Approaching Medicare
People getting close to Medicare eligibility who need to understand timing and how it may interact with workplace coverage.
For partners
Extend benefits beyond traditional eligibility.
Workplace benefit programs are built around plan eligibility. Benefits Beyond Work helps benefit plan sponsors, brokers and consultants, PEOs, associations, and other organizations provide continuity when employment, eligibility, or household circumstances move someone beyond those traditional boundaries — with personal insurance solutions and household support for what comes next.
Population first
Populations we can support.
We start with the population, not a product set. Each of these groups tends to need something different when workplace eligibility doesn't apply — or stops applying. One organization often has several of them.
Medicare Eligible
Employees, retirees, and household members navigating Medicare decisions.
Preparing for Retirement
People reviewing what changes when workplace benefits end and personal coverage begins.
Retirees
People who have already moved beyond workplace benefits and their households.
Working Beyond 65
Employees who continue working past 65 and need help understanding how coverage may coordinate.
Part-Time & Seasonal
Employees who may not meet traditional benefit eligibility requirements.
COBRA & Coverage Transitions
People evaluating what comes after employer-sponsored coverage.
Loss of Benefit Eligibility
Employees and dependents whose eligibility changes.
Workforce Transitions
People affected by job changes, reductions, leaves, or other employment transitions.
Leaving Employment
People moving from workplace coverage to personal coverage.
Other Transitioning Populations
Other groups experiencing Life Changes with insurance or benefit implications.
Solutions
One resource for what comes next.
Four connected areas members and their households can turn to as benefits and eligibility change.
Medicare
Education and personal coverage guidance for Medicare-eligible members and households.
Healthcare
Personal medical, dental, vision, and supplemental health options when workplace coverage isn't available, is changing, or needs additional support.
Retirement
Insurance-based retirement and income-protection solutions for members preparing for or living in retirement.
Legacy
Life insurance and protection review, beneficiary preparedness across financial accounts, and household benefit continuity as members and their families plan ahead.
Household differentiator
The employee isn't the only person affected.
Benefits Beyond Work helps extend the conversation from the individual transition to the needs of the household.
Employee retires at 65
Employee retires at 65
Medicare
Spouse is 61
Healthcare
Household enters retirement
Retirement-income considerations
Family protection changes
Life insurance and legacy
Benefits and financial accounts
Beneficiary preparedness and continuity
Positioning
Built to complement the benefits ecosystem.
Benefits Beyond Work supports populations outside traditional benefit eligibility and those transitioning beyond workplace coverage. A transition can affect more than healthcare — it may touch life insurance, disability, voluntary benefits, supplemental protection, retirement-related considerations, and legacy or beneficiary preparedness. We work alongside existing brokers, consultants, and benefit programs — not as a replacement for them, and never as an administrator of the Benefit Plan Sponsor's plan or a determiner of plan eligibility or rights.
Complement Existing Benefits
We do not replace coverage or programs that already serve the member appropriately.
Support the Transition
We provide a destination when traditional eligibility changes or ends.
Extend Support to the Household
The relationship can continue beyond the employee and beyond the workplace.
Partner experience
Simple for the organization. Personal for the member.
Identify the Population
Partner determines which population may benefit from support.
Connect Members
Benefits Beyond Work provides an appropriate education, communication, or engagement pathway.
Understand What's Changing
Begin with the member's situation rather than an insurance product.
Support the Household
Where appropriate, consider related Medicare, healthcare, retirement, and legacy needs.
Continue the Relationship
Members and their families have a personal-insurance resource as needs change beyond the workplace.
Financial Relationship Manager
Relationship continuity beyond the workplace
A Financial Relationship Manager gives members and their households a consistent point of relationship as their needs change — helping them understand what is changing, identify what may need attention, and coordinate appropriate next steps. That continuity is what distinguishes this from a referral hand-off.
Members and their households have one point of contact who understands what changed and what it touched — so the relationship continues after workplace eligibility does not.
The support
How we may complement what you already offer.
What's needed depends on what's changing. Some populations need education. Some need individual help. Many need both.
Education
Educational content and virtual sessions on relevant benefit and insurance transitions — approaching Medicare, Medicare and workplace coverage, retirement-related benefit changes, leaving workplace coverage, Portability & Conversion considerations, healthcare coverage transitions, and beneficiary preparedness.
Individual Guidance
Members and their households can access individual support when they need help understanding what is changing and which areas may need attention.
Household Perspective
A transition affecting one person may also affect healthcare coverage, protection, beneficiaries, or other needs elsewhere in the household. Depending on what's changing, one or several areas may need attention.
Relevant Insurance Solutions
Where appropriate, personal insurance solutions across Medicare, Healthcare, Retirement, and Legacy — based on what's actually changing, not a fixed product set.
Delivery
Benefits Beyond Work is a national, virtual model, which makes education and individual support workable across geographically distributed populations.
- Virtual educational sessions
- Educational resources
- Individual consultations
- Digital intake
- Ongoing relationship support
Who we work with
Partner types.
Examples below are illustrative of the kinds of organizations that may have populations moving beyond traditional eligibility. Additional strategic partner categories may be added over time.
Benefit Plan Sponsors
Provide an additional resource for populations traditional benefit plans don't fully serve, and a destination for people transitioning off the plan.
- Private-sector organizations
- Manufacturing organizations
- Logistics and infrastructure organizations
- Healthcare systems and hospital networks
- Professional services organizations
- Other organizations supporting employees through benefit and retirement transitions
Brokers & Consultants
Extend client solutions without building a separate personal-insurance infrastructure. We work alongside your existing client relationships and benefit strategies.
- Employee benefit brokers
- Benefits consulting firms
- Advisory and consulting practices
- Firms supporting clients through benefit transitions
PEOs
Support worksite employees and their households outside standard eligibility or during transitions.
- Professional employer organizations
- Employer services organizations
- Organizations supporting distributed worksite populations
Public Sector & Education
Support employees, retirees, and members moving between workplace coverage and personal coverage across geographically distributed populations.
- K–12 school districts
- Education boards and related education organizations
- County governments
- Municipal governments
- State and local government organizations
- Public utility organizations
- Rural electric cooperatives
- Other public entities
Associations & Membership Organizations
Provide members access to personal insurance education and solutions beyond employer-sponsored benefits.
- Professional associations
- Trade associations
- Nursing and healthcare professional associations
- Trade and construction organizations
- Membership organizations
- Affinity organizations
- Recreational and lifestyle associations
- Fraternal organizations
Unions & Member Groups
Offer members and their households an education and support pathway as workplace coverage, retirement, and Medicare timing change.
- Labor organizations
- Public-sector employee organizations
- Civil-service membership organizations
- Postal employee organizations
- Other member-based organizations
Benefits Beyond Work is not affiliated with or endorsed by any government entity, union, or association.
Extend benefits beyond the workplace.
Let’s talk about the populations you’re trying to support and what happens when traditional benefits aren’t enough — or no longer apply.