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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 sync with your administrative vendor or benefits enrollment platform.

Our technology platform relationships make administration 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 

Life and AD&D concierge claims services

We deliver more than a claims payment. Years of experience and a 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

  • Claim submission made easy with eClaim or file transfer
  • Fast Track eliminates the need for paper mail or a death certificate for qualifying claims $50,000 or less
  • When needed, we can accept a photograph of the death certificate
  • We manage claim from notice to final decision
  • Complete claim form online for faster payment

Superior support

  • Claims team averages nearly a decade of group claims experience
  • Customized grief sensitivity training enhances empathetic approach
  • Beneficiary Financial Coaching1 and Legacy Planning Resources available

Benefit distribution options

Express assignment service

  • Securian works directly with the funeral home or lending agency for final expense reimbursement, removing the burden from the beneficiary
  • Same-day claim review and phone callback to validate Funeral Home Assignment
  • Other forms of rush payment are also an option (e.g., direct deposit or overnight check)

Cash advance solution

  • Securian works directly with the beneficiary to provide prompt financial assistance during a difficult time
  • Qualifying claims are eligible for a partial benefit up to a maximum of $25,000, prior to receipt of a death certificate or completed claim form
  • Advanced amount is deducted from the final basic life amount coverage

Flexible claim distribution options

  • Direct deposit into a beneficiary’s personal checking or savings account
  • Legacy Accounts provide access to insurance benefits via an interest-bearing account

Supplemental health claims

At Securian Financial we built our supplemental health solutions to focus on the employee experience — from choosing the plan that fits their needs to filing a claim. Our digital claims portal is intuitive and personalized, making claims submission a fast and easy experience. Our goal for your employees is to make it easy to file a claim, or multiple claims, and receive their money in a timely manner.

Our digital, mobile-optimized claims process provides a streamlined experience for employees. Ensuring they use their benefits wisely and effectively is a top priority. Employee satisfaction comes from ease of use — and feeling like they’re getting the most out of their policy.

Simplified process

We make it easy for employees to file claims and maximize the benefit payout by streamlining the process and requiring less documentation.

Proactive, cross-product approach
To ensure employees get all the benefits they’re eligible for, we look across product lines — and file claims for all policies that apply to the claim. We issue as many payments as possible based on the initial documentation. Our Proactive Claims approach automatically pays out all applicable benefits associated with a claim.

Flexible submission

We process claims with a high-touch, personalized approach.

Flexible claims submission
Claimants can contact us by phone, or submit a claim via an online portal and easily upload claim documents.

Additional services

Employees can opt in to a solution that alerts them when a medical event might qualify for a claim.

Medical claims integration, powered by Reclaim

  • The employee can submit claim notification electronically by answering only a few short questions and applying their electronic signature.
  • This data may be all the substantiation required for covered benefits 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 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

Easy-to-follow claims process leads to satisfied policyholders

“The paperwork for the program was seamless. It took me 5 minutes to fill out and submit my portion and I would say the Oncologist portion was equally as seamless. Immediately the forms went into underwriting review, a very understandable process that required no additional actions on either party. Yesterday we received a full cancer benefit. I was and am humbled and speechless as the bills are piling in with many more to come. I cannot express my gratitude for this program enough.”3

1. 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.

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

3. The testimonial provided by Securian’s customer identified in this material was freely given without receiving any compensation.

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 9-2022

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