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Detailed Total Enrollment

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Detailed Total Enrollment

  1. 1. Key Features • Web- or laptop-based communications • Agent-assisted or self-service enrollment > • Easy to set up and easy to use • Single data source ensuring accuracy of information at all An Innovative Insurance Product times and Delivery Platform • Seamless data integration with carrier enrollment systems • Comprehensive out-of-the-box reporting and data import/export capabilities
  2. 2. Key Features • Integrated core and • Agent-assisted or self- voluntary product delivery service options platform • Integration with existing < products and applications > • Web-based case setup and configuration tools • Decision-support tools for • Unique rules, eligibility, enhanced penetration rates, and census for each • Flexible deployment options employer group • Customized employer and product communications
  3. 3. A Complete Solution Insurance Carriers • Medical • FSAs • Dental • STD and LTD • Vision • Voluntary Products < Insurance • Group Life • 401(k)/403(b) > Carriers • AD&D • COBRA Enrollment Employers Employers Employees Employees • Eligibility rules and information • Employee self-service after • 24/7 access the enrollment period is • Powerful built-in reporting available • Electronic delivery of • New hire enrollments eligibility and payroll • Annual open enrollment deductions • Life event processing • Self-bill premium reporting • Benefits information and resources
  4. 4. Guided Tour < > The guided tour highlights some of the main enrollment screens and shows examples of some of the built-in system functionality.
  5. 5. Introduction and System Overview Welcome Screen The welcome screen identifies the employee and agent by name. The system is designed to make the enrollment process fast and efficient < and the benefits content easy to > understand. Screens can be easily customized and branded for each employer by creating PowerPoint slides and converting the slides to Flash.
  6. 6. Enrollment Demo Navigation down the left side of the screen tells the agent which benefits have been enrolled, which have been waived, and < which benefits are incomplete. > Enrolled/ Applied Waived Incomplete
  7. 7. Introduction and System Overview Key Messages Key employer messages can be easily loaded into the system, making it an effective < communications tool. >
  8. 8. Employee Update Reviewing the Employee Record Once the introductory slides are finished, the system takes you directly into Step 1: Review Personal Info. < > If the system is preloaded with an employee census, you can verify employee contact information, including home address, telephone numbers, and e-mail. Which fields can be updated by the agent is determined and configured at the time of case setup.
  9. 9. Dependent Update Reviewing Dependent Information Here you can add, drop, or change dependent information on the < employee. > A bank of behind-the-scenes logic is at work applying the employer’s business rules as they relate to eligibility for core benefits. These include maximum age to cover a dependent child, full-time student status age, all required fields completed, only eligible dependents allowed to be added, etc.
  10. 10. Dependent Update Example of Business Rule Applied In this example, the employee attempted to add a child with a birth < date of 10/15/81. The system > recognizes that the child is over the maximum age for coverage and alerts the employee. The employee can either go back and correct the age (if it was entered incorrectly by mistake), or continue without adding the dependent to his or her coverage.
  11. 11. Quick Enroll Feature Quick Enroll Saves Time Once dependent information is verified and updated, the system can be set up to allow a Quick Enroll of the employee’s prior year’s benefits < choices. > On this screen, the associate can check each core benefits plan that the employee wishes to continue for the next plan year. New costs are also calculated and shown on this screen. Any benefits that are checked for Quick Enroll will be automatically forwarded to the confirmation of elections screen at the end of the enrollment session.
  12. 12. Life Easy-to-Understand Benefits Education < Screens > Each benefits plan to be enrolled is usually preceded by a short series of easy-to-read slides that highlight the main features of each plan.
  13. 13. Medical Easy-to-Understand Benefits Education Screens cont’d If more than one option is < available, side-by-side > comparison charts can be quickly created in PowerPoint and uploaded to the system.
  14. 14. Medical Choosing the Medical Plan The system will display only those plans and coverage tiers < that the employee is eligible to > select. Notice in the example shown here that the options for Employee + Children and Employee + Family are grayed out and cannot be selected. This is because the employee only has a spouse listed on the Dependents screen.
