Foothills Benefits Solutions

Benefits That Actually Work
For Everyone.

We bring education, enrollment support, and industry-leading technology to voluntary and supplemental benefits — at no cost to employers or brokers.

Who are you?
94k+
Companies Served
4.1M
Workers Protected
$745M+
Claims Paid Annually
$0
Cost to Partners

More Than Benefits.
We Build Understanding.

Too many employees have benefits they don't understand and never use. Foothills exists to change that — through education, communication, and enrollment support that puts employees first.

📚
Benefits Education
Plain-language education that helps employees make confident decisions during enrollment.
🤖
AI Technology (HYKE)
Our AI-powered platform guides employees through benefits selection intelligently and instantly.
📋
Enrollment Support
Dedicated enrollment specialists manage every step — from communication to completion.
📞
Claims Assistance
We walk employees through claims, reducing friction and stress during life's hardest moments.

Two Audiences.
One Commitment to Excellence.

Whether you're an employer looking to attract and retain top talent, or a broker building a stickier, more profitable book of business — Foothills has a dedicated path for you.

HYKE: Benefits Intelligence,
Reimagined.

HYKE is our AI platform that personalizes benefits education and enrollment guidance for every employee, every time.

AI-Powered Guidance 75+ HR Integrations Digital Enrollment Multilingual Support Real-Time Analytics Mobile Friendly
🧠
Smart Recommendations
Personalized benefit suggestions based on employee life events and needs.
📊
Employer Dashboard
Real-time participation tracking and enrollment analytics for HR teams.
💬
Benefits Chat
24/7 AI chat answers employee questions about coverage, claims, and options.
🔗
Seamless Integration
Connects to your existing HRIS, payroll, and benefits administration systems.

Built For Every Workplace

From small businesses to large enterprises, school districts to municipalities — we tailor our approach to fit your workforce.

🏠

Small Employers

Benefits programs designed for teams of 2–99 that compete with the big guys for talent. No minimum headcount, no complexity.

2–99 Employees No Minimum Simple Enrollment
🏢

Large Employers

Scalable enrollment infrastructure, robust technology, and dedicated account management for complex, multi-site organizations.

100+ Employees Multi-Location Custom Programs
🏛️

Public Sector

Specialized expertise for government employers, school districts, municipalities, and public institutions with unique needs.

Government Schools Municipalities

Backed by Industry Leaders

We represent two of the most trusted names in worksite and voluntary benefits.

Colonial Life

Fortune 500 · Unum Group
94k+
Companies served
80+
Years experience
4.1M
Workers protected
43k+
Annual enrollments
$745M+
Claims paid annually
10+ yrs
Avg client tenure

Products Available

AccidentCritical IllnessCancer Hospital IndemnityDisabilityTerm Life Permanent LifeDental & VisionTelemedicine Identity ProtectionLegal Services

Unum Group

$1.8B Inforce Premium
$1.8B
Inforce premium
5k+
Benefits counselors
8k+
Active agents
800+
Independent agencies
50
States covered
A+
Financial strength

Products Available

Long Term DisabilityShort Term Disability Term LifeVisionPet Insurance ICHRA SolutionsStudent Loan AssistFinancial Wellness
✦ For Employers & HR Leaders

Benefits Your Employees
Will Actually Use.

Foothills brings education, technology, and dedicated enrollment support to your workforce — at zero cost to you. We handle the complexity so your team focuses on what matters.

What Are Voluntary Benefits?

Financial Protection When Life Happens

Voluntary benefits are supplemental insurance products offered through the workplace that employees choose and often pay for themselves through payroll deduction — at group rates they couldn't access on their own.

Unlike major medical, voluntary benefits pay cash directly to employees to cover the out-of-pocket costs that health insurance doesn't — lost wages, deductibles, childcare, rent, and more.

Accident Insurance
Critical Illness
Cancer Coverage
Hospital Indemnity
Short-Term Disability
Life Insurance
Dental & Vision
Telemedicine
67%

Employees Want More Benefits Education

Most employees enroll in benefits they don't fully understand. Better education leads to higher participation and greater satisfaction.

78%

Benefits Impact Retention Decisions

Nearly 4 in 5 employees say their benefits package is a major factor in deciding to stay with their employer.

$0

Cost to Employers

Our enrollment support, education programs, and technology are provided at no direct cost to employers. Employees fund coverage through payroll deduction.

