Medicare
Guidance around Medicare eligibility, timing, and how Medicare may interact with workplace coverage.
Individuals & families
Life changes. Your benefit needs can change with them.
Whether you’re approaching Medicare, retiring, changing jobs, losing workplace coverage, trying to better understand the benefits you have through work, or navigating another major life change, Benefits Beyond Work helps you and your family understand your options and find solutions for what comes next.
- Medicare.
- Healthcare.
- Retirement.
- Legacy.
Start here
Start with what's happening in your life.
You don't need to know which coverage you need. Choose the situation that's closest to yours.
- I'm changing jobsSee What to Consider
- I'm losing workplace coverageSee What to Consider
- I don't have benefits through workSee What to Consider
- I'm retiringSee What to Consider
- My family or household is changingSee What to Consider
- I'm approaching MedicareSee What to Consider
- I'm preparing for retirementSee What to Consider
- I need help with beneficiary or legacy preparednessSee What to Consider
Household approach
Your household is part of the picture.
One person's life change can affect an entire household. We look at how a change moves across the people who depend on those benefits — not just the person whose situation changed.
Retiring at 65
You
Medicare
Spouse age 61
Individual healthcare
Household
Retirement considerations
Family
Life insurance and legacy considerations
Solutions
Four connected areas, one relationship.
A change in one of these usually moves the others, so we consider them together.
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.
From Work to Home
Already have benefits through work?
Start with what you already have.
Personal insurance isn’t always the first answer. From Work to Home helps benefit-eligible members understand the coverage available through work, identify opportunities to make better use of workplace benefits, and determine whether personal or household gaps remain.
Understand
What you already have through work.
Optimize
Consider available workplace benefits and appropriate buy-ups.
Identify
Look across the household for remaining gaps.
Supplement
Consider personal insurance where appropriate.
Sometimes the right solution is already available through work.
How we help
A Financial Relationship Manager for what’s changing
Insurance decisions rarely happen in isolation.
A Financial Relationship Manager is the person who stays with a member through a change. Not a product specialist assigned to one transaction — a consistent point of relationship who understands the household's situation and helps coordinate what happens next.
Understand what's changing
Start with the actual event — a retirement date, a job change, a birthday, a diagnosis — and what it affects.
Consider what you already have
Review coverage and resources already available through work, a spouse's plan, or existing policies before anything new is discussed.
Identify household needs
Look across the people who depend on those benefits, not only the person whose situation changed.
Prioritize what needs attention
Separate what has a deadline from what can wait, so the urgent decisions get made on time.
Coordinate next steps
Bring in the appropriate licensed expertise or insurance solution when one is genuinely needed.
Provide continuity
Stay the same point of contact as needs evolve, rather than restarting the relationship with each change.
A Financial Relationship Manager is a relationship steward and coordinator. The role does not by itself make someone an investment adviser, financial planner, attorney, tax adviser, or estate-planning professional. When a need calls for one of those disciplines, the role is to help you get to the right professional — not to substitute for one.
Tell Us What’s ChangingHow we help
Insurance decisions shouldn't have to be made alone.
Benefits Beyond Work combines education, technology, and licensed insurance guidance to help members and their families understand their options and make informed decisions. Start by telling us what's changing, and we'll follow up to arrange a conversation with a licensed professional.