For years, Insurance Carriers and Benefit Administration (BA) platforms have touted “integrated”, end-to-end benefits experiences for employees and HR teams alike. While the employee enrollment experience has significantly improved through the use of BAs, the rest of the process, from plan setup to EOI to Billing and Claims, leaves much to be desired. Through our API integrations, Mutual of Omaha aims to change that.
API Connections
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Why Do API Integrations Matter?
API stands for Application Programming Interface. What it really means is an easier and faster way to securely integrate information from multiple sources. At Mutual of Omaha, we are investing our resources into applying APIs to make the experience working with us as easy for you as possible.
What is an API?
Here at Mutual of Omaha, we have been on a multi-year technology modernization journey re-building and restructuring our systems and data to meet the ever-changing business needs of our industry. We’ve taken the time to re-build with a focus on flexibility which will allow us to connect with our clients and technology partners in a way that works best for them. Gone are the days of insurance carriers bending the business process to meet their outdated legacy system limitations.
How We Got Here
As an added measure, this will ensure security of data transmissions.
SECURE
API integration will enable up-to-date and accurate billing.
DATA
Real-time feedback will reduce overall time to process election information and the number of discrepancies.
REAL-TIME
Instantaneous election updates will allow for quicker access to coverage.
ACCESS
Enrollment data will allow for real-time election updates to pass from the benefit administration platform to Mutual of Omaha.
Enrollment
The added ease of an integrated EOI experience will allow for easier access to voluntary benefits for employees.
PLAN PARTICIPATION
Will create an automated end-to-end user EOI experience all within the enrollment process.
USER EXPERIENCE
Automated approval and rejection process will eliminate the countless hours spent manually updating in benefits administration platforms.
APPROVALS & REJECTIONS
This will allow for seamless enrollment flow for voluntary amounts requiring EOI. In addition, it will also allow for automated decision notifications within the enrollment flow.
EOI Questions & Decisions
These integrations will significantly reduce resources needed at the employer, broker and benefit administrator to implement a group onto the platform.
COST
APIs will reduce group implementation time from months to days, automate plan configuration processes within the benefit administration platform and eliminate the need for any requirement clarification discussions between Mutual of Omaha and the client, broker or the benefit administrator.
TIMING
With API integration, it will ensure accuracy of plan, rate and eligibility rule setup in the benefit administration platform. This will reduce discrepancies and invalid claims.
ACCURACY
Plan Configuration will allow Mutual of Omaha to push the plan, rate and eligibility rule information directly into the benefit administration platform without any manual intervention.
Plan Configuration
Mutual Connections will tackle these challenges through three key areas initially, but this is just the beginning. Our vision for the future is an efficient, truly integrated, end-to-end benefits experience for employees and employers alike.
Enhanced Benefits
Insurance products and services are offered by Mutual of Omaha Insurance Company or one of its affiliates. Home office: Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. Mutual of Omaha Insurance Company is licensed nationwide. United of Omaha Life Insurance Company is licensed nationwide, except in New York. Companion Life Insurance Company, 425 Broadhollow Road, Second Floor Melville, NY 11747. Companion Life Insurance Company is licensed in New York. Each underwriting company is solely responsible for its own contractual and financial obligations. Some exclusions or limitations may apply. *Timelines and deliverables are subject to change.
We're working closely with these partners to ensure seamless API integration with their systems. Stay updated on key dates to know when these partners will be API-ready.
Our Integrated Partners
Explore Our API Integration Partners
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ADP EOI
APIs: All you need to know on the latest acronym everyone can’t stop talking about. Learn how Mutual of Omaha is using them to enhance the employer and employee experience.
APPLICATION PROGRAMMING
Interface
API stands for Application Programming Interface. APIs have been around for a long time and are in action behind the scenes in almost every industry except group insurance...until now. Simply put, APIs provide an easier and faster way to securely integrate information from multiple sources. A great example of APIs at work in other industries is our ability to see multiple airlines price quotes on a given flight route all aggregated into an easy to understand format on a travel website.
Access to provider information for current or potential employees of a given insurance plan, all from your benefit administration platform.
Real-time transfer of employee election information from benefit administration system to carrier.
Embedded EOI form in the employee enrollment process and real-time EOI decisions pushed back into the benefit administration platform allow for a streamlined employee experience and automated decisions process. No more monthly reports requiring the HR team to navigate through the benefits administration platform to approve or reject employee by employee.
Track claim status and manage absences for payroll or attendance purposes, all from your benefit administration platform.
Automated bill generation for self-administered or list-billed plans, eliminating the need for HR departments to manually create, manipulate, & send monthly reports from your benefit administration platform for reconciliation. The insurance carrier will work behind the scenes with the benefit administrator to get all the needed info and simply shows you how much is owed.
