Individual work is a different practice
Personal Medicare, healthcare, and protection work requires individual licensing, individual service, and time your team may prefer to spend on the group strategy.
Brokers & consultants
Extend your benefit strategy where group coverage stops.
Even a comprehensive employee-benefits strategy may include populations that fall outside eligibility or eventually transition beyond the group plan. Benefits Beyond Work is built to extend that strategy — not to compete with it.
Why this population matters
The group plan answers group questions.
Your client's plan is designed for the eligible population. The requests that don't fit neatly — a retiring executive's Medicare timing, a seasonal crew, a spouse who isn't 65 yet — are individual insurance questions that sit outside the group contract.
Transitions keep coming back
Every renewal cycle produces people leaving the plan, aging into Medicare, or dropping below hours thresholds.
Your relationship stays yours
We are a destination for the individual, not a wedge into your client relationship.
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:
- Client populations with meaningful numbers approaching Medicare or retirement
- Clients with employees continuing to work beyond age 65
- Clients with part-time, seasonal, or reduced-hours workforces
- Recurring COBRA and eligibility-loss activity across the book
- Clients asking for education you'd rather not build and deliver yourself
- A need for an individual-support destination without building personal-lines infrastructure
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.
- Medicare Transitions
- Retirees
- Working Beyond 65
- Part-Time & Seasonal
- COBRA & Coverage Transitions
- Loss of Benefit Eligibility
- Workforce Transitions
The support
How Benefits Beyond Work can help.
Some populations need education. Some need individual help. Many need both.
A referral destination that stays in its lane
We focus on personal insurance for people moving beyond the group plan and do not position ourselves as an alternative to your group work.
Education you can make available
Virtual Medicare and retirement education can be offered to appropriate client populations as a resource you bring to the table.
Individual consultations
Employees and household members can get one-to-one help with what's changing for them specifically.
Household coordination
We look beyond the individual transaction to what a transition may mean elsewhere in the household.
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
ContextualInsurance-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.
We do not administer group plans, quote group coverage, or determine plan eligibility. Benefits Beyond Work supports the individual once the question is no longer a group question.
Virtual education
Virtual education for your people.
Virtual education can be positioned as a resource you make available to appropriate client populations — most often where a client has a concentration of people approaching Medicare or retirement.
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.
A retiring key employee
A long-tenured employee retires and needs individual Medicare and coverage guidance the group plan doesn't provide.
A client with a large part-time workforce
The plan covers the benefit-eligible group; the rest still ask about coverage.
A client requesting Medicare education
You can bring a virtual educational session rather than building one.
Let's talk about the populations at the edges of your book.
Tell us which client populations keep raising questions the group plan can't answer.
Related
Other places these needs show up.
Benefit Plan Sponsors
Benefits Beyond Work may be especially relevant for organizations with meaningful populations approaching Medicare, preparing for retirement, worki...
PEOs
PEOs may support multiple client organizations with different workforce structures, eligibility rules, and transition needs. Benefits Beyond Work c...
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...
Benefits Beyond Work is not affiliated with or endorsed by any government entity, union, or association. Product, carrier, and producer availability vary by state.