Modern benefit experiences powered by technology and real-time data exchanges

You want a connected, seamless benefits engine, powered by real-time API (Application Programming Interface). That’s PruExchange. It supercharges what we and our benefit partners do behind the scenes to make onboarding smoother, enrollments easier, absence and disability administration simpler, and more. It’s part of how we’re making benefits experiences better for everyone.

PARTNERSHIPS

Partnerships with leading benefits enrollment and administrative companies and leading-edge data exchanges create value for our customers

Click on the logos below to learn about some of our partners

REAL-TIME DATA VIA APIs

APIs enable many systems to share data in real time between trusted businesses

See how APIs help people quickly compare air travel costs and flights when planning a vacation

A couple visits a popular website to book air travel. Once they enter their destination and travel dates, the site grabs data from their trusted eCommerce partners that fit their criteria and presents it to the couple in real time within seconds. This process is enabled by APIs. Then, based on their selection, the API reconnects with the partner and completes the reservation.

RESULTS

Delivering results that matter

Evidence of Insurability (EOI) API integration delivers convenience

Beyond seamless EOI completion, decisions are updated in real time through API.

Real-time decisions update in HCM or benefits administration system

Faster, more accurate coverage and premium updates for payroll.

Real-time status updates provide greater transparency

Employers and employees have better insight into EOI status.

Working from a single website simplifies managing leave requests

No more toggling between systems.

Automation reduces time-consuming manual tasks

Leave requests are updated in HCM system. No need to upload files and reports.

EASIER ENROLLMENTS

SIMPLER ABSENCE AND DISABILITY ADMINISTRATION

For more information, contact your Prudential representative.

A picture of a couple smiling while looking at a phone.

ADP’s Benefits Services combines leading technology with the expertise of benefits specialists to support benefits administration, cost, and risk. Employees have the tools to take control of choosing and using their benefits, while helping to increase engagement. ADP’s Benefits Services integrates advanced technology within the current HCM environment—backed by the expertise of benefits specialists to help employers with complex benefits administration.

API ECOSYSTEM

Our API ecosystem seamlessly exchanges data between benefit platforms, customers, and us

CUSTOMER

PRUDENTIAL

Customer and broker define plan design with Prudential

Configures plan design in admin system Plan design and rates transmitted to platform partner via API

Consumes plan setup data and automatically configures customer for enrollment

Disability and Absence Eligibility Synch API

Automated retrieval of employee eligibility data, eliminating the need to extract and send weekly batch files.

Alight's human capital and business solutions help employers connect insights between systems and silos so their whole organization can transform. Whether organizations have 1,000 or over 100,000 employees, Alight makes sure each one receives a personalized, guided benefit enrollment experience. Alight asks a few simple questions up front and makes a personalized enrollment suggestion based on our robust, data-driven health benefits administration processes. By ensuring employees have the tools to make smart decisions at enrollment and throughout the year, we can help organizations meet their health benefit administration goals. Our Alight Ops Monitor gives employers full transparency and access to unique insights and information about how people use their benefits and how we're doing serving them.

bswift, a CVS Health company, empowers employees to achieve their health ambitions while helping employers achieve their benefits strategy with administrative ease. With over 65,000 employers and 14.5 million lives, bswift has years of experience with employers of all industries and sizes. Whether for a large, national organization with 100k+ employees or for an organization with 2 to 1,000 employees, our flexible solutions fit employers’ unique benefits strategy.

Has a Fortune 5 world-class security infrastructure Offers a secure experience, end-to-end Empowers employees with Ask Emma, an interactive decision support tool that suggest plan options based on employees’ responses to a few simple questions Transforms enrollment into an intuitive experience Is mobile enabled Provides telephone, chat, and white glove services (survivor support, retiree counseling, executive support)

Through simple and efficient delivery, Businessolver makes it easy for employers and their employees to manage benefits no matter where work gets done. By leveraging advanced connections, we provide smoother, real-time, and personalized interactions for a better experience. Businessolver offers a broad range of financial protection solutions with streamlined administration to help take work off the employer’s plate. Our partnership helps reduce administration and increase employee engagement and appreciation with a benefits program.

Empyrean provides a platform for employees that, through flexible configuration, manages the integration and support for employer benefit offerings, including:

End user benefits enrollment, management, and reporting Benefit and shared services ongoing administration Benefits management configuration and automation tool Eligibility determination, ACA reporting, and compliance Review current benefits, employer resources, and enroll all from an app

PlanSource is a technology company driven to create a better benefits experience for employees and the HR teams that support them. Nearly 5.5 million consumers receive their benefits through the PlanSource platform, which provides flexible and intuitive software and services for benefits administration. By combining industry-leading software and a full suite of technology-enabled services, PlanSource provides companies of all sizes with a complete solution for benefits shopping, enrollment, billing, compliance and administration.

