The best supplemental health benefit plan is one that is used wisely — and that starts with a claim. Our compassionate, easy and personalized experience drives utilization and delivers for employees when they need it most.
Committed to an exceptional supplemental health claims experience
Streamlined claims experience
We make it easy for employees to file claims and maximize their benefit payout by streamlining the process and requiring less documentation.
Cross-product review
We look across product lines and file claims for all policies that apply to the claim
Proactive approach
We issue as many payments as possible based on initial documentation
Flexible submission
Claimants can submit a claim via online portal and easily upload claim documents
As of January, 2025. Statistics reflect entire group insurance business of Minnesota Life Insurance Company and Securian Life Insurance Company.
Proactive labor and delivery claim payments
Our hospital indemnity insurance proactively pays labor and delivery claims. Once the birthing parent reaches 36 weeks gestation, we pay the hospital indemnity claim for routine labor and delivery. Both the initial and daily benefits will be paid for a three-day stay. Longer stays are eligible for additional benefits.
Instant decisions. Immediate payment.
We've transformed our industry-leading speed into an industry redefining capability. AI-enabled capabilities deliver decisions in minutes with payment initiated immediately upon approval.
How it works
When employees submit claims digitally with complete documentation, our AI-enabled decision engine evaluates the submission in real-time, analyzing documentation and applying policy terms. Eligible claims receive approval within minutes, and payment processing begins immediately.
For more complex cases requiring additional review, our expert claims team steps in while maintaining the same industry-leading turnaround standards you expect from Securian.
Fast decisions
Eligible claims approved within minutes of digital submission
Immediate payment
Approved benefits delivered through modern instant payment solution
Real-time transparency
Proactive status updates reduce the need to check on claims
Built-in protection
Advanced AI-enabled fraud detection solution helps safeguard benefit integrity
Behind every claim is a person
Medical claims integration, powered by Reclaim
Medical claims integration further streamlines the claims process to deliver an optimal employee experience. It allows employers and employees to opt in to a solution that alerts the employee when a medical event might qualify for a supplemental health payout.
Participants experience greater benefit utilization and an easier claims submission experience, providing consent only one time for all future claims
Reclaim sets up a secure file transfer protocol with the employer’s medical provider(s) allowing them to receive historical and ongoing claims data to match with the claim-eligible supplemental health coverage
The claims data will be used to substantiate covered benefits, in many cases, eliminating the need for an employee to provide an explanation of benefits (EOB)
Prompts customer throughout the experience to successfully engage in the claims process and customer notifications to finalize their claims submission
Bereavement care
Available with our supplemental health products, Empathy is a comprehensive support system for loss, offering families holistic on-demand guidance and care for administrative, emotional, legal, and financial challenges they face when dealing with a life-threating condition.
Tech-enabled assistance and a dedicated Care Manager
Step-by-step guidance through estate planning and emotional/practical challenges of pending loss
On-demand access to the larger Care Team for one-on-one support
- No additional cost to employer, employee, or beneficiary
At Securian Financial, we are committed to providing the highest claims payout to maximize the value of your benefits.
My husband is unable to work now and this benefit has been a blessing.
Empathy
Holistic support and on-demand guidance for employees anticipating or after experiencing a loss.
Learn moreThe testimonial provided by Securian Financial’s customer(s) identified in this material was freely given without receiving any compensation.
As of March 2024. Statistics reflect entire group insurance business of Minnesota Life Insurance Company and Securian Life Insurance Company.
Instant decision and instant payment are only available for eligible claims with complete documentation. Processing time may vary based on claim complexity. Payment delivery timeframes depend on selected payment method.
Limitations and exclusions apply. These products have exclusions, limitations, reduction of benefits, and terms under with the policies may be continued in force or discontinued. Benefits will be payable upon a covered accident, hospitalization or diagnosis of a covered condition that satisfies the requirements of the policy and when all other policy requirements are met.
Value-added services availability and features may vary by state. Your Securian Financial representative can confirm availability. The relationship between The Empathy Project Inc. and Securian Financial Group, Inc., is that of independent contractor. These services are not affiliated with Securian Financial Group, Inc. or its group contracts and may be discontinued at any time. Certain terms, conditions, and restrictions may apply when utilizing the services. The Empathy Project Inc. is responsible for the services it provides and does not have the power or authority to obligate or bind Securian Financial Group, Inc., in any manner beyond that which is contractually agreed to by the parties.
Services provided by Reclaim are their sole responsibility. Reclaim is not affiliated with Securian Financial and its services may be discontinued at any time. Certain terms, conditions, and restrictions may apply when utilizing the services.
DOFU 2-2026
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