Hi, I'm Steven Swyers
Benefits strategy expert & advisor
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
Most Small Business Owners want to treat their people like they are part of the family. You need a benefits strategy that honors that… while still making the numbers work.
That's where my 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:
Flexible Plan Types:
Proactive Cost Control:
Let's Build A Smarter Benefits Plan For Your Team
No pressure. No confusion. Just a simple conversation to see if your current strategy is truly serving you and your employees.
Cost Optimization
Data-driven strategies that offset rising premiums while maintaining premium coverage quality
Financial Fortress
Multi-layered income protection ensuring your employees remain financially stable during medical events
Tailored Strategy
Bespoke benefit architectures designed around your unique business model and workforce needs
Employee Satisfaction
Increase retention and recruitment success with comprehensive, easy-to-understand benefit packages
"The best benefits don’t just check a box. They help your team feel valued and help you keep the people you can’t afford to lose."
Who I Am
I’m Steven Swyers, a husband, dad of four, and independent benefits strategist. I help companies protect their people and control healthcare costs by building smarter, layered benefit strategies that work with or without major medical health insurance.
Who I Serve
I work with locally owned businesses, who:
Want to offer better benefits but can't afford traditional health insurance
Already offers health insurance but wants to reduce deductibles, co-pays, and out of pocket expenses for their employees
Values local service and simple, effective 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.
Legal
Worksite Innovations Insurance Group is committed to serving you at the highest level with all your Employee Benefits needs.
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