Medicare
Guidance around Medicare eligibility, timing, and how Medicare may interact with workplace coverage.
Benefits for What’s Next.
Personal insurance for life changes.
- Medicare.
- Healthcare.
- Retirement.
- Legacy.
Benefits Beyond Work helps members and their families navigate personal insurance when workplace benefits aren’t available, when eligibility changes, and as life creates new needs.
Coverage across the household
- Working part-timeHealthcare
- Changing jobsCoverage transition
- Growing a familyProtection
- Approaching 65Medicare
- Planning aheadRetirement & Legacy
One household can hold several of these at once.
Start here
Start With What's Changing
Most people don't come to us looking for a product. They come because something changed — at work, at home, or in life. Pick the change that fits and we'll work outward from there.
One connected experience
One Household. Four Connected Areas.
Medicare, healthcare, retirement, and legacy are four parts of one relationship — not four unrelated business lines. A change in one usually moves the others, so we look at them together.
Healthcare
Individual and family medical, dental, and vision options when workplace coverage isn't available or is ending.
Retirement
Insurance-based solutions that address income, longevity, and protection needs in retirement.
Legacy
Life insurance, beneficiary preparedness, financial-account organization, and household benefit continuity.
Household approach
Benefits don’t exist in isolation.
Neither do people.
One change rarely stays with one person. When something changes for one household member, it can create Medicare, healthcare, retirement, protection, beneficiary, or legacy needs for someone else at home. We start with the household, not a single transaction.
One person retires at 65
Medicare
Coverage for the person retiring.
Healthcare
Individual coverage for a younger spouse or dependents.
Retirement
Income considerations for the household.
Legacy
Life insurance, beneficiary, and legacy considerations for the family.
One retirement date. Four connected conversations.
For organizations
Beyond Traditional Benefit Eligibility
Workplace benefits are built around full-time eligibility. Many people sit outside that line, or eventually move beyond it. Benefits Beyond Work gives benefit plan sponsors, brokers and consultants, PEOs, and associations a place to send those populations — alongside existing programs, not in place of them.
Part-Time & Seasonal
Employees who may not meet traditional benefit eligibility requirements.
Medicare Eligible
Employees and household members approaching or navigating Medicare.
Retirees
People transitioning from workplace benefits into the next stage.
COBRA & Coverage Transitions
People evaluating what comes after employer-sponsored coverage.
Loss of Eligibility
Employees and dependents whose eligibility changes.
Workforce Transitions
People affected by job changes, reductions, leaves, retirement, or other employment transitions.
Insights & research
Understand what's changing — and what it means.
Research, education, and practical guidance about benefit eligibility, life and work transitions, household needs, and the decisions that come with them.
Get started
What’s Changing?
Start with the change, not the product. We’ll help you find the right place to begin.
I’m looking for myself or my family
Tell us what’s changing and we’ll help you see the options for your household across Medicare, healthcare, retirement, and legacy.
Tell Us What’s ChangingI represent an organization
Support the populations traditional benefits don’t fully reach — part-time, seasonal, retiring, Medicare-eligible, and transitioning members.
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