People don't think in products
They think in life events. So we begin with what's changing, not with a policy.
About
A personal insurance agency organized around life changes.
Benefits Beyond Work helps people understand and navigate the insurance needs that come with life, work, and household change — across Medicare, healthcare, retirement, and legacy. We work directly with individuals and families, and alongside the organizations that support them.
Why we exist
Benefits often stop where life keeps going.
Workplace benefits are built around employment and eligibility. Life isn't. When someone retires, reduces hours, changes jobs, turns 65, or loses coverage, the need doesn't end — it moves. Benefits Beyond Work exists for what comes next.
Benefits for What’s Next.™
What we believe
Four ideas shape how we work.
Benefits are connected
One change often moves healthcare, protection, retirement, and legacy needs at the same time.
Households matter
A change for one person can change what everyone at home needs.
Existing coverage comes first
Sometimes the right solution is already available through work.
What we do
Four connected areas of one relationship.
We look at them together, because a change in one usually moves the others.
Medicare
Guidance around Medicare eligibility, timing, and how Medicare may interact with workplace coverage.
Healthcare
Individual and family medical, dental, and vision options when workplace coverage isn't available or is ending.
Retirement
Insurance-based solutions that address income, longevity, and protection needs in retirement.
Legacy
Life insurance, beneficiary preparedness, financial-account organization, and household benefit continuity.
Who we serve
Individuals, households, and organizations.
Individuals & Families
People navigating a life change and the households around them.
Organizations
Benefit plan sponsors, brokers and consultants, PEOs, and associations supporting populations traditional benefits don't fully reach.
How we work
National reach. Personal support.
Benefits Beyond Work serves people across the country, and every relationship still starts with one conversation about one household. The order of that conversation rarely changes.
Start with the change
What happened, and when does it take effect?
Look at the household
Who else relies on the benefits involved in that change?
Consider what exists
What coverage is already in place through work or elsewhere?
Connect the four areas
Medicare, healthcare, retirement, and legacy, reviewed together.
Financial Relationship Manager
You don’t have to work out everything a change affects on your own. A Financial Relationship Manager helps you understand what is changing and what may need attention — so you don't have to figure that out on your own first.
Wherever you are in the change, start here.
Tell us what’s happening and we’ll help you understand what may need attention.