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Worksite Processing Case Level Information Client specific information such as names, addresses and contact information is carried for the employer, the marketing company, the enrolling company, the writing agent and the servicing agent. Rules can be defined at the case level to differentiate employee groups. Some examples are location, employee class, payroll mode, department, issue state, application state and full/part time. If an employer has worksites at several different places, each location can be addressed by its corporate name when creating the rules. This flexibility carries over to all differentiating parameters. This level of information is also available at the employee level and case rules are invoked to edit the information for accuracy. Wide Range of Products All of the products supported in Titanium are available for worksite enrollments. These include Life, both Traditional and non-Traditional, Health, and Annuities along with all related riders and benefits. See the supported products HERE. Products Customized for an Enrollment Each of the available products can be customized to relate to the specifics of the worksite sale. Features that can be customized include premium/cost of insurance rates, commission rates, minimum premium rates, target premium rates and surrender charges. Tools are provided to simplify product maintenance For example, a universal life product that is targeted for the individual market could be the basis for a customized worksite product. This could be accomplished by utilizing the basic chassis of the individual universal life product such as pay up, maturity dates and loan provisions. The cost of insurance rates and commission rates could then be overridden to conform to the characteristics of the worksite sale. Vary the Enrollment based upon Case Defined Parameters One case enrollment could be as simple as a single product offering for all employees. It could be as complex as a set of products that vary by employee class (Office vs. Non-office / Management vs. Labor). In this scenario, Office/Management could have a set of products that are accumulation based while Non-office/Labor could have a set of products that are protection based and they could each share a set of health products. The most complex enrollment could have a different product set based on relationships such as location, employee class, payroll mode, department, issue state, application state and full/part time. Each separate relationship would have its own customized settings. In the case of locations, the settings could be each of the 50 states or cities within each of the 50 states. By extrapolating this concept out for each relationship, one could quickly see that there is almost an infinite amount of flexibility in the definition of a single enrollment period. In addition to this basic level of flexibility, a one product set can be defined for new entrants and another product set can be defined for existing employees wishing to increase an existing certificate. Each base product can have a set of eligible riders. A set of eligible benefits can also be defined for each base and rider. Benefits can be selectable or automatically provided. Within a product set, minimum and maximum benefit levels can be defined as well as different loads, fees and employer-employee pay splits. The underwriting offer is defined within each product set. For example, Office/Management can have the offer set to Guaranteed Issue while Non-office/Labor can have an identical product set but have the offer set to either Simplified Issue or some hybrid issue version. If a certain number of participants are required for the underwriting offer to be appropriate, the participant threshold can be identified at the case level and participants accumulated. Lastly, expert underwriting rules can be coded that support the various underwriting offers. The rules can vary by the enrollment product set and whether the applicant is a new entrant or an existing employee. The Enrollment Process The enrollment can be processed in a couple of ways. It can be completed through either a carrier's enroller, a third-party enroller or any other external enrollment process. The enrollment process can result in a set of paper applications or a set of electronic transmissions. Titanium can accept the incoming data in the form of industry standard ACORD XML messaging transactions or in the form of a fixed format message (mapped from any source). Or the incoming applications can be manually entered at a carrier location using the Titanium UI screens tailored for the quick and efficient entry of group related business. Whichever option is appropriate, the end result is a record that has been fully edited to comply with custom case and product rules built specific to the enrollment product set for the case and any other generic product rules appropriate to the specific product. Expert Underwriting While still in the new business process, expert underwriting rules control new business processing. The underwriting offer for the product set controls the set of underwriting rules that are invoked. Rule sets can identify whether the participant threshold for the underwriting offer has been achieved and automatically issue the certificate. They can also identify whether the new business record actually qualifies for the underwriting offer based on minimums and maximums coded for the product set. If it does not qualify, additional underwriting rules are accessed including rules for application questions. The application can either pend for requirements, issue at a higher underwriting level or be rejected. Certificate Management The certificate is managed by Titanium’s business rules. The processes are all real time. There is no batch component. The UI application is the same as that used to process individual applications. It is possible that group certificates can be mainstreamed through a generalized policyholders services area. Alternatively, resources can be shared across individual and worksite policyholders services areas. Billing and Collection In the simplest worksite enrollment, there is one bill. Unfortunately, not all worksite business is simple. The employer could have multiple locations and require reconciliation at each location for one case. Titanium provides the ability to bill one case at multiple frequencies and multiple locations and to produce as many separate bills as is required by the employer. The bill can also combine multiple locations and multiple frequencies into one bill. The billing definition takes place during case setup as product sets are defined for the enrollment. All billing modes are supported. It is possible for certificates to have payroll deduction modes different from the employer billing mode. For example, the employer might want to be billed monthly to lessen the reconciliation effort but the employees are paid weekly. The monthly employer bill can show the employee portion of the bill as four or five payroll deductions depending on the month. If the bill is paid as billed, payment reconciliation can occur automatically. Over/short tolerances are provided. If not paid as billed, reconciliation and payment is an online realtime task using a screen that provides the information in the same order as the bill. Ancillary Worksite Support From time to time, conditions arise that impact a significant number of worksite employees. The worksite agent can change. Certificates are required to be activated on a specific day. Employees are no longer employed. They need to be disassociated with the group to potentially bill as an individual policy. Titanium provides for this in a mass change facility. On a group basis, a set of certificates can be selected through various selection criteria to present a list of certificates that require change. The change required can then be accomplished on all or a selected portion of those certificates presents. Titanium supports: Case Management o o o o o o o o Client Information Employer Marketing Company Enrolling Company Writing Agent Servicing Agent Names Addresses Contract Information o o o o o o o Case Rules and Variations Location Employee Class Payroll Mode Department Issue State Application State Full/Part Time o o Case Specific Enrollments Customized Products Underwriting Offer Underwriting o o o o o o o o o o o Underwriting Offer Minimum Face Limits Maximum Face Limits Minimum Premium Limits Maximum Premium Limits Policy Counts Part 2 Questions Expert Underwriting Supports JSR-94 compliant rules engine option Automatic Issue Automatic Decline Alter Underwriting Level Assign Underwrite Certificate Management 100% Real-Time Increases/Decreases Re-Enrollment Billing Changes Accounting o Commissions Paid Maintenance Billing/Collection Enrollment Group Data Entry Screens Individual Certificate Screens Fixed Format Data Transmission ACORD Standard XML Transmission Consolidated/Segregated Bills All Frequencies Location Sensitivity Over/Short Rules Group Processing Product Traditional Life Non-Traditional Life Health Annuities Customized by Case/Enrollment Group Dissolve Activation Reinstatement Agent Changes Mass Changes