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Flexible group insurance administration

From implementation to claims: proven capabilities to streamline your benefits

Implementation: we do the heavy lifting

Making the best use of client resources is our priority. That’s why one implementation manager is assigned to every client, so they have a single point of contact.

With our flexible approach, clients choose the communication that works best for them during the implementation process, which includes:

  • Regular reviews and interactions
  • Suggestions and recommendations
  • Benefits enrollment platform or Third Party Administrator (TPA) involvement

Technology platform integrations

Securian Financial can easily sync with your administrative vendor or benefits enrollment platform.

Our technology platform relationships make administration easy and seamless for your clients. This is supported by pre-established integrations and best practices and results in streamlined processes and simplified enrollment.

Simplify administration and record keeping

Securian also offers full administration and record keeping of your plan, allowing your benefits team to focus on other benefits programs without compromising the outstanding service your employees expect.

Reduce work for your benefits staff

When you outsource your plan’s administration to Securian Financial, we conduct enrollment, manage eligibility rules, maintain coverage and beneficiary records, calculate premium deductions and work directly with your employees to provide personalized service.

Our portal for benefits administrators offers fast, easy access to plan information, tools and data, allowing your benefits staff to work more efficiently. Your staff can:

  • Submit claims and documentation electronically, reducing processing time
  • View on-demand evidence of insurability (EOI) and claims status reports, putting detailed plan information at their fingertips

Flexible convenience for employees

Our easy-to-use self-service website, Lifebenefits.com, provides your employees with a simple, seamless and secure enrollment experience.

Employees can manage their group insurance benefits on any device — mobile, tablet or desktop. Employees can:

  • Enroll for coverage

  • View coverage and premium amounts 

  • Submit evidence of insurability/proof of good health and get a quick response, including real-time approvals

  • Designate and change beneficiaries

  • With cash value plans, employees can also view contribution amounts and loan balances, and withdraw or make lump-sum contributions to their cash value

Take the next step

Put our group insurance solutions to work for your employees.

Contact us today

100% implementation satisfaction

100% implementation satisfaction pie chart

100% of our clients would recommend our implementation services to others.1 

Claims concierge services

We deliver more than a claims payment. Years of experience and a true collaborative culture allow us to process claims with a high-touch, personalized approach. In addition to compassionate, timely service, we offer:

Streamlined claims submission process

  • Notification from employers or beneficiary directly
  • Fast Track claim services eliminate paper mail and waive death certificate requirements for qualifying claims under $50,000
  • Our Proactive Claims approach3 means we issue as many payments as possible based on an initial documentation for accident insurance
  • We conduct a cross-product review to ensure employees get all the benefits they're eligible for

Excellent support

  • Customized grief sensitivity training and over a decade of experience for our team members
  • Beneficiary financial coaching4 and legacy planning resources available

Medical claims integration,

powered by Reclaim  

Available to employers offering group accident, critical illness, or hospital indemnity insurance.

  • Employers and employees can opt in to a solution that alerts the employee when a medical claim is available for review
  • The employee can submit claim notification electronically by answering only a few short questions and applying their electronic signature
  • This data may substantiate the covered medical benefits the employee is eligible for eliminating the need to provide an “explanation of benefits” or other medical records
  • Employees experience greater benefit utilization with less touch time while making the claims process easier

Benefit distribution options

  • Express assignment service: same-day claim review and phone call back to validate funeral home assignment and we work directly with the funeral home or lending agency for final expenses.
  • Cash advance solution: working directly with the beneficiary, we can provide prompt financial assistance with an advance of the benefit up to $25,000. This advanced amount is deducted from the final coverage amount.
  • Other flexible options: direct deposit into a checking or savings account, interest bearing accounts, annuities, or certificates of deposit.

Benefit administration partners

Our benefits administration platform partnerships make implementation easy and seamless for employers.

Learn about our partners

98% satisfaction

98% claims satisfaction pie chart

98% satisfied with claims processing2

1. Customer and Channel Partner Insights, 2021.

2. Securian Financial Customer and Channel Partner Insights, Service Scorecard, December 2021.

3. All benefits are subject to policy provisions and availability of each benefit being covered on the policy. In all cases, the claimant must provide satisfactory proof that they have met all policy coverage, and eligibility requirements prior to being eligible for our Proactive Claims approach.

4. Beneficiary financial coaching services provided by PricewaterhouseCoopers Advisory Services, LLC and is their sole responsibility. The services are not affiliated with Securian Financial or its group contracts and may be discontinued at any time. Certain terms, conditions and restrictions may apply when utilizing the services.

Services provided by Reclaim are their sole responsibility. The services are not affiliated with Securian Financial or its group contracts and may be discontinued at any time. Certain terms, conditions and restrictions may apply when utilizing the services.

DOFU 4-2022
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