Eligibility varies by client
Hours thresholds, waiting periods, and classes differ, so the outside-the-plan population differs.
PEOs
One resource across many client workforces.
PEOs may support multiple client organizations with different workforce structures, eligibility rules, and transition needs. Benefits Beyond Work can provide scalable access to education and individual insurance support for the populations moving beyond traditional benefit eligibility.
Why this population matters
Different clients, different edges.
Because eligibility rules vary client by client, the people who fall outside them vary too. That makes the non-eligible and transitioning population harder to serve consistently — and easy to leave unserved.
Worksite populations are distributed
Support has to work across geographies, which is where a virtual model helps.
The questions are still individual
Even at scale, Medicare timing and personal coverage decisions happen one household at a time.
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 workforces with meaningful part-time or seasonal populations
- Worksite employees approaching Medicare or continuing to work beyond 65
- Recurring COBRA and eligibility-change activity across client organizations
- Retiring worksite employees each year
- Interest in offering education across appropriate client populations
- A need for individual insurance support without adding internal headcount
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.
- Part-Time
- Seasonal
- Medicare Eligible
- Approaching Medicare
- Retiring
- Working Beyond 65
- COBRA & Coverage Transitions
- Loss of Benefit Eligibility
The support
How Benefits Beyond Work can help.
Some populations need education. Some need individual help. Many need both.
Consistent support across clients
One national, virtual resource rather than a different arrangement for each client organization.
Education across appropriate populations
Virtual sessions can be offered where a client's population makes Medicare or retirement education relevant.
Individual consultations
Worksite employees and their household members can get one-to-one help with personal coverage.
No added administration
We don't administer your plans or make eligibility determinations.
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.
Healthcare
PrimaryPersonal medical, dental, vision, and supplemental health options when workplace coverage isn't available, is changing, or needs additional support.
Medicare
SignificantEducation and personal coverage guidance for Medicare-eligible members and households.
Legacy
ContextualLife insurance and protection review, beneficiary preparedness across financial accounts, and household benefit continuity as members and their families plan ahead.
Retirement
SituationalInsurance-based retirement and income-protection solutions for members preparing for or living in retirement.
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 complements the benefits you already deliver to eligible worksite employees. We focus on the populations outside those rules and on people transitioning beyond them.
Virtual education
Virtual education for your people.
Virtual education may be offered across appropriate client populations — most often where a client workforce includes meaningful numbers 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 seasonal client workforce
Crews outside benefit eligibility still need individual healthcare coverage.
A client with late-career employees
Employees turning 65 while still working want to understand how coverage may coordinate.
Ongoing COBRA conversations
People leaving a client organization ask what comes after workplace coverage.
Let's look at the populations across your client base.
Tell us where eligibility rules leave people without a resource, and where transitions happen most often.
Related
Other places these needs show up.
Beyond Benefit Eligibility
Part-time, seasonal, reduced-hours, COBRA, and departing populations often sit outside plan eligibility while still needing personal coverage. Bene...
Brokers & Consultants
Even a comprehensive employee-benefits strategy may include populations that fall outside eligibility or eventually transition beyond the group pla...
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.