One Partner. Every Employer.

We adapt our approach to your workforce, your challenges, and your goals.

Small Business Benefits That Compete With the Big Guys

You don't need 500 employees to offer a competitive benefits package. Foothills gives small employers access to Fortune 500-level voluntary benefits programs — with full enrollment support and zero administrative burden on your team.

No minimum group size requirements
Individual enrollment at group pricing
Simple payroll deduction setup
We handle all employee communication
One-on-one enrollment counseling available
Attract and retain talent with better benefits

Why Small Businesses Choose Foothills

92%
Of employees feel more valued when offered voluntary benefits
3x
Higher retention at companies with strong benefits communication
0
Administrative cost to the employer

Enterprise-Scale Benefits Programs, Expertly Managed

Large employers need more than a product — they need a partner who can handle complex enrollment logistics, multiple locations, diverse workforces, and deep HR system integrations. Foothills delivers.

Multi-site and multi-shift enrollment support
75+ HRIS and payroll integrations via HYKE
Dedicated account management team
Custom communication campaigns
In-person and virtual enrollment options
Bilingual enrollment counselors available

Enterprise Impact

43k+
Annual enrollments supported by our network
75+
HR technology integrations available
10+
Average client tenure in years

Specialized Benefits Expertise for the Public Sector

Government employers, school districts, and municipalities operate under different rules, budget constraints, and compliance requirements. Foothills understands the public sector and builds programs that fit.

Section 125 / Cafeteria Plan expertise
School district and union workforce experience
Government-compliant enrollment processes
Budget-neutral program design
On-site enrollment for non-desk workers
Coordination with existing public benefits

Public Sector Expertise

20+
Years serving public sector employers
100%
Compliance with public plan regulations
$0
Budget impact to the employer

We Handle Everything
So You Don't Have To

From the first employee meeting to the last claim payment, Foothills is your benefits partner every step of the way.

📣

Benefits Communication

Custom email campaigns, benefit guides, video explainers, and multilingual materials that ensure every employee knows what they have and how to use it.

👥

Enrollment Support

On-site, virtual, and 1-on-1 enrollment options with trained benefits counselors who help employees choose the right coverage for their life and budget.

🤖

HYKE Technology

Our AI platform provides personalized guidance, digital enrollment, and year-round support — integrating seamlessly with your existing HR systems.

📋

Claims Advocacy

When employees need to file a claim, we guide them through the process — reducing confusion, speeding payments, and showing your workforce you care.

📊

Analytics & Reporting

Real-time dashboards track participation, employee satisfaction, and program effectiveness so HR can demonstrate value to leadership.

🔄

Year-Round Support

Benefits questions don't stop after open enrollment. We provide ongoing employee support 365 days a year — not just during enrollment windows.

A Product for Every Need

We offer a comprehensive suite of voluntary and supplemental benefit products, all backed by Colonial Life and Unum Group.

Accident Insurance

Cash benefits for injuries from accidents — ER visits, fractures, dislocations, and more.

❤️

Critical Illness

Lump-sum payment for major diagnoses like heart attack, stroke, and organ failure.

🎗️

Cancer Coverage

Financial protection for cancer diagnoses, treatment, and recovery expenses.

🏥

Hospital Indemnity

Daily cash benefits for hospital stays, ICU confinement, and related treatments.

💼

Short-Term Disability

Income replacement when illness or injury prevents an employee from working.

🛡️

Life Insurance

Term and permanent life options to protect families from financial hardship.

🦷

Dental & Vision

Affordable dental and vision coverage to complement major medical plans.

📱

Telemedicine

24/7 virtual doctor access for employees and their families — no co-pay required.

Beyond Voluntary — Employer-Paid Protection

Through our partnership with Unum Group, we also help employers offer company-paid benefit programs that protect their workforce and strengthen their benefits package — at a group rate that individuals can't access on their own.

🏛️
Unum Group Partner
Employer-Sponsored Lines

Unum is one of the largest employee benefits providers in the United States, specializing in group-based, employer-paid and employer-sponsored plans. These programs go beyond voluntary elections — they are part of a comprehensive benefits strategy that attracts and retains top talent.

A+
AM Best Rating
50
States Licensed
175+
Years in Benefits
🔒

Long-Term Disability

Employer-paid income protection for extended illnesses or injuries — typically covering 60% of salary. The most impactful benefit you can offer a salaried workforce.

