Upwise for Employers

Enhance the way your employees experience benefits with Upwise

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Employers expend a lot of time, money and resources towards employee benefits​

And yet, employees are still struggling to understand and effectively use them.

Choose Benefits
Empower employees with personalized and comprehensive recommendations.

A short interactive survey at the start of enrollment provides employees with benefits recommendations based on their health, lifestyle, and finances — now and in the future.
Use Benefits

Helps employees use their benefits to their maximum potential.

Our smart benefits dashboard lets employees access their benefits information and sends optional reminders to encourage use of their benefits and employer-provided point solutions at key moments throughout the year

45%

of employees are confused about their benefits1

53%

of employees say they have difficulty navigating and understanding their benefits1

 

We know employers can deliver better business outcomes by helping their employees understand, select, and utilize their benefits effectively throughout the year.


With our Benefits Engagement Platform, employees can get more from their benefits during enrollment and throughout the year so they can feel confident and cared for.

Upwise helps you drive employee care and engagement through a better benefits experience​

Summary Copy

Choose Benefits

Empower employees with personalized and comprehensive recommendations.

A short interactive survey at the start of enrollment provides employees with benefits recommendations based on their health, lifestyle, and finances — now and in the future.

Use Benefits

Helps employees use their benefits to their maximum potential.

Our smart benefits dashboard lets employees access their benefits information and sends optional reminders to encourage use of their benefits and employer-provided point solutions at key moments throughout the year.

Upwise powered by Nayya is now integrated within the Workday enrollment flow

  • Our integration provides a seamless employee experience where they can easily access Choose and Use functionality within their Workday benefits experience.


  • Providing this integrated benefits engagement solution will help employees feel confident in their choices across health, well-being, and financial benefits so they can realize the full value of your offering.

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    With Upwise’s benefits concierge experience, employees can maximize their benefits during key life events

    Do you have the right coverage?

    Sara’s Maternity Benefits Journey

    • During open enrollment Sara takes the Upwise survey and indicates she plans to have a baby. Upwise recommends enrolling in Hospital Indemnity coverage.
    • When medical and pharmacy claims data is enabled and Sara’s pregnancy is confirmed, Upwise notifies Sara of valuable tools and resources she can access via her workplace that can help during her pregnancy.
    • Throughout her pregnancy, Sara continues to receive Upwise communications with useful tips to keep in mind before the baby arrives, such as:
      • Planning her leave from work
      • Adding the baby to medical plan
      • Updating beneficiaries
    • Sara delivers her baby and Upwise notifies her that she may be eligible for a Hospital Indemnity benefit
    • After the baby’s arrival, Upwise connects Sara with resources or programs available through her benefits that can help with her newborn.

    This is a hypothetical example for illustrative purposes only. Some Hospital Indemnity Plans have a pre-existing condition exclusion. Please refer to the Disclosure Statement or Outline of Coverage for more information including the exclusions and limitations which apply to coverage. Some of the initiatives and services included herein are not currently active in Upwise and may be introduced in the future.​Upwise helps you drive employee care and engagement through a better benefits experience​.

    Employees spend more than $6,500/year on benefits; they need superior decision support and guidance4


    Upwise can give your employees the confidence and competence to choose and use their benefits wisely throughout the year.

    Contact us to learn more

    Upwise Press

    Life Annuity Specialist
    MetLife Harnesses AI to Maximize Group-Benefit Signups in Open Enrollment
    Read More
    Insurance News Net
    Workplace benefits: How to help workers understand and use them
    Read More
    Insurance Innovation Reporter
    MetLife’s Upwise Solution Increases Benefits Enrollment, Engagement and Value
    Read More
    MetLife Newsroom
    MetLife and Nayya Expand Access to Upwise via Workday Marketplace
    Read More
    MetLife Newsroom
    MetLife’s Upwise Helps Drive Up Benefits Enrollment, Engagement and Value
    Read More
    MetLife Newsroom
    MetLife and Navya Team up to deliver Enhanced Employee Benefits Experiences
    Read More

    © 2025 MetLife Services and Solutions, LLC, New York, NY 10166. 

    Privacy Policy Legal Notices
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    1MetLife’s 21st Annual US Employee Benefit Trends Study (2023)

    2Harvard Business Review Analytic Services Pulse Survey: Health Operating Systems: Solving the Employee Benefits Navigation Puzzle (2021)

    3Upwise makes recommendations to and/or educates employees on benefits such as Medical, Dental, Vision, Supplemental Term Life, STD, LTD, Accident, CI (including Cancer plans), HI, and HSA Contributions, Healthcare FSA, Pet, Legal, and Fraud Protection. Employees may have additional benefits or additional services/perks available to them that are not considered by Upwise.

    4KFF Employer Health Benefits Report (2023)

    Upwise is offered by MetLife companies (Metropolitan Life Insurance Company, Metropolitan Tower Life Insurance Company, Metropolitan General Life Insurance Company, MetLife Legal Plans, Inc., MetLife Pet Insurance Solutions LLC, and/or MetLife Consumer Services, Inc.) for educational purposes. Upwise uses decision support and benefits engagement software developed by Nayya Health, Inc., including an AI machine learning model that develops recommendations for major medical insurance plans. Your use of Upwise is subject to Nayya's Terms of Service. Recommendations are made by Nayya Health Insurance Center, LLC, a licensed insurance producer, based on information shared or authorized by users and their employers. No representations or warranties are made regarding the recommendations.  Users are responsible for making their own decisions about benefits and recommendations should not be relied upon as legal, tax, investment or financial advice. All information will be maintained in accordance with Nayya's Privacy Policy.​

    METLIFE'S ACCIDENT (AX), HOSPITAL INDEMNITY (HI) AND CRITICAL ILLNESS (CII) INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are not intended to be a substitute for medical coverage providing benefits for medical treatment, including hospital, surgical, and medical expenses, and do not provide reimbursement for such expenses. Certain states may require the insured to have medical coverage to enroll in these policies. Like most group accident and health insurance policies, MetLife's AX, HI and CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. The policies may be subject to a Benefit Reduction Due to Age provision. For HI and AX, prior hospital confinement may be required to receive certain benefits, and there may be a pre-existing condition exclusion for hospital sickness benefits, if applicable. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. For CII, there may be a pre-existing condition exclusion, and a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s AX, HI and CII products can be found in the applicable Disclosure Statements or Outlines of Coverage/Disclosure Documents available at time of enrollment. For complete details of coverage and availability: for AX and HI, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG; and for CII, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14- CI, GPNP19-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York​