Eligibility has edges
Part-time, seasonal, and reduced-hours employees may sit outside the plan while still needing personal coverage.
Benefit plan sponsors
Support the people your benefit plan can't fully reach.
Benefits Beyond Work may be especially relevant for organizations with meaningful populations approaching Medicare, preparing for retirement, working beyond age 65, losing benefit eligibility, or otherwise transitioning beyond traditional workplace benefits.
Why this population matters
Not every plan sponsor has the same population.
A benefit plan is built around eligibility rules. The people who need Benefits Beyond Work are usually the ones those rules don't reach — or won't reach much longer. Fit depends on whether your workforce actually contains those populations in meaningful numbers.
Transitions are recurring, not one-time
Retirements, Medicare timing, and departures happen every year, and each one creates individual decisions the plan doesn't make.
The questions are individual
Once someone moves beyond the plan, the answers depend on their household, state, and situation — not on the plan document.
Qualification
Where we tend to fit best.
Benefits Beyond Work isn't the right resource for every organization. It may be particularly relevant when you have:
- A meaningful population approaching Medicare or retirement
- Employees continuing to work beyond age 65
- Recurring retirement or employment transitions each year
- Part-time, seasonal, COBRA, or reduced-hours populations outside traditional eligibility
- A need for scalable education around Medicare or retirement transitions
- HR and benefits teams that can share general resources but are not structured to give individualized insurance guidance
- A need for an individual-support destination after general education ends
Industry, size, and geography don’t determine fit on their own. The presence of a meaningful transitioning population does.
Populations
Populations we can support.
We start with the population, not a product set. What's needed depends on what's changing.
- Approaching Medicare
- Medicare Eligible
- Preparing for Retirement
- Retirees
- Working Beyond 65
- Part-Time & Seasonal
- COBRA & Coverage Transitions
- Loss of Benefit Eligibility
- Leaving Employment
- Workforce Transitions
The support
How Benefits Beyond Work can help.
Some populations need education. Some need individual help. Many need both.
Extend support past eligibility
Give employees and household members a place to go when the plan stops applying, without asking your HR or benefits team to become individual insurance experts.
Scalable education
Virtual Medicare and retirement educational sessions for populations facing the same transition at the same time of year.
Individual follow-through
General education raises individual questions. We can pick those up one-to-one, on the person's timeline.
Household perspective
One employee's transition can affect a spouse or dependent whose coverage and eligibility situation is different.
Relevant solution areas
What tends to be relevant for this population.
Relevance matters more than filling a grid. Depending on the person's situation, one area or several may need attention.
Medicare
PrimaryEducation and personal coverage guidance for Medicare-eligible members and households.
Healthcare
SignificantPersonal medical, dental, vision, and supplemental health options when workplace coverage isn't available, is changing, or needs additional support.
Retirement
SignificantInsurance-based retirement and income-protection solutions for members preparing for or living in retirement.
Legacy
ContextualLife insurance and protection review, beneficiary preparedness across financial accounts, and household benefit continuity as members and their families plan ahead.
Portability & conversion
Before you replace it, can you keep it?
Some workplace benefits may include continuation, portability, or conversion options. Understanding those options first can help identify what actually needs to be replaced or supplemented.
Portability and conversion are transition considerations, not a separate solution area — and they are never guaranteed. Plan provisions control what is actually available.
Positioning
Built to complement the existing benefits ecosystem.
Benefits Beyond Work does not replace employee benefits, administer your plan, or determine plan eligibility or rights. We work alongside your existing brokers, consultants, and benefit programs and focus on what happens when the plan no longer reaches the person.
Virtual education
Virtual education for your people.
Where your workforce includes meaningful populations approaching Medicare or retirement, virtual education can reach many people at once before individual decisions have to be made.
Medicare Education
Virtual educational sessions covering the Medicare landscape, considerations for people approaching eligibility, Medicare alongside workplace coverage, and what a transition may mean for a household.
Retirement Education
Virtual educational sessions on preparing for retirement-related benefit changes, delivered with appropriately licensed professionals through our retirement services partner.
Virtual educational sessions are generally available for groups of 10 or more anticipated participants. Have a smaller group? Contact us to explore available options.
Relevant use cases
What this often looks like.
An annual retirement cohort
A group retires each spring. Education before the transition reduces the number of individual questions your team fields afterward.
Employees turning 65 while still working
People continuing to work past 65 often want to understand how Medicare and workplace coverage may coordinate.
A population outside eligibility
Part-time and seasonal employees ask about coverage your plan doesn't offer them.
Start with your population, not a product.
Tell us who you're trying to support and what's changing for them. If there's a fit, we'll say so — and if there isn't, we'll say that too.
Related
Other places these needs show up.
Medicare & Retirement Transitions
Approaching Medicare and moving into retirement are two of the largest benefit transitions a person goes through — and they usually arrive together...
Beyond Benefit Eligibility
Part-time, seasonal, reduced-hours, COBRA, and departing populations often sit outside plan eligibility while still needing personal coverage. Bene...
Workforce Transitions
Reductions, retirement programs, schedule changes, and departures can all create decisions for employees and their households — often within a shor...
Benefits Beyond Work is not affiliated with or endorsed by any government entity, union, or association. Product, carrier, and producer availability vary by state.