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 need to know what they have, what continues, what may port or convert, and what simply ends. Most organizations can explain the plan side. The individual side is where people get stuck.
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.
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
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.
- Workforce Reductions
- Retirement Programs
- Leaving Employment
- Reduced Hours
- Job Changes
- Loss of Benefit Eligibility
The support
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.
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?
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
SignificantPersonal medical, dental, vision, and supplemental health options when workplace coverage isn't available, is changing, or needs additional support.
Legacy
RelevantLife 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.
Medicare
SituationalEducation and personal coverage guidance for Medicare-eligible members and households.
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 does not administer your plan, determine eligibility or rights, or communicate on your behalf about plan provisions. We support the individual decisions that follow.
Virtual education
Virtual education for your people.
Where a transition group includes meaningful numbers approaching Medicare or retirement, a virtual educational session may be relevant alongside individual support.
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 planned reduction
Affected employees need to understand coverage end dates and what comes next.
A voluntary retirement program
Participants face Medicare, healthcare, and protection decisions at once.
A shift to reduced hours
Employees below the eligibility threshold need individual coverage.
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 often sit outside plan eligibility while still needing personal coverage. Bene...
Benefit Plan Sponsors
Benefits Beyond Work may be especially relevant for organizations with meaningful populations approaching Medicare, preparing for retirement, worki...
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.