Plan Setup
This is the foundational API integration. It automates the setup of benefit plan rules, rates and summary info in your benefit administration platform reducing implementation time to days vs. weeks and ensures accurate plan information shown to employees.
Today an “integrated” partnership between a benefit technology platform and carrier generally refers to a one-way weekly batch transfer of eligibility data from the benefit technology to the carrier. This is an important, but small piece of the entire data integration puzzle. APIs allow for the multi-directional flow of information across all carrier and benefit technology data. Here are some ways we know APIs will help change the group insurance game in the near future:
How Does it Affect Me?
EOI
Eligibility
Billing
Claims Management
provider directory
We are developing partnerships with HR platforms you use every day to make Mutual of Omaha the easiest carrier to do business with.
our integrated
Insurance products and services are offered by Mutual of Omaha Insurance Company or one of its affiliates. Home office: Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. Mutual of Omaha Insurance Company is licensed nationwide. United of Omaha Life Insurance Company is licensed nationwide, except in New York. Companion Life Insurance Company, 425 Broadhollow Road, Second Floor Melville, NY 11747. Companion Life Insurance Company is licensed in New York. Each underwriting company is solely responsible for its own contractual and financial obligations. Some exclusions or limitations may apply.
Partners
Click on the partners below to learn more.
WORKDAY
bswift
Employee Navigator
planSource
ADP
Plan Configuration:
Coming soon!
2025
EOI, Enrollment, Absence and
2024
EOI:
EOI: Coming soon 2024
In Pilot
EOI: Now Available! Enrollment: Coming soon
EOI: In Pilot – Coming Soon! Enrollment: Coming Soon!
Now Available!
Mutual of Omaha is an ADP Partner Advantage Program partner! Through this unique partnership with ADP we’re able to add tremendous value by connecting our clients to exclusive ADP tools, resources and techology to help address benefits and HR challenges.
Mutual of Omaha and ADP
ADP’s integrated HCM system includes modules for recruitment/onboarding, HR and benefits, mobile apps, and self-service tools, payroll and time and attendance, as well as an extensive marketplace. Our participation in the ADP Partner Advantage Program gives us the opportunity to spearhead HCM implementation, reduce costs, automate manual processes and help clients make the most of their technology investment.
• Accident • Accidental Death and Dismemberment (AD&D) / • Voluntary Accidental Death and Dismemberment • Critical Illness • Dental • Hospital Indemnity • Life • Long-Term Disability / Voluntary Long-Term Disability • Short-Term Disability / Voluntary Short-Term Disability • Vision
Supported Products
Click here to learn more
Need additional help with group set up, file build, or reporting support? With Mutual of Omaha's unique partnership with ADP we can help align the ADP's Professional Services team to help you maximize your ADP investment!
NEED help?
Mutual of Omaha receives information, providing accurate billing and claims without any file feed implementation timelines or hassle, and no manual data entry needed.
Enrollment and demographic information is transmitted via API to Mutual of Omaha in real time
Employee enrolls in their benefits within ADP Workforce Now
Employee election information automatically passed in real-time from ADP Workforce Now to Mutual of Omaha
Coming Soon
Enrollment API
SOON
Mutual of Omaha transmits decisions back to ADP WFN adjusting the employee's benefits and payroll deductions in real-time without any intervention needed from the HR team.
Mutual of Omaha approves or declines coverage.
An EOI form, prepopulated with employee information opens within the WFN platform for a seamless EOI completion experience
Employee makes an election in ADP Workforce Now Platform that triggers the need for EOI
Enrollment integrated EOI experience and automated decisions
Now Available
evidence of insurability api
Benefits plan setup is complete within hours without any manual input needed from the employer.
ADP seamlessly and automatically creates the plan, ready for enrollment.
Mutual of Omaha digitally transmits plan design to ADP via API.
Mutual of Omaha creates plan within Mutual of Omaha's platform.
Employer and broker collaborate to establish plan design.
Automated and accurate set up of Mutual of Omaha plan rules and rates on ADP Workforce Now Platform
Plan configuration API
Evidence of Insurability
Enrollment API Employee election information passed in real-time from ADP to Mutual of Omaha
Evidence of Insurability API Enrollment integrated EOI exerience and automated decisions
Plan Config API Automated set up of Mutual of Omaha plan rules and rates on ADP system
Our API Integrations with ADP will help reduce time spend on manual processes and streamline the benefits administration experience
Advanced Technology
Streamlines employee and employer experience and improves data accuracy and quality
API development
Eliminates costly and time-consuming admin tasks when plan configuration API is used
No implementation fees
Solutions are backed by a knowledgeable support system from a trusted resource
Dedicated Support
Mutual of Omaha is an ADP Partner Advantage Program Member
Benefit administration is complex — let's make it easy!