Employer-Paid
⏱️

Short-Term Disability

Group short-term disability to bridge the gap during recovery. Reduces absenteeism costs and keeps employees financially secure during medical leave.

Employer or Voluntary
🌿

Leave Management

Integrated FMLA and leave management solutions that reduce administrative burden on HR while ensuring compliance and continuity for employees on leave.

HR Administration
💡

Additional Unum Lines

Group Term Life, Vision, Pet Insurance, Student Loan Assistance, Financial Wellness programs, and ICHRA solutions — all available through a single relationship.

Full Suite Available
Why Employer-Paid Benefits Matter

LTD alone can be the difference between an employee staying or leaving.

When employees face a serious health event, employer-paid disability coverage is often the only thing standing between them and financial crisis. Offering it signals that you invest in your people — not just their productivity.

Group rates employees can't get individually
Tax advantages for employer-paid premiums
Simplified enrollment — no individual underwriting
Foothills handles all administration at no extra cost

Benefits Are Your Secret Weapon for Talent.

In today's competitive labor market, the employers who win the talent war understand one thing: people don't just work for paychecks. They work for workplaces that show they care.

A well-communicated voluntary benefits program tells your employees: "We've thought about what happens when life gets hard — and we've got your back."

78%
Of employees say benefits are a deciding factor in staying with their employer
60%
Would take a job with better benefits over one with a 10% higher salary
2x
More likely to be satisfied with their job when they understand their benefits
$0
Direct employer cost for our enrollment and education programs

Your Workforce, Your Way.
We Meet Employees Where They Are.

Every business is different. Every employee is different. That's why we don't force a one-size-fits-all enrollment experience — we bring the right solution to wherever your people are.

🏢

In-Person 1-on-1

A dedicated benefits counselor sits down with each employee at your worksite — answering questions, explaining options, and guiding them to the right coverage.

On-Site Personal All Shifts
💻

Virtual Enrollment

Video-based 1-on-1 sessions with a licensed counselor — ideal for remote workers, distributed teams, or employees who prefer to enroll from home.

Remote Friendly Flexible Hours
📞

Telephonic

A simple phone call with a benefits counselor — no video required. Perfect for employees who aren't tech-savvy or prefer a more traditional experience.

Simple No Tech Needed
🤖

HYKE AI Platform

Our AI-powered platform walks employees through personalized benefit recommendations at their own pace — answering questions and guiding decisions 24/7.

AI-Guided 24/7 Access Personalized
📱

Self-Enrollment

Employees who prefer to move at their own pace can enroll digitally — with clear benefit summaries, comparison tools, and decision support built in.

Anytime Self-Guided Mobile Ready
🌐

Multi-Location & Multi-Shift Coverage

We coordinate enrollment across all your sites, shifts, and schedules — including nights, weekends, and non-desk workers who are hardest to reach.

🗣️

Bilingual Enrollment Counselors

Spanish-speaking counselors are available to ensure every employee — regardless of language — gets the same quality guidance and understanding.

📣

Pre-Enrollment Communication Campaigns

We build custom email, text, and print communication campaigns that prime your employees before enrollment opens — driving awareness and participation.

📊

Post-Enrollment Reporting

Once enrollment closes, you receive a complete participation report — who enrolled, what they chose, and where gaps remain so you can plan ahead.

Whatever Your Team Needs — We Make It Work.

Mix and match enrollment methods, or let us recommend the right approach for your workforce. No rigid process, no extra cost.

Talk to an Enrollment Specialist

Real Results. Real Relationships.

"Before Foothills, our employees signed up for benefits they didn't understand and never used. Now they actually know what they have — and they appreciate it."

HR Director
Healthcare Services Company, 220 Employees

"We're a small shop competing for the same talent as companies 10 times our size. Having this benefits program levels the playing field for us."

Business Owner
Manufacturing Company, 45 Employees

"The enrollment process used to be a nightmare. Now it's handled completely. Our employees love the one-on-one attention and I love not having to manage it."

Director of Operations
School District, 600+ Staff

Ready to Elevate Your Benefits Program?

Let's build a program that your employees will love — at no cost to your organization. Enter your email and we'll reach out within one business day.

No sales pressure. Just a conversation about what's possible for your team.

