SIMPLE, PAPERLESS EMPLOYEE ENROLLMENT PROCESS:
Each employee accesses the site with a unique user name and password, and is only presented with the benefit options available to them.  Upon accessing the site, employees are guided through a simple, step-by-step enrollment process where they review their personal and dependent profile, and make benefit elections.  The process can be customized to collect any additional information that the employer chooses. While enrolling, employees can view communication and education materials and a cost calculator.

PLAN RULE VALIDATION:
Employees are only offered plans for which they meet all eligibility requirements.  All plans requirements are enforced so that employees are only allowed to select offerings and amounts for which they are eligible.

QUALIFYING EVENT MANAGEMENT:
Outside of the new hire or open enrollment windows, the system is set to allow election changes with a qualifying event.  All qualifying event rules can be customized, and are enforced at the election level.  Administrators are notified as qualifying events are made in the system, and can approve or deny them.

ACTIVITY HISTORY FILE:
The system maintains a complete history of employee changes and benefit elections, including the coverage selected, employer/employee cost, and the date and time of the election.

AUTOMATIC ADMINISTRATIVE CHANGE NOTIFICATION AND CHANGE REPORT:
Administrators have the option to receive system-generated e-mails, notifying them of an employee's access, activity, and election and demographic changes.  Administrators will also receive change reports on the frequency of their choice.

MAINTAINING MAXIMUM GUARANTEE ISSUES:
Evidence of Insurability forms are presented to employees when they exceed the benefit plan design's guarantee issue value.  The coverage and cost will be determined using the guarantee issue value until the carrier has indicated the evidence of insurability has been approved.