unified HUB team working together to support Cascadia’s employees, operations, and long-term mission.
Risk Management Team
Beyond placing coverage, Team Haugen supports clients through a dedicated Workers' Compensation and Risk Management practice. The team below works alongside our brokers to provide safety consulting, WC claims advocacy, loss analytics, and risk management support — helping clients reduce total cost of risk and build stronger, safer organizations.
Logan leads Team Haugen as the senior broker and primary relationship manager. He oversees the overall insurance strategy, carrier relationships, and ensures the team's Workers' Compensation and Risk Management resources are fully integrated into each client's program. Logan is the team lead and point of escalation for complex risk challenges.
Mike serves as the principal contact for clients' Workers' Compensation needs. With deep expertise in insurance coverage, risk management, and claims advocacy, Mike partners closely with clients to assess exposures, design tailored coverage strategies, and advocate strongly during the claims process. His practice is grounded in deep industry knowledge, responsive communication, and a client-first mentality. Making him a trusted advisor in times of uncertainty.
Emily is the Director of Risk Management at HUB International. She holds a Master of Public Health with an emphasis in Occupational Safety and Health, and has earned her Certified Safety Professional (CSP) designation. Emily brings extensive safety management experience across a wide variety of industries, with depth in healthcare. She partners with clients to minimize employee and public safety losses, achieve regulatory compliance, and build a robust safety culture.
Commonly Provided Services: Safety Consulting: OSHA Program Compliance Audit & Support, Facility Inspections, Injury Trend Analysis & Prevention Action Plan Development, Early Intervention/Injury Management Program Development, Ergonomic Analysis, Safety Committee Training & Guidance, JSA Development, Incident Investigation Program Development, New Hire Training, Industrial Hygiene Test Planning, OSHA Inspection Support, Management & Employee Safety Training, Fleet Safety, General Liability/Public Safety Recommendations
Risk Services Division Support: Property Loss Prevention, Specialty Practice Consultation, Risk Management Software Introduction & Support
Spencer serves alongside Mike Godfrey as a primary client liaison for Workers' Compensation. As an Associate Advisor on Team Haugen, Spencer brings complementary strengths in insurance expertise and client service, ensuring seamless support from initial inquiry through claim resolution. Spencer works closely with clients to assess exposures and design coverage strategies that align with their operational reality.
Xander is the workers compensation analyst/consultant at HUB International. He has 14+ years as a Certified Claims Adjuster, as well as an agent and account manager. His claims management background will assist HUB clients across a wide variety of industries, including: wood products, construction, manufacturing, retail, hospitality, higher education, food processing, public entities, non-profits, and transportation. In his current role, he partners with clients to assist them in understanding the claims process as well as helping them manage claims for the best optimal outcome. He will assist in minimizing employee and public safety losses, while providing invaluable education and service to the management of claims.
Commonly Provided Services:
- Education / training on claims management and processing
- Identifying injury trends
- Claims cost mitigation, including time loss and transitional work
- Understanding claims reserves
- Best practices on claims management and claims litigation
- Employer advocate with carrier and claims adjuster team
- Understanding the experience rating modifier and how it affects premium
- Non-disabling claims reimbursement program for SAIF insured clients
- Assistance with Employer at Injury Program (EAIP) and using it to your advantage
- Scheduling claims reviews, onsite visits, meet and greets with the claim's teams
With a legal background and experience as a licensed attorney, Don brings extensive expertise in the insurance industry to his role. He combines his understanding of insurance coverage with practical claims-handling knowledge to advocate for clients and guide them through complex claims processes. His dual background in law and insurance provides clients with unique insight and strategic support when navigating disputes, mitigating risks, and achieving favorable outcomes.
In his current role, Don partners with clients to streamline claims resolution, manage insurance carrier relationships, and minimize financial exposure. His hands-on approach emphasizes proactive claims strategies and clear communication, ensuring that clients feel informed, supported, and empowered throughout the process.
Commonly Provided Services:
- Claims Advocacy and Support — Including negotiation with carriers, coverage analysis, and dispute resolution
- Policy and Coverage Review — Identifying potential gaps and ensuring clients are fully protected
- Legal Guidance in Insurance Matters — Leveraging attorney experience to help clients understand their rights and obligations
- Claims Management Strategy — Developing processes to reduce cycle time and improve claim outcomes
- Litigation and Dispute Support — Assisting clients in legal proceedings related to claims and coverage disputes
- Risk Management Consultation — Proactive recommendations to reduce claim frequency and severity
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WC Program Review
HOW WE IMPROVE IT: If it’s there, we make sure it’s sized right for your footprint. If it isn’t, that becomes one of the first things we put on the table, giving you a hard ceiling on your total annual deductible exposure so there are no surprises in a bad claims year.
