Social Security Numbers (SSNs) are required in HRA Hub during health plan enrollment so insurance carriers can verify identity and process the application for coverage.
Why is my Social Security Number required?
Your SSN is required because insurance carriers use it to:
Verify your identity
Match your application to your coverage record
Process enrollment in your selected health insurance plan
Prevent duplicate or inaccurate enrollment records
Without an SSN, most carriers cannot complete your application.
When do I need to provide my SSN?
You will be asked to provide SSNs during the enrollment process when:
You select a health insurance plan in HRA Hub
You proceed to the carrier application step
You complete final enrollment details before purchase
SSNs are required for all individuals being enrolled, including dependents when applicable.
Who must provide an SSN?
You must provide SSNs for:
The employee enrolling in coverage
Any dependents included on the health insurance plan
Each covered individual must be identified in the carrier application.
How is my SSN used?
Your SSN is used only for enrollment and verification purposes, including:
Submitting your application to the insurance carrier
Matching your identity to government and carrier records
Confirming eligibility for the selected plan
SSNs are not used to determine your HRA allowance or reimbursement eligibility.
What happens if I do not have an SSN for a dependent?
If a dependent does not have an SSN:
Use a placeholder SSN (e.g., 012-34-5678, 123-45-6789, 111-11-1111) to proceed with enrollment
If the system rejects one placeholder, try another or consult your carrier for acceptable alternatives
Placeholder SSNs flag the application for follow-up, and you will typically need to provide the actual SSN within a specified timeframe (e.g., 60 days)
The carrier may request an alternative identifier (such as a Tax Identification Number, if applicable)
Additional documentation may be required depending on carrier rules
Carrier requirements vary and must be followed to complete enrollment.If you are enrolling through the Take Command platform, note that you can only add a dependent if you, the employee, are also enrolling in the same policy. If not, you must shop and enroll directly through the health insurance marketplace (e.g., healthcare.gov). Additionally, participants aged 65 or older must enroll in Medicare to participate in an Individual Coverage Health Reimbursement Arrangement (ICHRA).After completing enrollment with a placeholder SSN, monitor communications from your carrier for follow-up instructions. Ensure you provide the correct SSN within the specified timeframe to avoid disruptions in coverage and update your records promptly once the SSN becomes available.Some carriers may require you to contact their support team for specific instructions, while others may flag the application and request additional documentation or the actual SSN after enrollment. Always verify the specific requirements with your carrier to ensure compliance.
How is my SSN protected?
Your SSN is handled securely within HRA Hub and is:
Transmitted directly to the insurance carrier for enrollment
Protected using secure system protocols
Not shared publicly or displayed unnecessarily in the platform
Take Command uses SSNs only for required administrative and enrollment functions.