Timelines are short
Coverage end dates and election windows can arrive faster than people expect.
Workforce transitions
Employment changes create immediate benefit decisions.
Reductions, retirement programs, schedule changes, and departures can all create decisions for employees and their households — often within a short window, and usually without a place to ask questions.
Why this population matters
The benefit questions arrive with the employment change.
When employment changes, people may want to understand what they have, what continues, what may port or convert, and what ends. Benefits Beyond Work provides an additional resource for the individual side of that review.
Households are involved
A spouse or dependent covered through the plan is affected at the same time.
Some benefits may not have to be replaced
Continuation, portability, or conversion options may exist for certain workplace benefits.
How we help
How Benefits Beyond Work can help.
Some populations need education. Some need individual help. Many need both.
Start with what exists
We begin with current coverage rather than a product recommendation.
Individual support on a deadline
One-to-one help while election and coverage windows are still open.
Household coordination
Coverage for a spouse or dependent may need to be handled separately.
Education where the group is large enough
Where many people face the same change, a virtual session can cover the landscape at once.
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 planned reduction, restructuring, or retirement program
- Recurring departures that end coverage
- Populations moving to reduced hours
- Dependents losing coverage alongside employees
- A need to give affected employees a resource rather than a referral list
- A need for education and individual support delivered on a short timeline
Virtual education
Virtual education for your people.
Where a transition group includes meaningful numbers approaching Medicare or retirement, a webinar may be relevant alongside individual support.
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.
- Workforce Reductions
- Retirement Programs
- Leaving Employment
- Reduced Hours
- Job Changes
- Loss of Benefit Eligibility
The transition questions
Start with what exists, not with what to buy.
What do I have today?
What can continue?
What may port or convert?
What is ending?
Who else in the household may be affected?
What gaps remain?
What support may be needed?
Positioning
Built to complement the existing benefits ecosystem.
Benefits Beyond Work does not administer your plan, determine eligibility or rights, or communicate on your behalf about plan provisions. We support the individual decisions that follow.
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.
A planned reduction
Affected employees need to understand coverage end dates and what comes next.
A voluntary retirement program
Depending on the person, one or more of these areas may become relevant.
A shift to reduced hours
Employees below the eligibility threshold may want to review individual coverage options.
Give affected employees somewhere to go.
Tell us what's changing and when, and we'll talk through what support may be useful.
Related
Other places these needs show up.
Beyond Benefit Eligibility
Part-time, seasonal, reduced-hours, COBRA, and departing populations may sit outside plan eligibility while still having individual coverage questi...
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...
Medicare & Retirement Transitions
Approaching Medicare eligibility and moving into retirement are two significant benefit transitions. They are separate transitions, and for some in...
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.