Modular Solutions - Making Powerful Impact Where It’s Needed Most
Purpose-Built, AI-Enabled Modules That Solve Today’s Pain Points—and Power Tomorrow’s Transformation
Modular Claims Tools to Accelerate Value
At Benekiva, we understand that not every carrier is ready for a full-scale digital overhaul—but every carrier is ready for impact. That’s why our cloud-native claims platform is modular by design. Whether you’re looking to automate high-volume claims, streamline interest calculations, or modernize policy servicing, our AI-enabled modules—ClaimEase™, InterestIQ™, and ServiceNow™—can be deployed independently or integrated with your existing ecosystem. This plug-and-play flexibility empowers insurers to prioritize the areas of greatest need today while future-proofing their operations for tomorrow’s innovation. With Benekiva, you don’t have to choose between speed, empathy, and scale—you get all three.
ClaimEase™ FNOL Solution
Simpler Claims. Faster Payouts. Zero Compromise.
Insurance carriers are under pressure to deliver faster, more accurate claim resolutions—but legacy systems, manual processes, and disconnected data continue to stall progress. High-volume claims environments, like life and final expense, often face operational backlogs, compliance risks, and poor claimant experiences. Traditional modernization efforts require costly overhauls and long timelines, leaving many carriers stuck with outdated workflows.
ClaimEase™ is a configurable, cloud-native module within the Benekiva platform that eliminates inefficiencies across the claims lifecycle—from intake to payout. Whether deployed as a standalone automation tool or integrated into a broader modernization initiative, ClaimEase™ helps carriers accelerate outcomes without disrupting current operations.
- Automated Intake & TriageDigitize first notice of loss (FNOL), validate documentation, and initiate workflows with minimal human intervention.
- Rules-Based AdjudicationEnable straight-through processing (STP) for eligible claims using configurable logic.
- Integrated AI InsightsFlag potential fraud, predict next-best actions, and optimize staff resources through real-time analytics.
- Omni-Channel SupportAccept claims through digital portals, mobile uploads, agent-assisted entry, and more.
For CXOs and Claims Executives:
- Improve Customer Retention: Fast, frictionless payouts lead to better claimant experiences—and better Net Promoter Scores (NPS).
- Lower Operating Costs: Reduce manual rework, staffing demands, and error rates by automating where it counts most.
- Regulatory Confidence: Stay audit-ready with full data traceability, workflow transparency, and compliance logging.
For Technology Leaders:
- Modular, Configurable, and Scalable: No rip-and-replace. ClaimEase™ works with existing infrastructure via secure APIs.
- Fast Time-to-Value: Deploy in weeks, not years, with low-code/no-code configuration tools and Benekiva’s proven implementation framework.
- Built for the Future: Unlock a foundation for future AI and automation initiatives with Humanomation® at its core.
- Up to 60% Reduction in Cycle Times
- Straight-Through Processing for 40–70% of Claims
- 20–30% Lower Operational Costs
- Improved Claimant Satisfaction and Loyalty
ClaimEase™ combines intelligent automation with empathy-first experiences. By removing the repetitive and redundant, your team is free to focus on what matters most—supporting policyholders when they need you most.
InterestIQ™: Automated Interest Accuracy for Claims Processing You Can Trust
Automated Interest Accuracy You Can Trust
Delayed claims payments aren’t just frustrating for beneficiaries—they can become a costly compliance risk for carriers. Benekiva’s InterestIQ™ module eliminates the guesswork, spreadsheets, and liability tied to interest calculations, delivering automation that’s fast, accurate, and regulator-ready.
Manual interest calculations—often done in spreadsheets or stitched together from disparate systems—are error-prone, time-consuming, and difficult to audit.
When policy data lives in multiple systems and states have varying interest requirements, carriers struggle to stay compliant and efficient.
