Part-Time & Seasonal
Employees who may not meet traditional benefit eligibility requirements.
For partners
Extend benefits beyond traditional eligibility.
Benefits Beyond Work helps benefit plan sponsors, brokers and consultants, PEOs, associations, and other organizations support people who aren’t eligible for traditional workplace benefits or are transitioning beyond them — with personal insurance solutions and household support for what comes next.
Population first
Who are you trying to 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.
Medicare Eligible
Employees and household members approaching or navigating Medicare.
Retirees
People transitioning from workplace benefits into the next stage.
COBRA & Coverage Transitions
People evaluating what comes after employer-sponsored coverage.
Loss of Eligibility
Employees and dependents whose eligibility changes.
Workforce Transitions
People affected by job changes, reductions, leaves, retirement, or other employment transitions.
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, and vision options when workplace coverage isn't available or is ending.
Retirement
Insurance-based retirement and income-protection solutions for members preparing for or living in retirement.
Legacy
Life insurance, beneficiary preparedness across financial accounts, legacy planning, and household benefit continuity.
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. We work alongside existing brokers, benefit programs, and organizational relationships — not as a replacement for them.
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.
Who we work with
Partner types.
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.
Brokers & Consultants
Extend client solutions without building a separate personal-insurance infrastructure.
PEOs
Support worksite employees and their households outside standard eligibility or during transitions.
Associations & Organizations
Provide members access to personal insurance education and solutions beyond employer-sponsored benefits.
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.