Transitions are visible in the workflow
Status changes, reductions in hours, separations, retirements, COBRA events, and Medicare-related timing frequently surface inside these systems.
Payroll, HR & Benefits Technology Providers
Connect Benefit Transitions With What Comes Next
A downstream pathway at the moment coverage changes.Payroll, HR, benefits administration, and benefits technology providers are often close to the employment and eligibility changes that affect workplace coverage. Benefits Beyond Work™ can provide a human-guidance and personal-insurance pathway for members and their families when workplace benefits change, end, or no longer fully address what comes next.
Do Your Client Populations Experience…
- Employment status changes?
- Benefit eligibility changes or reductions in hours?
- Retirement or separation from employment?
- COBRA and coverage transitions?
- Medicare eligibility transitions?
- Other benefit-related workforce changes?
If these transitions are showing up across your population, Benefits Beyond Work may be a useful resource.
Why this population matters
The system records the change. The household still has questions.
Employment and eligibility changes move through payroll, HR, and benefits systems first. What often follows for the member is a personal coverage question the workplace program is not designed to answer.
The next step is personal
Individual and household coverage decisions happen one situation at a time, outside plan administration.
A pathway can be made available
The provider can make the Benefits Beyond Work pathway available at an appropriate transition point, and the member chooses whether to engage.
How we help
How Benefits Beyond Work can help.
Some populations need education. Some need individual help. Many need both.
Referral and access pathways
Referral pathways, embedded links, or transition communications can make the Benefits Beyond Work pathway available at an appropriate point. The member decides whether to engage.
Co-branded education and transition campaigns
Educational content, virtual sessions, and transition campaigns can be offered where a client population makes them relevant.
Human guidance for the member
Handoffs to a Financial Relationship Manager™ give members and household members a person to talk with about personal coverage questions.
A structured way to think about the transition
Technology can help identify or facilitate the benefit transition. The Benefit Continuity Framework™ provides a structured approach for understanding what may need attention, and Benefits Beyond Work provides human guidance and access to appropriate personal insurance solutions.
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:
- Providers supporting populations that regularly experience eligibility or employment changes
- Platforms where a benefit transition is already part of the member experience
- Providers looking for a downstream resource rather than an added internal service
- Interest in referral pathways, embedded links, or transition communications
- Interest in co-branded education or virtual sessions for client populations
- A preference for member-initiated engagement rather than data sharing
Virtual education
Virtual education for your people.
Virtual education can be offered where client populations are approaching Medicare, preparing for retirement, or moving beyond workplace coverage.
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.
- Leaving Employment
- Loss of Benefit Eligibility
- Part-Time
- Reduction in Hours
- Retiring
- Approaching Medicare
- Medicare Eligible
- COBRA & Coverage Transitions
A spouse or household member may have a different coverage and eligibility situation, so we look at the household together rather than one person in isolation.
Positioning
A Complement, Not a Replacement
Benefits Beyond Work is a complementary downstream resource. We do not replace the technology provider, the employer benefit program, or the broker or consultant, and we do not administer plans or make eligibility determinations. Members and their households remain at the center of the experience.
Relevant solution areas
What tends to be relevant for this population.
Depending on the person's situation, one or several of these areas may become relevant.
Healthcare
Personal medical, dental, and vision options when workplace coverage isn't available, is changing, or needs additional support.
Medicare
Education and personal coverage guidance for Medicare-eligible people and households.
Protection
Personal protection education and coverage where it is relevant to the population and situation.
Retirement
Insurance-based retirement and income-protection solutions for people preparing for or living in retirement.
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.
A separation or termination event
A member leaving employment may want to understand what personal coverage could follow workplace coverage.
A reduction in hours
A member losing benefit eligibility may ask where to look for individual healthcare coverage.
A retirement or Medicare transition
A member retiring or approaching Medicare eligibility may want guidance on timing and personal coverage decisions.
Where Do Benefit Transitions Show Up in Your Platform?
Tell us where these transitions occur most often and we'll walk through how a pathway could be made available to members.
Related
Other places these needs show up.
Benefit Plan Sponsors
You can provide a strong benefits program and still have employees who eventually move beyond it. Medicare eligibility, retirement, changes in hour...
Brokers, Consultants & General Agencies
You help clients build strong benefit programs. But even a well-designed group strategy eventually encounters people who fall outside eligibility, ...
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.