The best supplemental health benefit plan is one that is used wisely — and that starts with a claim. Our compassionate, easy and personalized experience drives utilization.
Committed to paying the most supplemental health claims to employees
Streamlined claims experience
We make it easy for employees to file claims and maximize their benefit payout by streamlining the process and requiring less documentation.
Cross-product review
We look across product lines and file claims for all policies that apply to the claim
Proactive approach
We issue as many payments as possible based on initial documentation
Flexible submission
Claimants can submit a claim via online portal and easily upload claim documents
As of March 2024. Statistics reflect entire group insurance business of Minnesota Life Insurance Company and Securian Life Insurance Company.
Proactive labor and delivery claim payments
Our hospital indemnity insurance proactively pays labor and delivery claims. Once the birthing parent reaches 36 weeks gestation, we pay the hospital indemnity claim for routine labor and delivery. Both the initial and daily benefits will be paid for a three-day stay. Longer stays are eligible for additional benefits.
Behind every claim is a person
Medical claims integration, powered by Reclaim
Medical claims integration further streamlines the claims process to deliver an optimal employee experience. It allows employers and employees to opt in to a solution that alerts the employee when a medical event might qualify for a supplemental health payout.
Participants experience greater benefit utilization and an easier claims submission experience, providing consent only one time for all future claims
Reclaim sets up a secure file transfer protocol with the employer’s medical provider(s) allowing them to receive historical and ongoing claims data to match with the claim-eligible supplemental health coverage
The claims data will be used to substantiate covered benefits, in many cases, eliminating the need for an employee to provide an explanation of benefits (EOB)
Prompts customer throughout the experience to successfully engage in the claims process and customer notifications to finalize their claims submission
Bereavement care
Available with our supplemental health products, Empathy is a comprehensive support system for loss, offering families holistic on-demand guidance and care for administrative, emotional, legal, and financial challenges they face when dealing with a life-threating condition.
Tech-enabled assistance and a dedicated Care Manager
Step-by-step guidance through estate planning and emotional/practical challenges of pending loss
On-demand access to the larger Care Team for one-on-one support
- No additional cost to employer, employee, or beneficiary
At Securian Financial, we are committed to providing the highest claims payout to maximize the value of your benefits.
My husband is unable to work now and this benefit has been a blessing.
Empathy
Holistic support and on-demand guidance for employees anticipating or after experiencing a loss.
Learn moreTestimonial provided by verified Securian Financial customer, 2024.
As of March 2024. Statistics reflect entire group insurance business of Minnesota Life Insurance Company and Securian Life Insurance Company.
DOFU 1-2025
4168756