Businessolver

Welcome to the era of anticipatory benefits

Intelligence and service that act before you have to ask.

Benefits technology has been reactive for decades, waiting for employees to click, call, or navigate complexity after problems already occur.
Anticipatory benefits reverse that model.
By recognizing signals early, understanding context, and acting with intention, anticipatory benefits help organizations prevent issues before they escalate—delivering clarity, confidence, and continuity when it matters most.
This isn’t smarter personalization.
It’s a new standard for benefits.

Why anticipatory benefits now?

Personalization improved experiences, but it’s hit a ceiling.
Today’s benefits environment demands more:
• Costs are rising faster than ever
• Decisions are happening earlier and under pressure
• Risk, compliance, and scrutiny are increasing
• Employees expect clarity before confusion sets in
Anticipatory benefits prepare people and organizations before issues arise, turning insight into early action, not delayed reaction.
This isn’t about responding faster. It’s about being ready sooner.
Our CEO's perspective
sofia logo

Powering anticipation

At the center of anticipatory benefits is SofiaSM, Businessolver’s proprietary intelligence layer.
Sofia is embedded across our technology and service operations, translating insight into early action across the entire benefits ecosystem.
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members
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Timely, contextual guidance that helps them understand options, make decisions, and take action with confidence.
two women working and similling
hr teams
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Always-on insight through Benefits Insights Dashboards, helping them see patterns, risks, and opportunities early.
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brokers, advisors, & partners
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With analytics, benchmarks, and foresight that strengthen execution, service stability, and confidence across their client base.
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Service delivery
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Real-time intelligence that surfaces context, history, and next-best guidance to enable thoughtful, accurate responses. Every interaction is captured within a transparent, shared system so our clients have full visibility into how work gets done.

What makes Sofia different

Sofia understands intent, eligibility, history, and behavior to surface relevant guidance – not generic answers.
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Anticipation before issues arise

By connecting eligibility, interaction data, environmental, financial, and service signals, Sofia helps teams act earlier – often before claims or escalations occur.

Ecosystem-wide support

Intelligence moves through systems, workflows, and partners – not around them.

Responsible, governed intelligence

Built and monitored internally, operating within trusted Businessolver data boundaries, and supported by human experts.

See how Sofia anticipates in practice
Explore how Sofia's intelligence powers our entire ecosystem and get the key questions to ask as you evaluate your options.
Read now

Personalization reacts. Anticipation prepares.

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Personalization
  • Responds after someone clicks, asks, or submits
  • Relies heavily on past behavior and claims
  • Helps people who already know what they need
Anticipation
  • Recognizes signals earlier using more diverse data sets
  • Connects health, financial, and life context
  • Acts before deadlines, confusion, or stress escalate

How anticipation becomes action,
 always

Anticipation only works when delivery is consistent.
So we rebuilt our service model so that we can act early, stay accountable, and scale effectively. Anticipatory insights don’t just sit in dashboards or tickets. They trigger workflows, outreach, and resolutions within a single connected system. This is the foundation of the Always Experience for service.
Anticipation sets direction. Operational excellence makes it real.

Always prepared

Seeing what’s coming and acting before pressure hits

Always proactive

Engaging early instead of reacting late

Always accountable

Owning outcomes with transparency and care

How anticipation impacts real-life moments

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Instead of:
  • Discovering enrollment gaps after deadlines
  • Learning about issues after claims post
  • Reacting to call spikes after service breaks
Anticipatory insights:
  • Identify risk earlier
  • Deliver guidance sooner
  • Reduce friction before it compounds

During new hire enrollment, Taylor, 25, shared that she manages multiple daily prescriptions and considers her health below average. Soon after enrolling, she asked detailed questions about pharmacy delivery—signaling a complex medication routine. 
Businessolver recognized these early indicators and proactively connected her to care coordination support. The outreach felt personal and empowering, helping Taylor stay on track while giving her employer a smarter way to reduce future risk and support long-term health.
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Outcomes
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  • Early identification of at-risk members
  • Proactive support before issues escalate
  • Better medication adherence and engagement
  • Reduced avoidable healthcare costs

