Beyond Automation: How Benekiva’s Humanomation™ is Redefining Claims Processing in Life, Annuities, and Long-Term Care

In the world of life insurance, annuities, and long-term care (LTC), every claim tells a story. These stories often begin at difficult crossroads—when families lose a loved one, retirees need access to their annuity funds, or aging parents require long-term care support. It’s a time when emotions run high, and the last thing beneficiaries need is a complicated claims process.

At Benekiva, we understand that claims processing is more than just paperwork and payouts—it’s about delivering on a promise when it matters most. This belief inspired us to create Humanomation™, a unique approach that blends AI-enabled automation with the human touch, offering a claims experience that is as efficient as it is empathetic.

The Problem with “Automation-Only” Claims Management

If you’ve ever called a customer service line and found yourself stuck in a maze of automated prompts, you know how frustrating pure automation can be. Now, imagine experiencing that during a life insurance claim after a loved one’s passing, while trying to access funds from an annuity, or when navigating long-term care benefits for an elderly parent. It’s not just frustrating—it feels cold, detached, and impersonal.

Many technology providers promise end-to-end automation for claims processing. They tout fast turnarounds and operational efficiency, but what often gets lost is the human experience. Beneficiaries don’t just need fast claims—they need guidance, empathy, and support. They need someone who can navigate complexities, answer tough questions, and bring a human touch to moments that matter.

At Benekiva, we know that while speed and efficiency are critical, they should never come at the cost of care and compassion. Our platform not only accelerates claims processing but also ensures that beneficiaries feel heard, supported, and valued—something pure automation simply cannot achieve.

Introducing Humanomation™: Where Technology Meets Heart

Humanomation™ is our way of marrying advanced technology with human oversight. It’s like the perfect blend of a finely tuned algorithm and a warm, reassuring voice.

Our AI-enabled system automates time-consuming tasks—like gathering documents, running fraud checks, and processing payments—while our claims specialists focus on what really matters: guiding beneficiaries through complex situations, offering a human touch where needed, and ensuring every claim is handled with dignity and respect.

This approach works seamlessly across multiple lines of business, demonstrating the configurability and flexibility of the Benekiva platform:

• Life Insurance Claims: Our platform can quickly adapt to automate document collection, validate beneficiary information, and manage multi-step approvals. When a discrepancy arises—such as an inconsistency in beneficiary designations—the system flags it for human review, allowing our specialists to provide personalized support to families during difficult times.
• Annuity Claims: The same platform can pivot seamlessly to handle eligibility checks, structured payout calculations, and tax reporting, adapting to the specific needs of annuity products. If a beneficiary needs help understanding payout options, our specialists are ready to assist—ensuring that technology enhances, not replaces, the human experience.
• Long-Term Care Claims: For LTC claims, our configurable rules engine automates benefit eligibility assessments, coordinates with care providers, and processes payments directly to care facilities. When more nuanced situations arise—such as complex care requirements—our human specialists step in to provide guidance and support.

This versatility allows insurers to consolidate claims processing under a single platform, streamlining operations and providing a consistent, high-quality experience for beneficiaries across all lines of business.

How Humanomation™ Stands Out in a Crowded Market

Many technology solutions promise seamless automation, but not all of them deliver on the human experience. At Benekiva, we’ve built our platform around a simple truth: technology should enhance human connections, not replace them.

Here’s how Humanomation™ sets us apart:

• Speed with Sensitivity: Our AI-driven technology handles routine tasks quickly, allowing our human specialists to focus on complex or sensitive claims.
• Operational Ease: By automating document management and compliance checks, insurers can streamline operations without compromising the beneficiary experience.
• Seamless Integration: Unlike rigid, legacy systems, Benekiva’s cloud-native platform integrates with any core system via APIs, ensuring quick deployment and minimal disruption.
• Future-Ready Technology: Our AI-enabled platform continuously learns and adapts, offering predictive analytics, fraud detection, and process optimization that keep insurers ahead of the curve.
• Configurable to Carrier Needs: The highly adaptable rules engine allows insurers to tailor workflows and business rules quickly, supporting multi-line claims processing with minimal development work.

The Future of Multi-Line Claims Management

As the industry shifts toward a more integrated technology ecosystem, insurers need a claims platform that can grow with them. Benekiva’s configurable platform offers the flexibility, speed, and scalability needed to support multi-line claims processing, from life insurance to annuities to long-term care, and beyond.

With Humanomation™, insurers can achieve operational efficiency while maintaining the empathy and support that beneficiaries deserve. It’s not just about automating claims—it’s about building a claims experience that truly delivers on the promise of insurance.

Ready to Simplify Your Claims Ecosystem?

If your organization is looking to streamline multi-line claims processing with a configurable, ecosystem-ready platform, let’s talk. With Benekiva, you can transform your claims process with speed, flexibility, and a human touch, ensuring that every claim is handled efficiently and empathetically—no matter the product line.