Teams-native flow: Chat nudges, calendar holds, and file cards—no new tools.

Policy/locale aware: Applies eligibility, waiting periods, and country rules automatically.

Agentic loop: Detects missing steps → suggests plans/resources → schedules actions → confirms completion → follows up post-enrollment.

Explainability built-in: Plain-language comparisons, and EAP/wellness prompts.

Privacy & audit: Consent-first, least-data access, clear logs and KPIs.