Securian Offers Voluntary Benefits Decision Support Tool

Securian Financial has launched a decision-support experience to educate employees about the voluntary benefits the insurer offers through employers.

Called Benefit Scout, the interactive, digital platform leverages artificial intelligence to guide employees step-by-step through the decision journey. The result is less guesswork for employees—and fewer questions for human resources staff—during enrollment.

Employees answer a few simple questions about their family, lifestyle, savings and debts, and Benefit Scout analyzes their answers with data and decision logic to calculate the options for them, based on their unique needs. Finally, employees get specific voluntary insurance benefit recommendations and cost estimates, which they can evaluate and customize before enrolling.

As part of the experience, employees have 24/7 access to Scout, the platform’s virtual chat assistant, and they can contact on-demand Securian Financial benefit counselors by phone or online chat for one-on-one support.

Benefit Scout is available at no cost to qualifying Securian Financial group insurance customers.

According to Travis Symoniak, Securian Financial’s manager of group insurance enrollment solutions, more employers are offering voluntary benefits like supplemental life, accident, critical illness and hospital indemnity insurance to help improve their employees’ financial security. However, enrollment can often be low due to employees not understanding these benefits or not knowing that they are available to them.

“Benefit Scout helps employees better understand and make informed decisions about the Securian Financial insurance benefits available to them through their employers,” Symoniak says. “It can increase enrollment and improve participation in employer voluntary benefit programs, which helps to reduce the rate of uninsured and underinsured employees.”