✦ For Brokers & Benefits Advisors

The Partner That Makes
You Indispensable.

Foothills isn't just another carrier rep. We're a full-service enrollment and technology partner that helps you win more clients, retain them longer, and grow your revenue — backed by Colonial Life and Unum.

Everyone Has Product.
We Bring Something More.

Any carrier can offer competitive rates. What your clients need — and what keeps them — is service, education, and support. That's our specialty.

01
🎓
Enrollment Intelligence
We don't just process enrollments — we educate employees so they enroll in what they need. Higher participation means better persistency and more premium.
02
🤖
HYKE AI Platform
A proprietary AI that makes your offering look cutting-edge. HYKE handles employee questions, guides decisions, and integrates with 75+ HR systems.
03
📞
Claims Advocacy
When your clients' employees file claims, we help navigate the process. Happy claimants mean renewals. Claims support is the single biggest differentiator we offer.
04
📈
Revenue Growth
We help you expand lines of coverage, increase participation rates, and add supplemental products that create meaningful new revenue per account.

More Than Product Placement.
A True Partnership.

Here's exactly what you get when Foothills is in your corner — from first pitch to ongoing account management.

👥

Full-Service Enrollment Support

We manage the entire enrollment process — communication, scheduling, employee meetings, 1-on-1 counseling, and digital enrollment — so you can focus on winning new business, not managing logistics.

On-site, virtual, and hybrid enrollment options
Bilingual benefits counselors available
Custom employee communication campaigns
Pre-enrollment surveys and needs analysis
🤖

HYKE: AI-Powered Benefits Technology

HYKE positions you as a technology-forward advisor. Your clients get enterprise-grade benefits technology. You get a reason to keep that account for years.

AI decision support for employees
75+ HRIS and payroll integrations
Real-time broker analytics dashboard
Digital enrollment at no extra cost
📞

Claims Support & Advocacy

Claims support is the moment of truth. We walk employees through the claims process, follow up on pending claims, and ensure your clients see the real value of what they've purchased.

Dedicated claims advocates on staff
Faster claims resolution for employees
Proactive follow-up on pending claims
Client renewal retention through claims value
📐

Proposal & Case Design Support

We do the back-office work. From census analysis to benefit recommendations and employer presentations, Foothills supports your sales process so you look like the expert you are.

Custom enrollment proposals and presentations
Census analysis and benefit benchmarking
Co-branded marketing materials
Rapid turn-around on quote requests
Powered by AI

Give Your Clients Technology
They've Never Seen Before.

HYKE isn't just an enrollment platform — it's a competitive advantage. When you walk into a pitch with HYKE, you're no longer just another broker with a Colonial Life appointment.

🧠

AI Benefits Counselor

Guides each employee through personalized benefit recommendations based on their life stage, family, and financial situation.

🔗

75+ HR System Integrations

Built to connect with the platforms brokers and employers already use — from HR administration to benefits administration to payroll.

Employee Navigator Ease bswift ADP Workday UKG Paylocity Paychex + 67 more
📊

Broker Analytics Dashboard

You see participation rates, enrollment trends, and account health in real time — making your QBR conversations data-driven.

🤝

Stickier Client Relationships

Technology integrations are hard to unwind — creating natural long-term retention.

📈

Higher Participation Rates

AI guidance drives more employees to enroll, meaning more premium and better persistency.

Faster Implementation

Pre-built integrations mean your clients are live in days, not months.

💰

Zero Cost to Brokers

HYKE access is provided at no cost to you or your clients as part of our partnership.

🔒

Your Brand, Our Engine

Co-branded HYKE deployments so your clients associate the technology with you.

More Lines. More Revenue.
More Reasons to Stay.

Voluntary and supplemental benefits create new revenue streams within accounts you already have — and make those accounts far less likely to leave.

1

Assess the Account

We analyze the group's current benefits, workforce demographics, and gaps in coverage to identify the highest-impact opportunities.

2

Design the Solution

Foothills builds a custom supplemental program recommendation — including product mix, pricing, and a communication strategy tailored to the workforce.

3

Execute the Enrollment

Our team manages the entire enrollment process. You stay in front of the client while we do the work.

4

Retain & Grow

Ongoing claims support, HYKE technology, and year-round service make renewals near-automatic and open conversations about additional lines.

