r/humanresources • u/Same-Peach-2986 • 4h ago
Benefits [NY] benefits professionals - tell me why my idea is bad (former HR gov staffer)
Hello! Before grad school I was briefly HR professional in the government. Now I'm exploring a startup idea and am trying to talk to people who actually work in HR/benefits before I convince myself it's a good idea.
The basic problem I'm interested in: many hourly/wage employees may qualify for government programs, tax credits, childcare assistance, healthcare subsidies, student-loan programs, paid leave, utility assistance, etc., but figuring out what they are eligible for—and then actually navigating the applications—is incredibly fragmented and time consuming. Whether because they don't know or because it's too hard, people end up leaving a ton of money and benefits on the table .
The idea I'm researching is a benefit that an employer could offer employees that acts as a kind of personal government concierge. With the employee's permission, it could use information the employer already has in HR/payroll systems (income, dependents, address, benefits elections, etc.) to identify things the employee may qualify for, alert them when something changes, and help them actually complete the process.
For example:
-a new employee is added to the company -> the system figures out they are eligible for the earned income tax credit -> the system prepopulates all of the necessary filings -> the employee approves
- an employee adds a child to their benefits -> the system recognizes the life event -> checks relevant federal/state/local programs -> tells them they may qualify for a childcare subsidy -> already has most of the information needed to help them apply from company -> employee let's service apply for them
I'm trying to gauge reaction. How does this sound? Does this solve a problem HR/Benefits teams actually encounter? Would employers view this as a valuable employee benefit (it would likely help with recruitment and financial stability)? Do you think your employer would be willing to pay? What would a vendor have to demonstrate for your company to consider a pilot?
I'm not selling anything and don't have a product to pitch. I'd just rather have HR people tell me why the idea is bad before I spend a year building it.
Thank you