Benefit Plan Sponsors / Employers
Support employees and households when workplace eligibility does not apply or changes.
Workplace & Benefits Partners
Extend support beyond traditional workplace benefits.
Organizations and intermediaries connected to employers, employment, benefit eligibility, workplace benefits, and benefit transitions can give people a clearer path when needs extend beyond the workplace.
Who this includes
Relationships within Workplace & Benefits Partners.
Connect people to personal insurance and human guidance when benefit eligibility, employment, coverage, retirement, or household needs extend beyond the workplace.
Brokers, Consultants & General Agencies
Extend the existing benefits relationship beyond the group plan without replacing it.
PEOs
Provide client employers and worksite employees a personal-insurance resource beyond traditional benefit eligibility.
Payroll, HR & Benefits Technology Providers
Connect employment and eligibility changes with a human-guidance pathway for what comes next.
Public Sector & Government
Support public employees and retirees across benefit and coverage transitions.
K–12 & Education
Support teachers, administrators, and staff as workplace benefits and retirement circumstances change.
Shared relationship model
Keep the workplace relationship connected to what comes next.
Benefits Beyond Work supports the individual and household questions that may follow a workplace benefit or eligibility change while respecting the employer, broker, consultant, general agency, PEO, platform, or public organization already serving them.
Recognize
Identify populations whose coverage or benefit needs may extend beyond traditional eligibility.
Connect
Make a personal-insurance education and guidance resource available without asking the organization to give individual advice.
Support
Help individuals and households consider relevant next steps based on their own circumstances.
Where this may be relevant
Situations that may create an opportunity to connect someone.
Benefit eligibility changes
Coverage can change because of hours, employment status, plan eligibility, or a dependent's circumstances.
Coverage transitions
COBRA, other continuation choices, and personal healthcare alternatives may need to be understood and compared.
Retirement and Medicare
People may need education and individual support before workplace benefits change or end.
Benefit Continuity Framework
Plan ahead. Respond to change. Support over time.
A workplace-specific framework for helping organizations prepare populations before a transition, respond when benefits or eligibility change, and maintain a connection to personal-insurance support over time.
What we provide
A personal-insurance resource that complements your role.
Education
General education can prepare appropriate populations before individual decisions arise.
Personal-insurance guidance
Individuals can get help understanding relevant options without placing that responsibility on the organization.
A continuing relationship
A Financial Relationship Manager™ can remain a point of contact as relevant needs change.
Individual & household perspective
The relationship continues with the person.
A workplace decision affecting one employee may create different coverage, protection, retirement, or Medicare questions for a spouse, partner, or dependent. We consider those individual circumstances without asking the organization to diagnose them.
From Work to Home
Start with what already exists.
Understand workplace benefits, preserve or optimize what can remain useful, identify what is missing across the household, and consider personal insurance only where an appropriate need remains.
Delivery
Simple for the organization. Personal for the individual.
Educate
Provide virtual education and clear resources before or during a transition.
Connect
Use a straightforward digital path to individual support.
Continue
Maintain a human relationship after the workplace handoff.
Explore
Go deeper where it is relevant.
Coverage Transitions & COBRA Alternatives
Explore support when workplace coverage or eligibility changes.
ICHRA Solutions
Understand the connection between an employer strategy and the individual coverage experience.
Retirement Transition Services™
Education and personal-insurance transition support for retiring employees and their households.
Virtual Education
Explore the current Medicare and retirement education offerings.
Role clarity
Complement the relationship already in place.
Benefits Beyond Work does not replace workplace plans, brokers, consultants, general agencies, PEOs, administrators, or technology providers. We do not administer plans or determine plan eligibility or rights.