Hi, I'm Steven Swyers
Benefits strategy expert & advisor
Benefits Built From The Ground Up
I help companies navigate the complex world of employee benefits, creating tailored solutions that protect what matters most while maximizing value and cost-effectiveness.
Why Small Businesses Work With Me
Your employees are more than just staff, they’re the heartbeat of your business. I help you provide the high-level care they deserve through a structured strategy that makes the numbers work for you, not against you.
That's where the Benefits House Framework comes in.
It gives you clarity, structure, and control over your benefits instead of reacting to another painful renewal, while simultaneously providing the highest levels of healthcare to your employees.
Building Benefits From The Ground Up
A simple, powerful framework for building benefits that work in the real world.
Foundation
Income & Family Protection
When an employee faces a medical crisis, their biggest fear isn't the diagnosis, it's how they'll pay their bills while they recover.
Short-Term & Long-Term Disability:
The cornerstone of financial protection. Replaces income during illness or injury so employees can recover without financial panic.
Accident Insurance:
Provides cash for out-of-pocket costs from injuries.
Critical Illness Coverages:
A lump-sum payment for serious diagnoses like cancer or a heart attack.
Hospital Indemnity:
Pays cash benefits for hospital stays, helping cover/off-set health plan deductibles. Highly customizable options to tailor for your business
Life Insurance:
The Ultimate family protection.
Walls
Everyday Access & Care
When employees have easy, affordable access to care, they use it. This dramatically helps prevent small problems from becoming expensive emergencies. Implementing Direct Primary Care reduces pressure and allows for more flexibility in your major medical strategy.
Direct Primary Care:
Unlimited, direct access to a primary care doctor for a flat monthly fee ($50-$80). No deductibles, no copays. Proactive care.
24/7 Virtual Health:
Instant access to doctors by phone or video. Reduces time off work and unnecessary ER visits.
Dental & Vision:
Highly valued benefits that keep employees healthy and productive.
Roof
Designing a Smarter Major Medical Strategy
When you have a strong Foundation and Walls, your major medical plan no longer has to do all the heavy lifting. Your major medical plan becomes a strategic tool, not a reactive expense.
Smarter Plan Design:
When you build a benefit strategy the right way, carefully designing each layer of your "benefit house", your major medical options become a simple funding mechanism for the house you have built. Options become clear and controlled.
Flexible Plan Types:
Choose the right fit for your business. From fully-insured and level-funded plans to innovative self-funded solutions.
Proactive Cost Control:
Together we will maintain effective communication on a consistent basis throughout the the year. Once plan renewals are 90-120 days out, you will already know what cost-containment strategies are being implemented, thus stabilizing premiums for the long-term.
How The Layers Work Together: A Real-World Scenario
The Situation: An employee is diagnosed with cancer
Foundation: Income Protection
Their critical illness policy pays out $20,000 for non-medical expenses (travel, childcare, mortgage). Their short-term disability replaces 60% of their income while they're out of work. They can pay their bills without financial panic.
Walls: Everyday Care
Their Direct Primary Care physician coordinates care, helps them navigate treatment options, and provides ongoing support. Telehealth allows them to check in with doctors between appointments without extra trips.
Roof: Major Medical
Their group health plan covers chemotherapy, surgery, and hospital stays. Because they have critical illness and hospital indemnity coverage, they can afford their deductible without financial stress.
The Result: The employee gets the care they need without financial disaster. Your major medical plan pays claims, but the foundational benefits prevent the employee from going into debt or leaving the company due to financial stress.
A Better Strategy Delivers Better Results
Reduces Emergency Visits
When employees have easy access to primary care, they use it. Small problems get caught early and treated affordably, preventing expensive ER visits.
Stabilizes Premiums
Fewer claims mean more predictable renewals. Your rates stabilize instead of shocking you every year.
Reduces Financial Stress
Your team isn't worried about deductibles or medical debt. They can focus on their jobs and their families.
Gain A Competitive Edge
Employees feel protected. They know their income is secure and their healthcare is accessible. That's powerful retention.
How We Work Together
20-30 minutes to discuss your goals, team size, current plan, and budget. No pressure, just a conversation to see if we're a good fit.
I show you how the Benefits House Framework applies to your business. We identify gaps in your current coverage and opportunities to improve value.
You see real numbers, not estimates. I model different plan options so you can compare costs, coverage, and employee impact side by side.
Once you choose a direction, we design and implement your Benefits House. Major medical, foundational benefits, and everyday care access—all working together.
I stay with you year-round, not just at renewal. You have direct access to me for questions, claims issues, employee support, and strategic planning.
Who I Am
I'm Steven Swyers, an independent benefits strategist based in Missouri. I'm a husband and a dad of four. I care deeply about helping people protect what matters most.
For years, I watched small business owners struggle with the same cycle: rising premiums, shrinking coverage, and frustrated employees. I realized the problem wasn't just the cost, it was that benefits were being built backwards.
That's when I started using and tweaking the Benefits House Framework. By starting with a stable foundation of income protection, building walls of everyday care access, and then adding major medical as the roof, I could help businesses create benefits that actually work.
Today, I work exclusively with small businesses because that's where I can make the biggest impact. You don't get a corporate account manager. You get me. Direct access. Local support. Real solutions.
More Info
Important Questions
Is Offering Group Benefits Right for My Business?
Yes! Group Benefits are ideal for businesses seeking to attract skilled talent and improve workforce morale. Customizable plans allow you to match the unique needs of your team while managing costs effectively.
How Much Should I Budget for Group Benefits?
Costs vary depending on the size of your team and the level of coverage you select. Studies show that 82% of employees say a good benefits package impacts their decision to stay at a company.
Can I Offer Benefits to Part-Time Employees?
Yes, many plans offer flexible options for part-time team members, ensuring inclusivity and support for your entire workforce.
What Types of Benefits Have the Most Impact?
Health insurance, retirement savings, and wellness programs are highly valued by U.S. employees, with 49% prioritizing benefits over pay. Offering these can significantly improve satisfaction and retention.
How do I Sign Up?
Schedule a consultation to customize a Group Benefits plan for your team and get started quickly. We'll guide you every step of the way.
More Info
Important Questions
Is Offering Group Benefits Right for My Business?
Yes! Group Benefits are ideal for businesses seeking to attract skilled talent and improve workforce morale. Customizable plans allow you to match the unique needs of your team while managing costs effectively.
How Much Should I Budget for Group Benefits?
Costs vary depending on the size of your team and the level of coverage you select. Studies show that 82% of employees say a good benefits package impacts their decision to stay at a company.
Can I Offer Benefits to Part-Time Employees?
Yes, many plans offer flexible options for part-time team members, ensuring inclusivity and support for your entire workforce.
What Types of Benefits Have the Most Impact?
Health insurance, retirement savings, and wellness programs are highly valued by U.S. employees, with 49% prioritizing benefits over pay. Offering these can significantly improve satisfaction and retention.
How do I Sign Up?
Schedule a consultation to customize a Group Benefits plan for your team and get started quickly. We'll guide you every step of the way.
Looking for a First-Class Group Benefits Consultant?
Looking for a First-Class Group Benefits Consultant?
Worksite Innovations Insurance Group is committed to serving you at the highest level with all your employee benefits needs.
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Worksite Innovations Insurance Group is committed to serving you at the highest level with all your Employee Benefits needs.
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