Sean spends his days on a busy manufacturing line—lifting, bending, and putting his body to work hour after hour. It’s the kind of job where wear and tear adds up long before the first doctor’s visit. Instead of waiting for an injury or an expensive MSK claim, Businessolver steps in early.
Using role and demographic insights, the platform identifies Sean as someone who could benefit from preventive support and meets him with simple, practical guidance—stretching, ergonomic tips, and access to virtual MSK care—right when he’s managing his benefits. No diagnosis. No alarm. Just the right tools to help protect his body and his livelihood.
young man looking at her benefits app showing antecipation message
Outcomes
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  • Employees get support before pain or injury begins
  • Preventive care replaces reactive MSK claims
  • Fewer disruptions, lower long-term costs
  • A workforce that feels protected—not overlooked

Built for visibility and accountability

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We deliver anticipation through a connected system of people, technology, and oversight—ensuring insight turns into action consistently, not occasionally.
Nothing hidden. Nothing assumed.
But anticipation only works when the intelligence behind it is responsible, explainable, and governed.

Resolution That Stays Resolved

Sofia operates under a formal governance model that most competitors simply don’t have. Our structure ensures every AI‑driven insight is transparent, auditable, and accountable.
Our governance framework includes:

AI Center of Excellence

setting standards and quality benchmarks

AI Governance committee

providing cross‑functional oversight

Responsible AI framework

that guides model development and deployment

Watchtower continuous evaluation

monitoring accuracy, bias, drift, and traceability

Employee opt‑in/opt‑out control

giving every member choice over anticipatory or AI‑driven experiences

Governance isn’t behind the scenes—it’s built into the experience.

This isn’t “responsible AI” as a tagline—it’s responsible intelligence as an operating model

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Why It’s Different
  • Auditable outputs with full visibility into what the AI used
  • Bias and accuracy checks on every model
  • Human accountability for all member‑facing decisions
  • Employees in control of how and when AI engages them

Anticipation HR

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Resolution That Stays Resolved

Sofia resolves 91% of inbound chats, with 85% remaining resolved after seven days—measured by whether employees need to come back for help. That reflects real friction removed, not just conversations handled.

Service That Sees What’s Coming

Predictive analytics surface risks before they escalate. Anticipatory communication reaches members before deadlines are missed.

The Result

83 
Client
NPS
97%
Client
retention
Anticipation depends on seeing what’s happening clearly and in real time—and on intelligence you can trust.

What anticipatory benefits deliver

Benefits technology has been reactive for decades, waiting for employees to click, call, or get confused. Personalization helped us modernize the experience and reduce employee confusion—but it’s doesn’t put HR ahead.
Benefits technology should be insightful. Not reactive.

A connected experience

A seamless ecosystem that connects all of your data, systems, people, experiences, and technology.

Whole-person wellbeing

Insights and tech that listen to and address to social, financial, and environmental factors that shape health and productivity within your workforce.

Empowered benefits leadership

Helping HR become key strategic business leaders with actionable intelligence and board-room-ready reports.

Intelligent operations

Scaling empathetic service delivery through adaptive AI and thoughtful automation.

Intelligent Operations

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Empathetic service delivery scaled through adaptive intelligence and automation – designed to act early, stay accountable, and perform under pressure.
What the market typically ships
  • Add-on chat tools
  • Scripted, hard-coded prompts
  • Siloed point solutions
  • Strategy talk without execution
  • Reactionary insights that explain instead of resolve
  • Inflexible roadmaps and third-party governance
What Businessolver delivers
  • Anticipates needs—before you ask
  • Connects the entire benefits ecosystem
  • Turns data into insight—and action
  • Service designed to anticipate, not ticket queues designed to react
  • Governance and accountability at the core

Discover our Benefits Insights Dashboards

If intelligence can’t operate in the real work—intake, cases, documents, deadlines—it isn’t transforming benefits. 
Learn more

Resources for you

Meet sofia resource
Meet Sofia
Explore how Sofia's intelligence powers our entire ecosystem and get the key questions to ask as you evaluate your options.
Read now
Benefits insight cover image
Benefits Insights Report
Our data shows that AI is helping organizations like yours contain costs, manage risk, and drive engagement for improved employee wellbeing year-round.
Read now
Anticipation Letter from CEO resource
News release
While personalization remains foundational technology, we need to address a growing truth: Personalization is not enough.
Read now
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