About.


Why choose NestBenefits? We're passion-driven and dedicated to helping our clients.

Based in Charlotte, North Carolina, NestBenefits’ mission is to use Long Term Disability, and Long Term Care insurance – often missing from employee and individual benefit plans – to help our customers protect their income and the assets they’ve worked so hard to accumulate, and maintain their quality of life.

After seeing how coverage, and unfortunately sometimes a lack thereof, can impact families and their finances, NestBenefits founder Penny Bones is driven by a desire to equip employers and individuals with the best insurance possible.

Dedicated to handling contract analysis, and creative solutions that can be easily understood, we will help you discover surprising gaps in your existing insurance plans and uncover opportunities that enable you or your employees to obtain important and much needed disability or long term care coverage.

At NestBenefits, we are passion-driven about helping our clients understand Long Term Disability and Long Term Care, along with the peace of mind it provides.

Our founder.


Penny combines her passion for developing a comprehensive plan to offset the immense loss of
income and lifestyle from the tragedy of an illness or accident. She provides exceptional
customer service and high level communication.

Contact us for a complimentary benefits analysis today.

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