Employees focus on premium
The smallest payroll deduction can appear to be the least expensive option—even when greater cost exposure sits underneath it.
Group coverage education for today’s workforce
Better benefit decisions begin with better understanding.
Help your employees compare group health coverage, recognize financial risk, and choose benefits with confidence—without placing another burden on HR.
Employee educationDecision supportRetirement readiness
The challenge facing employers
Information alone does not create confidence.
Open enrollment often gives employees a narrow window to make one of their most consequential financial decisions. They compare premiums, deductibles, copays, and networks—but many still do not know how those pieces work together.
HR becomes the help desk
Individual questions multiply, yet HR cannot tell each employee which plan to choose or interpret every personal situation.
Health coverage affects retirement
Unexpected medical costs can interrupt savings, increase debt, and influence when an employee feels financially ready to retire.
A clearer path for your workforce
Benefits education designed around the employee’s real decision.
Legacy by Design equips employees to evaluate coverage through three connected lenses: expected healthcare use, financial risk capacity, and the long-term goals they are trying to protect.
- Understand the language. Premiums, deductibles, coinsurance, networks, formularies, and out-of-pocket limits.
- Compare the trade-offs. Routine costs, high-use exposure, provider access, prescription fit, and HSA opportunity.
- Test real-life scenarios. Imaging, surgery, ongoing prescriptions, emergency care, and time away from work.
- Ask better questions. Employees leave with a verification list for HR, the carrier, providers, or their advisor.
Our employee decision framework
1
Prepare
Identify needs, priorities, and financial guardrails.
2
Understand
Learn how plan costs and coverage rules work.
3
Compare
Place the available options side by side.
4
Test
Apply coverage to realistic care scenarios.
5
Decide
Score finalists and verify unresolved details.
6
Connect
Protect the retirement goals beyond enrollment.
Retire Ready™Employer Edition
Interactive decision experience
Group Health
Success Plan™
Helping Employees Choose Coverage with Confidence
The employee resource
Give every employee a process—not just a packet.
The Group Health Success Plan™ is a guided digital workbook that helps employees compare coverage, manage financial risk, and choose benefits with confidence.
Personal risk profile Annual premium calculator Three-plan comparison Real-Life Test™ Weighted scorecard Print-ready action plan
Employee entries stay on the employee’s device unless the employer elects to connect the experience to an approved benefits platform.
What this gives your organization
Support for employees. Relief for HR. A stronger retirement-readiness strategy.
Better questions
Employees learn what must be verified before enrollment or receiving care.
More confident choices
A repeatable framework helps employees move from comparison to a reasoned decision.
Greater financial awareness
Employees see the connection between healthcare exposure, cash flow, savings, and retirement.
Responsible education
Education supports the decision without directing employees into a particular plan.
Beyond open enrollment
Group coverage is often the first bridge to a larger retirement conversation.
For employees approaching retirement, the health-plan decision touches Medicare timing, Social Security, retirement income, taxes, lifestyle, and legacy. Retire Ready™ helps employees see those transitions as one connected journey.
Explore a Retire Ready™ employee workshop →01Healthcare
02Income
03Tax
04Lifestyle
05Legacy
Designed for growing organizations
A practical fit for employers who want their benefits to be understood and valued.
- Small and mid-sized employers
- Workforces with 20+ employees
- Blue-collar and skilled-trade teams
- Employees nearing Medicare eligibility
- Organizations preparing for open enrollment
- HR teams building retirement-readiness education
A conversation, not a sales pitch
Let’s build a clearer benefits experience for your employees.
We’ll talk about your workforce, current benefit communication, enrollment calendar, and the education your employees need most.
Employer conversation
Robin Bales
Retirement Income & Medicare Specialist
Certified Social Security Advisor
Legacy by Design • Serving Oklahoma employers and their teams