Eligibility has edges
Part-time, seasonal, and reduced-hours employees may sit outside the plan while still needing personal coverage.
Benefit plan sponsors
When Workplace Benefits Change, Where Do Your Employees Turn Next?
You can provide a strong benefits program and still have employees who eventually move beyond it. Medicare eligibility, retirement, changes in hours, loss of eligibility, and leaving employment can create a new set of individual decisions.Benefits Beyond Work™ gives appropriate transitioning employees and their households somewhere to turn for what comes next.
Do You Have Employees Who Are…
- Approaching Medicare?
- Preparing for retirement?
- Working beyond 65?
- Losing or changing benefit eligibility?
- Leaving employment or workplace coverage?
If these transitions are showing up across your population, Benefits Beyond Work may be a useful resource.
Why this transition matters
These decisions land on your people, and sometimes on your HR team.
When coverage changes, employees may bring their questions to you first. Giving them a place to go means those individual questions have somewhere to be answered.
Transitions are recurring, not one-time
Where retirements, Medicare timing, and departures recur each year, each one can create individual decisions the plan does not 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.
Benefit Continuity Framework
The benefits may change. The relationship can continue.
Benefit Continuity Framework helps organizations plan ahead, respond when benefits or eligibility change, and support people through what comes next.
Plan Ahead · Respond to Change · Support Over Time
How we help
Extend the Support You Already Provide.
Your plan answers eligibility questions. Benefits Beyond Work provides an additional resource for the individual decisions that may follow.
Relevant support
- Medicare Education
- Retirement Education
- Coverage & Benefit Transition Support
- Individual & Household Guidance
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 webinars 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.
Retirement Transition Support
Retiring employees need a better handoff.
Retirement can affect Medicare, pre-Medicare healthcare, spouse and dependent coverage, workplace benefits, personal protection, and retirement or legacy considerations. Retirement Transition Support gives employees and households a personal-insurance destination beyond the plan.
ICHRA Solutions
Traditional benefits don't have to be the only path.
For appropriate populations, an Individual Coverage Health Reimbursement Arrangement can be another way to support health coverage. Where an organization and its benefits professionals decide to explore that, Benefits Beyond Work supports the employee side of it — education, individual coverage guidance, household perspective, and human support. Plan design, administration, and compliance remain with the employer and its appropriate partners.
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.
Two educational offerings are available today. Review them, then request a webinar — a Benefits Beyond Work representative follows up to learn more about your audience, objectives, timing, and educational needs.
Medicare Education
Webinars covering the Medicare landscape, considerations for people approaching eligibility, Medicare alongside workplace coverage, and what a transition may mean for a household.
Retirement Education
Webinars on preparing for retirement-related benefit changes, delivered with appropriately licensed professionals through our retirement services partner.
Webinars are generally available for groups of 10 or more anticipated participants. Have a smaller group? Contact us to explore available options.
Individual & household support
Group education, then one-to-one help.
After a session ends, the remaining questions are personal — timing, household, and state all matter. People who want individual help can meet with us directly.
- 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
Positioning
Built to Complement What You Already Provide.
Benefits Beyond Work works alongside your existing benefits program, broker, consultant, and retirement resources. We support your people individually as they move beyond the plan.
Relevant insurance solutions
What tends to be relevant for this population.
Depending on the person's situation, one or several of these areas may become relevant.
Portability & conversion
Some workplace benefits may include continuation, portability, or conversion options, so we look at what can be kept before considering what may need to be replaced. These are transition considerations rather than a separate solution area, and plan provisions control what is actually available.
Relevant use cases
What this often looks like.
An annual retirement cohort
If a group retires around the same point each year, education beforehand gives them time to understand the questions they may need to consider.
Employees turning 65 while still working
Employees continuing to work past 65 may want to understand how Medicare and workplace coverage could interact in their situation.
A population outside eligibility
Part-time and seasonal employees may ask about coverage the plan does not extend to them.
Who in Your Workforce Is Approaching a Benefit Transition?
Tell us about your population and we'll walk through where education and individual support could help.
Related
Other places these needs show up.
Retirement Transition Support
Retirement can change more than a paycheck. Benefits Beyond Work helps organizations connect retiring employees and their households with education...
Medicare & Retirement Transitions
Approaching Medicare eligibility and moving into retirement are two significant benefit transitions. They are separate transitions, and for some in...
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 an independent personal insurance agency and is not affiliated with any government agency. Product, carrier, and producer availability vary by state.