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From coverage to confidence: The power of claim integration

happy mother and father enjoying time at home playing on the couch with daughter

Seamless claim connections help employees unlock the full value of their benefits — strengthening financial protection, easing stress, and improving ROI for employers.

Employers invest heavily in benefits to protect their people — but too often, employees leave money on the table simply because filing a claim feels complicated or confusing, or they aren’t even sure when to file one! Claim integration changes that. Connecting benefits behind the scenes makes the process seamless, reduces frustration, and ensures employees actually use the coverage designed for them.

One claim, many protections: Voluntary benefits + disability/Life/AD&D integration

When an employee experiences a disability, accident, or life event, the last thing they need is a maze of paperwork. With VB and disability/Life/AD&D integration, one claim can initiate the process for all potential benefits. Families don’t have to submit multiple claims, reducing the risk of missing potential payments. The result is higher benefit utilization, less stress, and financial stability when it matters most.

Did you know that approximately 20% of disability claims are also eligible for voluntary benefits?¹

Smarter claims, faster relief: Medical claim integration

Medical claim integration is where the value truly comes to life. By linking medical claims to supplemental benefits like accident, hospital indemnity, or critical illness, the system does the heavy lifting for employees:

  • Remind or nudge: Employees get timely alerts that they may be eligible for a supplemental health claim.
  • Auto-file: With consent, claims can be filed on their behalf — no paperwork required.
  • Auto-pay: In some cases, eligible benefits are processed automatically, delivering an unexpected and welcome benefit payment!

For employees, this means out-of-pocket costs don’t have to become a financial burden. For employers, it translates into a stronger ROI, higher benefit utilization, and a workforce that sees real value in their coverage.

A simple start: Wellness-only integration

Sometimes the easiest wins have the biggest impact. Wellness-only integration connects routine activities like biometric screenings or on-site health fairs with claims systems, ensuring employees receive wellness benefits automatically. The payoff? Higher participation, quicker reimbursements, and a gentle reminder about their voluntary benefits available for the future.

Clearing the roadblocks

Some employers may worry that claim integration is too costly, too complex, or too disruptive. There is no one-size-fits-all approach! Partner with your insurance carrier to begin with a focused rollout — like wellness or maternity claims — then expand to more processes, ensuring integration remains secure, efficient, and scalable without unnecessary disruption.

Claim integration isn’t just about technology. It’s about turning benefits into real support — right when employees need them most.

1New York Life Group Benefit Solutions Book of Business Dashboard, 2025.

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NEW YORK LIFE and the New York Life box logo are registered trademarks of New York Life Insurance Company.

SMRU 8358139 Exp. 9/11/2028