Goal
Employee Benefits
EFFICIENT
Insurance products and services are offered by Mutual of Omaha Insurance Company or one of its affiliates. Home office: Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. Mutual of Omaha Insurance Company is licensed nationwide. United of Omaha Life Insurance Company is licensed nationwide, except in New York. Companion Life Insurance Company, 425 Broadhollow Road, Second Floor Melville, NY 11747. Companion Life Insurance Company is licensed in New York. Each underwriting company is solely responsible for its own contractual and financial obligations. Some exclusions or limitations may apply.
for Employers.
Mutual of Omaha and ADP have joined forces to enhance benefits enrollment with seamless Evidence of Insurability (EOI) integration. Managing benefits administration is complex, but our API simplifies and streamlines the process, saving time and effort for both employers and employees.
for Employees.
SIMPLE
Go Back To Adp Partnership
Simplify Benefits Enrollment Today With Mutual of Omaha and ADP Workforce Now, managing EOI has never been easier. From faster approvals to automated updates, our solution creates a streamlined, efficient experience for all.
Effortless Management. Decisions are automatically returned to ADP and visible on the digital dashboard, saving HR teams from manual tracking and paperwork.
Time-Saving Integration. Real-time EOI updates eliminate duplicate entries and manual corrections, significantly reducing administrative burdens.
Accurate and Automated. Payroll deductions start automatically, maintaining accurate electronic records and ensuring compliance.
Enhanced Employee Experience. A streamlined, error-free process enhances employee satisfaction, reducing questions or complaints to HR teams.
Seamless Digital Experience. The EOI form is completed directly within the ADP Workforce Now Platform without ever leaving the enrollment window.
Fast and Accurate. Forms prepopulated with employee information ensures applications are completed in under a minute, reducing errors and streamlining the process.
Real-Time Decisions. Receive approval or denial updates instantly, so there's no waiting or uncertainty.
Secure and Confidential. Enjoy peace of mind with secure submission of personal information via a trusted digital platform.
Key Benefits of ADP EOI Integration
Real-Time Updates
Decision by Mutual of Omaha
Seamless EOI Completion
Employee Election
How the Integration Works
What is Evidence of Insurability (EOI)?
Typically, employees are offered a guaranteed basic amount of life insurance with the option to purchase additional coverage. When employees opt for extra coverage, they must provide EOI, a process that traditionally involves completing health questionnaires, undergoing underwriting, and submitting forms. This back and forth can lead to delays or missed steps, causing frustration for both employees and HR teams.
Mutual of Omaha and ADP simplify this step with: Real-time API Integration Elimination delays Ensuring Smooth Accurate Processing
Employees
Employers
Mutual of Omaha and
Plansource
Mutual of Omaha and PlanSource have partnered to bring a quality benefit and technology experience. HR teams spend a significant amount of time on manual configurations, but API connections cut back on the manual work.
Need additional help with group set up, file build, or reporting support? With Mutual of Omaha's unique partnership with PlanSource we can align PlanSource's Professional Services team to help you maximize your PlanSource investment!
Employee enrolls in their benefits within PlanSource
Employee election information automatically passed in real-time from PlanSource to Mutual of Omaha
Mutual of Omaha transmits decisions back to PlanSource adjusting the employee's benefits and payroll deductions in real-time without any intervention needed from the HR team.
An EOI form, prepopulated with employee information opens within the PlanSource platform for a seamless EOI completion experience
Employee makes an election in PlanSource Platform that triggers the need for EOI
PlanSource seamlessly and automatically creates the plan, ready for enrollment.
Mutual of Omaha digitally transmits plan design to PlanSource via API.
Automated and accurate set up of Mutual of Omaha plan rules and rates on PlanSource Platform
Plan setup API
Enrollment API Employee election information passed in real-time from PlanSource to Mutual of Omaha
Plan Setup API Automated set up of Mutual of Omaha plan rules and rates on PlanSource system
Our API Integrations with Plansource will help reduce time spent on manual processes and streamline the benefits administration experience.
Mutual of Omaha is a PlanSource Partner
Mutual of Omaha with bswift
Integration
Mutual of Omaha is a bswift integration partner! Mutual of Omaha and bswift work closely to create deeper system connections that provide employees with a better enrollment experience and employers with a more efficient administration experience.
• Critical Illness • Term Life/Voluntary Term Life • Voluntary Long-Term Disability • Voluntary Short-Term Disability
Need additional help with group set up, file build, or reporting support? With Mutual of Omaha's unique partnership with bswift we can align bswift's Professional Services team to help you maximize your investment!
