Mutual of Omaha's Workplace Solutions division and Claritev have agreed to integrate their platforms to automate the supplemental health benefits claims process. Claritev's medical claims data will identify policyholders eligible to file under accident, critical illness, or hospital indemnity coverage and notify them to do so.
The integration addresses a well-documented gap in voluntary benefits. NFP's 2026 US Benefits Trend Report found fewer than one in three employees fully uses their supplemental benefits. The same report found 13% are unaware they have them at all.
Employees who experience a qualifying medical event often do not connect it to the supplemental coverage they enrolled in at open enrollment. The service scans medical claims data to flag qualifying events and sends a notification prompting the employee to file a claim.
Mutual of Omaha describes the service as covering the full cycle, from identifying a potential supplemental claim through to helping employees receive payment.
Andy Gibson, the firm's senior vice president of workplace solutions claims, said employers often do not understand the value of the voluntary benefits they have chosen. "Claim integration streamlines the process at every stage, from identifying potential supplemental claims to notifying employees to help them file claims and receive benefits even faster," Gibson said.
Travis Dalton, president and CEO of Claritev, said the collaboration is aimed at reducing friction for employees during medical events. "Employees want to focus on recovery, not on the challenges that can come when medical events occur," he said. "Claritev is focused on delivering affordability, transparency, and quality to the healthcare system."
Claritev serves more than 750 healthcare payers, more than 100,000 employers, and 60 million consumers. The company has more than 45 years of claims processing experience.
Utilization matters at renewal for brokers placing voluntary benefits. Employers who cannot show that employees used the coverage they purchased are harder to retain as clients.
A carrier offering automated claims triggers reduces that renewal risk by improving utilization without requiring additional employer communication effort. Demonstrating actual claims activity is becoming a stronger part of the renewal pitch. Rising healthcare costs are pushing more employers toward supplemental coverage as a lower-cost way to improve their benefits package.