Additional Lines We Help You Place

Beyond voluntary benefits, Foothills can help you expand into adjacent lines that deepen your relationship with each account:

Short & Long Term Disability
Group Life & AD&D
Dental & Vision (Group)
ICHRA Solutions
Pet Insurance
Student Loan Assistance
Financial Wellness Programs
Identity Protection
Legal Services Plans
Telemedicine & Wellcard
Talk Revenue Strategy

We Meet Your Clients' Employees
Wherever They Are.

Every employer has a different workforce. Every workforce has different needs. That's why Foothills doesn't lock you — or your clients — into a single enrollment model. We bring whatever the group needs to get it done right.

🏢

In-Person 1-on-1

Our licensed counselors go on-site and meet individually with each employee — building the kind of trust that drives participation and keeps clients renewing.

On-Site High Participation All Shifts
💻

Virtual Enrollment

Video-based 1-on-1 sessions that serve remote workforces, multi-location groups, or any client who can't accommodate on-site enrollment.

Remote Groups Flexible Scheduling
📞

Telephonic

A counselor-guided enrollment over the phone — ideal for clients whose employees work in environments where screen time isn't an option.

Field Workers Manufacturing No Tech Required
🤖

HYKE AI Platform

Your competitive advantage. HYKE guides employees through personalized benefit decisions with AI — making you look like the most tech-forward advisor in the room.

AI-Powered Branded for You 24/7
📱

Self-Enrollment

Digital self-service enrollment for clients who want to empower employees to go at their own pace — with built-in decision support so choices are still informed.

Digital-First Employee-Led Scalable
🔧

We Handle the Logistics — You Stay Client-Facing

Foothills manages all enrollment scheduling, employee communication, counselor coordination, and reporting. You focus on growing your book, not managing enrollments.

🗣️

Bilingual Counselors Available

Spanish-speaking enrollment counselors ensure your clients' entire workforce is covered — a meaningful differentiator for groups with diverse employee populations.

📋

Custom Communication Strategy Per Group

We build pre-enrollment campaigns — emails, text alerts, benefit guides, and print materials — tailored to each client's workforce, culture, and communication style.

📈

Higher Participation = More Premium

Our counselor-led model consistently outperforms self-service-only enrollment. More enrollees means more premium, better persistency, and a stronger case for renewal.

Mix, Match, and Customize for Every Client.

Some groups need in-person. Some need HYKE. Some need all five. We work with you to design the right enrollment solution — at no cost to you or your clients.

Talk Enrollment Strategy

Trusted by Benefits Advisors.

"I stopped trying to manage enrollments myself when I partnered with Foothills. Now I actually grow my book instead of babysit it. My clients are happier and my revenue per account is up significantly."

Independent Benefits Broker
Colorado, 12-Year Foothills Partner

"HYKE changed how my clients think about me. I'm not just the benefits broker anymore — I'm the advisor who brought them technology that actually works."

Employee Benefits Advisor
Regional Brokerage, Denver CO

"Claims support is the thing nobody talks about but everyone needs. Foothills helps my clients' employees through the claims process — and every one of those moments is a renewal I don't have to fight for."

Senior Benefits Consultant
Multi-State Practice

Ready to Build Something Bigger Together?

Join the brokers who've made Foothills a cornerstone of their practice. Let's talk about what we can build for your book of business.

No cost to partner. No obligation. Just opportunity.

✦ Let's Connect

Reach Out to Nate.

Whether you're an employer looking to elevate your benefits program, or a broker ready to grow your book of business — Nate is here to help. No pressure, just a real conversation.

NG
Your Benefits Partner

Nate Geremia

Foothills Benefits Solutions

"Whether you're building a benefits program from scratch or looking to get more out of the one you already have — reach out. Every employer and every workforce is different, and I'm here to find the right fit for yours."

— Nate Geremia
What to Expect
1
A quick conversation to understand your situation — no jargon, no pressure.
2
A tailored overview of how Foothills can help your team or practice.
3
A clear next step — whether that's a proposal, a demo, or a site visit.
Send a Message

How Can We Help You?

Fill out the form below and Nate will personally follow up within one business day.

No spam. No pressure. Just a real conversation.

Prefer to Reach Out Directly?

Nate is just a call or email away.

No gatekeepers, no automated phone trees — just Nate, ready to talk through what your workforce needs.

📱 Call (774) 270-3940 ✉️ Send an Email