Employee enrolls in their benefits within bswift Workforce Now
Employee election information automatically passed in real-time from bswift Workforce Now to Mutual of Omaha
Mutual of Omaha transmits decisions back to bswift WFN adjusting the employee's benefits and payroll deductions in real-time without any intervention needed from the HR team.
Employee makes an election in bswift Workforce Now Platform that triggers the need for EOI
Plansource seamlessly and automatically creates the plan, ready for enrollment.
Mutual of Omaha digitally transmits plan design to bswift via API.
Automated and accurate set up of Mutual of Omaha plan rules and rates on bswift Workforce Now Platform
Enrollment API Employee election information passed in real-time from bswift to Mutual of Omaha
Plan Config API Automated set up of Mutual of Omaha plan rules and rates on bswift system
Our API Integration with bswift helps reduce time spent on manual processes and streamline the evidence of insurability experience.
Mutual of Omaha is a bswift integration Partner
Mutual of Omaha and bswift have joined forces to enhance benefits enrollment with seamless Evidence of Insurability (EOI) integration. Managing benefits administration is complex, but our API simplifies and streamlines the process, saving time and effort for both employers and employees.
Go Back To bswift Partnership
Simplify Benefits Enrollment Today With Mutual of Omaha and bswift Workforce Now, managing EOI has never been easier. From faster approvals to automated updates, our solution creates a streamlined, efficient experience for all.
Effortless Management. Decisions are automatically returned to bswift and visible on the digital dashboard, saving HR teams from manual tracking and paperwork.
Seamless Digital Experience. The EOI form is completed directly within the bswift Workforce Now Platform without ever leaving the enrollment window.
Key Benefits of bswift EOI Integration
Mutual of Omaha and bswift simplify this step with: Real-time API Integration Elimination delays Ensuring Smooth Accurate Processing
Mutual of Omaha transmits decisions back to bswift adjusting the employee's benefits and payroll deductions in real-time without any intervention needed from the HR team.
Workday
Mutual of Omaha is proud to be an inaugural partner in the Workday Wellness program! By joining forces, we are revolutionizing the benefits technology experience — delivering tailored, high-impact benefit solutions that empower both employees and employers.
Need additional help with group set up, file build or reporting support? With Mutual of Omaha's unique partnership with Workday we can align our Professional Services team to help you maximize your Workday Wellness investment!
Enrollment and demographic information is transmitted via API to Mutual of Omaha in real time.
Employee enrolls in their benefits within Workday Wellness platform.
Employee election information automatically passed in real-time from Workday Wellness platform to Mutual of Omaha
An EOI form, prepopulated with employee information opens within the PlanSource platform for a seamless EOI completion experience.
Employee makes an election in Workday Wellness Platform that triggers the need for EOI.
Mutual of Omaha digitally transmits plan design to Workday via API.
Automated and accurate set up of Mutual of Omaha plan rules and rates in Workday Wellness platform
plan configuration api
Our API Integrations with Workday will help reduce time spent on manual processes and streamline the benefits administration experience.
Gain holistic, real-time insights to optimize benefits, enhance employee well-being, and boost ROI
AI-Powered intelligence
Personalized, data-driven wellness solutions for employees directly in the platform
curated wellness
Mutual of Omaha and Workday Wellness — innovating benefits technology
Key business processes like payroll and badge access are updated in real-time without any HR intervention needed.
Statuses and other pertinent information is updated in real-time on the Workday Wellness platform.
Employee initiates leave claim within Workday Wellness platform.
Requests and approvals are updated in real-time, eliminating the need for manual intervention or verification.
Absence management api
This API integrated plan configuration transforms benefit plan setup. What once took hours of manual entry — plan names, rates, classes and eligibility rules — is now automated. Assuring accuracy, significantly reducing implementation time, and improving the employer and employee experience.
Need additional help with group set up, file build, or reporting support? With Mutual of Omaha's unique partnership with Employee Navigator we can align our Professional Services team to help you maximize your Employee Navigator investment!
Mutual of Omaha transmits decisions back to Employee Navigator adjusting the employee's benefits and payroll deductions in real-time without any intervention needed from the HR team.
An EOI form, prepopulated with employee information opens within the Employee Navigator platform for a seamless EOI completion experience.
Employee makes an election in Employee Navigator Platform that triggers the need for EOI
Employee Navigator seamlessly and automatically creates the plan, ready for enrollment.
Mutual of Omaha digitally transmits plan design to Employee Navigator via API.
Automated and accurate set up of Mutual of Omaha plan rules and rates on Employee Navigator
Evidence of Insurability API — Enrollment integrated EOI experience and automated decisions.
Plan Config API — Automated setup of Mutual of Omaha plan rules and rates on Employee Navigator system
Mutual of Omaha is an Employee Navigator Partner
Our API Integrations with Employee Navigator will help reduce time spent on manual processes and streamline the benefits administration experience.
