Voluntary claims integration: Beyond the buzzword

Employers consider claims integration to be one of the most important factors in selecting a voluntary carrier.

The concept of voluntary benefit claims integration is generating a lot of buzz in the industry. More carriers are offering it, and employers are seeking it, but what exactly does it mean? And what do brokers need to be aware of as they discuss claims integration with clients?

First, what do we mean when we say “claims integration”? Generally speaking, claims integration is the concept of using the data found in processing one claim to identify other claim-eligible voluntary coverages an employee might have. It has the potential benefit of removing the employee burden of having to remember all the insurance coverages they own and file separate claims for each. It is a meaningful enhancement of the overall claims experience and ensures that employees utilize the benefits they pay for and own.