Key Challenges:
- Decentralized policy data
- Multiple jurisdictional interest rules
- Regulatory pressure to pay interest on delayed claims
- High operational costs due to manual workarounds
- Auto-calculates interest on delayed payouts using rules-based logic
- Works with decentralized data—even when policy info is spread across multiple systems
- Eliminates spreadsheets and custom scripts with built-in calculation engines
- Generates audit trails for full transparency and compliance validation
- Minimizes compliance risk
- Supports insurer obligations in high-interest states
- Provides proof of calculation logic for audits and state inquiries
- Enhances trust with regulators and policyholders
By automating what was once a tedious, manual process, InterestIQ™ helps insurers:
- Cut down cycle time for interest-bearing claims
- Free up staff from spreadsheet wrangling
- Eliminate inconsistencies across business units or product lines
- Deploy quickly without major IT overhaul
InterestIQ™ is part of Benekiva’s Humanomation™-powered claims ecosystem. It’s designed to plug into your environment—whether you’re on legacy systems, in the cloud, or mid-modernization.
Carrier Benefits:
- Rapid implementation with minimal IT lift
- Pre-mapped compliance rules reduce setup time
- Scalable across lines of business and geographic markets
- Future-ready for AI integrations
With InterestIQ™, carriers no longer have to choose between speed, compliance, and accuracy. You get:
- Faster resolution of delayed claims
- Reduced compliance risk
- Lower operational burden
- A better experience for beneficiaries
ServicingNow™: Out-of-the-Box Policy Servicing, Ready to Go—Integrated or Not
ServicingNow™ is Benekiva’s plug-and-play servicing solution that delivers immediate value—no heavy IT lift required. Whether you need a fully integrated system or a fast standalone deployment, ServicingNow™ adapts to your business, not the other way around.
Configurable. Flexible. Instantly Deployable.
ServicingNow™ comes with pre-built workflows that are ready to use out of the box—but everything is configurable to match your products, rules, and processes. You control the experience without months of custom dev work.
Need speed? ServicingNow™ works as a standalone module—no core system integration required. Want full connectivity? Easily plug into your policy admin, claims, or DMS platforms through APIs and automation layers.
Our Humanomation™ approach ensures automation streamlines routine tasks, while human intervention remains central where complexity and compassion are needed.
The Fastest Path to Modern Servicing
ServicingNow™ helps insurers quickly modernize their servicing experience—reducing friction, improving compliance, and driving loyalty. Whether you integrate or not, Benekiva delivers modern service, faster.
Long-Term Care Pre-Configured Claims Track™
Modern Claims Automation for Long-Term Care—Built to Handle Complexity with Compassion
Long-term care (LTC) claims are unlike any other. They’re emotionally complex, benefit-driven, and span years—not days. Traditional claims systems weren’t designed for recurring events, caregiver interactions, or evolving eligibility requirements. That’s why many carriers still rely on manual workarounds, leading to delays, compliance risk, and unsatisfied policyholders.Benekiva’s LTC Track™ changes that.
- Event-Driven Claims InitiationAutomatically trigger claims based on care events, policy terms, or provider inputs.
- Advanced Eligibility LogicSimplify benefit qualification and automate eligibility recalculations as conditions change.
- Multi-Year Benefit TrackingManage recurring benefit payments and care schedules with full visibility and audit trails.
- Caregiver & Provider CollaborationRole-based workflows support seamless interaction with family members, TPAs, and care providers.
- Omni-Channel AccessEmpower claimants and caregivers with mobile-first, secure access to claim status, documentation, and updates.
- Built-In Compliance & Audit SupportReduce regulatory burden with transparent workflows, auto-documentation, and approval history.
For Claims and Operations Executives:
- Drastically reduce manual intervention across LTC workflows
- Improve claimant satisfaction by offering real-time, transparent claim experiences
- Scale care-based claims processing without scaling headcount
For CIOs and CTOs:
- Deploy quickly using Benekiva’s low-code/no-code configuration tools
- Integrate easily with policy admin systems via Benekiva’s Orchestration Engine and API hub
- Future-proof your claims ecosystem with AI-readiness and cloud-native flexibility
- Reduced Manual WorkUp to 40% fewer staff hours per LTC claim
- Faster PaymentsAccelerated cycle times by 30–50%
- Stronger ComplianceAudit-ready processes with transparent oversight
- Better ExperiencesHigher claimant and caregiver satisfaction ratings
Benekiva LTC Track™ can be deployed as a modular upgrade—no need to rip and replace your core systems. Let’s help you build a smarter, more empathetic foundation for care-based claims.