  15. 15. Dental Dental Benefits Education Screens Side-by-side comparison charts of the various benefits options < can be quickly created in > PowerPoint and uploaded to the system.
  16. 16. Basic Group Term Life Group Term Life Screens Employer-paid benefits can also be included on the system. By < communicating the employer- > paid benefits, employees get a better idea of the full scope of their benefits package.
  17. 17. Collecting Beneficiaries Store Beneficiary Information Electronically If requested by the employer, < the system can be set up to > collect beneficiary information for any of the core life and AD&D plans. Collecting beneficiaries can be set up as mandatory, optional, or not collected.
  18. 18. Voluntary Life Insurance Voluntary Life Insurance The system has a sophisticated Life and AD&D business rules < module that can be configured > to account for any combination of business rules that determine guaranteed-issue amounts and under what circumstances evidence of insurability is required before coverage is approved and new deductions are started.
  19. 19. Voluntary Life – Evidence of Insurability (EOI) When EOI Is Required When an employee requests coverage that requires evidence of insurability before coverage is approved, the system will < > notify the agent (and the employee) that an EOI form must be completed and submitted to the insurance company before coverage is effective.
  20. 20. Flexible Spending Accounts (FSAs) FSAs – Easy to Understand and Easy to Enroll Flexible spending accounts are < > explained in simple terms and by using tax savings examples.
  21. 21. The Data Bridge The data bridge between Core+ and carrier enrollment software allows employee and dependent census and enrollment data to flow in two directions eliminating the need to rekey employee or dependent information. This speeds up the enrollment process and also eliminates < > keystroke errors. Core+ Carrier Laptop Software Data flows in both directions between the Core enrollment system and carrier laptop software.
  22. 22. Voluntary Plans Acknowledgment of Receipt If an employee is required to receive specific documents prior to signing < > the electronic application, the system can be set up to automatically present the required documents, which can be printed out on the spot and given to the employee.
  23. 23. Sign and Submit Your Elections Benefit Summary Form Once all voluntary applications and other required documents are signed, the employee is < presented his or her Benefit > Summary form. This is usually the last form to be signed electronically by the employee that recaps all of his or her elections and new deductions starting at the beginning of the next plan year.
  24. 24. Examples of Built-In Reports Core+ automatically includes a library of built-in reports and file downloads that you can run at any time. This is an example of one of the built-in reports, < which is a Benefits Summary. The user can > run statements individually by employee or in batches for all employees depending on the needs of the employer. Statements are set up to fit perfectly in a No.10 window envelope with the name and home address printed on the back side of the statement and showing through the window once it’s folded to size.
  25. 25. Examples of Built-In Reports Here are examples of some of the other administrative reports that can be run by an administrator at any time during the enrollment or after the enrollment is complete. < >
  26. 26. Data Synchronization and Online Reporting Data Synchronized to a Central Associate Laptop Database Each day associates can synchronize Associate Laptop Associate Laptop their enrollment information stored on their laptops with the central database < by connecting to the Internet, starting > Core+, and clicking on the Sync Now button. Core+ During a synchronization, the Central Database associate can decide if he or she Associate Laptop Associate Laptop wants to send data up, pull only new data down, or send data up and at the same time pull down any enrollment data taken by all of the other agents Associate Laptop that day who have also synchronized their laptops with the central database.
  27. 27. Online Reporting Take a Look at the Big Picture Once all associates have synchronized their laptops with the central database, administrative < users have access to a wide variety of real-time > reports. These reports let you see aggregate production to date, individual agent production, employees seen by location, completes/ incompletes, enrollers who did not synchronize their data, enrollers who have low production, etc. By having access to this type of reporting, you can make any necessary adjustments early in the case to correct trouble spots, change staffing, or spot-train on specific issues.
  28. 28. Thank you. < This concludes the tour of the Core+ enrollment system.

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