HOW WE IMPROVE IT: We’d push for an ALAE exclusive structure so legal fees don’t compound your claim costs. In healthcare, that one change can quietly make ameaningful difference on your bottom line.
HOW WE IMPROVE IT:  We’d bring in a carrier with dedicated skilled nursing expertise,including nurse case managers, pharmacy management, and loss control that’s built around your world, not adapted from another industry.
HOW WE IMPROVE IT: We'd build a true total cost of risk picture that puts everything on one page, including premium, deductible reimbursements, and collateral costs together, so the full number is visible and manageable.
HOW WE IMPROVE IT: We'd put a dedicated claims advocate on your account, someone monitoring reserves, catching trends early, and keeping you ahead of costs rather than reacting to them. That includes structured monthly or quarterly claims review meetings so you always have a clear picture of where things stand.
HOW WE IMPROVE IT: We'd prioritize Oregon specifically. Every dollar of premium reduction there eliminates an additional $0.098 in state assessment, and the return is amplified compared to any other state in your program.
Integrated Claims Management with The Hartford Productivity Advantage (THPA)
Hartford confirmed they can support Cascadia through The Hartford Productivity Advantage (THPA) platform, which connects Workers’ Compensation, Leave Management, and Disability into a single coordinated system.
Instead of HR teams managing multiple programs and reporting systems, THPA allows these claims to work together through one integrated platform.
For example:
- A workers’ compensation claim with lost time can automatically trigger a leave record
- If a WC claim is denied, the system can initiate a Short Term Disability claim
- Claims and leave data are tracked together in one reporting environment
The impact of that integration is meaningful.
Employers using this coordinated structure have seen 11% shorter Short Term Disability durations and roughly 10% lower workers’ compensation medical severity compared to organizations managing these programs separately.
For Cascadia, this matters because it helps simplify administration, improve visibility into employee absences, and better coordinate care and recovery when an employee is injured or out of work.
It also creates a strong alignment between Employee Benefits and Workers’ Compensation strategy, allowing both programs to support each other rather than operating independently.
Injury Cause Trend Analysis
The chart below illustrates Cascadia's complete current insurance program — every line of coverage, limit, carrier, and deductible. Coverage, deductible, and carrier data shown in the table below the chart.
The EB Relationship Gives Our WC Program a Head Start
Most WC brokers walk into Cascadia knowing nothing about your organization except what is on a loss run. Because HUB already manages your Employee Benefits, we know how your workforce is classified, how your facilities are staffed, where your headcount is concentrated, and how your organization has grown. That context does not just make onboarding easier. It fundamentally changes the quality of the WC program we can build for you from day one.
We already know your workforce and how it maps to WC.‍
Benefits enrollment data tells us how many employees you have, how they are classified, where they are concentrated, and how your workforce turns over by location. That information directly shapes how we approach WC classification codes, payroll allocation, and carrier underwriting narratives, giving us a more accurate and defensible submission from day one.
We understand how your growth affects your WC exposure.
‍Cascadia has expanded steadily across the Pacific Northwest and beyond. Because we have been alongside you on the benefits side, we understand how acquisitions add facilities, how new locations affect your experience mod, and how to build a WC program structure that scales with you rather than requiring a full rebuild every time you grow.
Our EB knowledge makes us sharper WC advocates.
‍When the same team manages your Employee Benefits and your Workers' Compensation, patterns that would otherwise stay invisible get surfaced. We know which locations have the highest turnover, which job classes are growing fastest, and where benefit utilization signals a potential safety or injury trend. That intelligence makes us sharper WC advocates before it shows up on a loss run, not after.
Your Workers' Compensation Program Deserves More Than It's Getting.
We're Built to Deliver It.
Cascadia Healthcare deserves a Workers' Compensation program that is actively managed, not just renewed. That means a broker who:
Already knows your operation
We are not starting from scratch. We know your facilities, your states, your workforce classifications, and your claims history — and we can put that knowledge to work on your WC program from day one.
Understands Workers' Compensation inside and out.
Back injuries, high-exposure classifications, slip and fall frequency, ALAE structure, experience modification — these are not abstract concepts to us. They are the exposures we manage every day.
Sees the full cost of risk.
Premium is only part of the picture. We account for deductible reimbursements, collateral costs, reserve levels, and assessment surcharges. Giving you a true total cost of risk that most brokers never show you.
Is accountable between renewals.
One team, one relationship, one set of people watching your open claims, monitoring reserves, and pushing for better outcomes year-round.
Team Haugen is ready to step in with a dedicated WC specialist team, proactive claims advocacy, and a program structure built around what Cascadia needs.
LET’S GET STARTED