Voluntary Benefits of America has got an idea to boost enrollment in voluntary benefits—an online platform called www.HighLowOrNo.com. The company says the online version of its AutoApp enrollment tool strives to "eliminate traditional voluntary benefit challenges" by reducing employee enrollment interaction and boosting overall participation.
It's "designed to give brokers another option to take full control of the voluntary benefit enrollment process," says Tom Smith, founder of VBA. "As brokers look to build their voluntary benefits business, we are offering a self service enrollment platform with two-points of entry that will make enrollment easier for employees and employers."
Distributed through employee benefit brokers and consultants, both AutoApp and the new website connect to a central electronic database, "eliminating any errors from merging databases or manual entry."
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Similar to a voluntary dental or vision enrollment process, employees attend a group meeting to learn about the products and then can self-enroll by making an election using AutoApp or logging onto the HighLowOrNo.com. Brokers can offer a range of products—including short-term disability (base and buy-up), critical illness, accident, cancer and life insurance—offered by several major voluntary benefit carriers that are loaded on the system. All elections are tied to the central data base. Finally, the carrier receives an electronic enrollment file for policy issue.
Online enrollment tools removes the need for one-on-one meetings, enrollment firms and carrier agents while reducing the expense or high commission split brokers often find with traditional enrollment models, VBA says.
According to Smith, HighLowOrNo.com was created as a complement to the original AutoApp system, but can also serve as the lead enrollment tool for businesses preferring to present employees with an online tool first. Both systems walk employees through a simple process where they are instructed to select one of three enrollment options: High, Low or No (accept or decline coverage).
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