Employees enroll in benefits

Passes eligibility and election data to downstream admin systems

Transmits eligibility and election data to Prudential via API

Absence & disability eligibility

Billing

Life claims

Employee is transferred to Prudential EOI site by SSO

Approves or denies pending coverage Transmits EOI status to platform partner via API

Updates employee’s benefits and deductions

Employee initiates a leave of absence

Approves or denies leave Transmits leave status to platform partner via API

Updates employee’s record with leave details

REDUCE MOTION

API JOURNEY

RESULTS

API ECOSYSTEM

REAL-TIME DATA VIA APIs

PARTNERSHIPS

04 ABSENCE OR LEAVES

03 EOI

02 ENROLLMENT

01 PLAN SETUP

02 ENROLLMENT

03 EOI

04 ABSENCE OR LEAVES

Improved employee benefit awareness and engagement campaigns. Prudential retrieves employee demographic and contact information directly from the partner system to provide more targeted financial wellness services.

Financial Wellness via Eligibility Data

COMING SOON

FINANCIAL WELLNESS VIA ELIGIBILITY DATA

Further enhancing the EOI process beyond Single-Sign On, Evidence of Insurability questions are presented and embedded within the platforms enrollment flow, eliminating the need for pop-up windows to complete EOI.

EOI Application Service

COMING SOON

EOI APPLICATION SERVICE

Reduces plan implementation time and ensures accurate plan rules for enrollment. Prudential sends plan setup and configuration data (coverage info, class structures, rates, and eligibility rules) to the partner admin/enrollment platforms.

Plan Setup

COMING SOON

PLAN SETUP

Simplified payroll preparation for employers, Prudential updates the platform directly with payroll deductions and benefit calculations for disability benefits, no more creating or loading manual reports.

Disability Payroll Updates

COMING SOON

DISABILITY PAYROLL UPDATES

Faster benefit payments to beneficiaries through reduced claims processing time, Prudential retrieves the needed employee coverage and beneficiary data from the platform directly, eliminating the need for employers to manually confirm eligibility and provide beneficiary data.

Life Claims via Enrollment Data

IN PROGRESS

LIFE CLAIMS VIA ENROLLMENT DATA

No more monthly preparation of premium support and reconciliation efforts for employers. Prudential retrieves employee and enrollment data directly from the platform and applies the appropriate rates and rules, providing for accurate premium calculations and an invoice for the customer.

Billing via Enrollment Data

IN PROGRESS

BILLING VIA ENROLLMENT DATA

Partnerships: Workday

Sync claim eligibility changes between partner(s) and Prudential. Access to real-time eligibility data at time of intake for claims processing.

Absence & Disability Eligibility Sync

IN PROGRESS

ABSENCE & DISABILITY ELIGIBILITY SYNC

Partnerships: Workday

Real-time absence claim status updates sent from Prudential to the employer/partner platform.

Absence Claim Status Updates

DEPLOYED

ABSENCE CLAIM STATUS UPDATES

Partnerships: Workday, ADP, PlanSource, WTW, Empyrean

Ability for employers/employees to get the latest status on EOI Applications submitted to Prudential for review.

EOI Status Update

AVAILABLE

EOI STATUS UPDATE

Deployed

The capabilities listed as in development below will be available first quarter of 2023.

We're putting customers and their employees at the center of everything we do via APIs.

API JOURNEY

End user benefits enrollment, management, and reporting Benefits and shared services ongoing administration Benefits management configuration and automation tool Eligibility determination, ACA reporting, and compliance Review current benefits, employer resources, and enroll all from an app

Empyrean provides a platform for employees that, through flexible configuration, manages the integration and support for employer benefit offerings, including:

Has a Fortune 5 world-class security infrastructure Offers a secure experience, end-to-end Empowers employees with Ask Emma, an interactive decision support tool that suggests plan options based on employees’ responses to a few simple questions Transforms enrollment into an intuitive experience Is mobile enabled Provides telephone, chat, and white glove services (survivor support, retiree counseling, executive support)

Deployed 1 EOI STATUS UPDATE AVAILABLE EOI Status Update Ability for employers/employees to get the lasted status on EOI Applications submitted to Prudential for review. Partnerships: Workday, ADP, PlanSource,WTW 2 ABSENCE & DISABILITY ELIGIBILITY SYNC In Progress Absence & Disability Eligibility Sync Sync claim eligibility changes between partner(s) and Prudential. Access to real-time eligibility data at time of intake for claims processing. Seeking partners 3 Absence Claim Status Updates In Progress Absence Claim Status Updates Real-time absence claim status updates sent from Prudential to the employer/partner platform. Partnerships: Workday 4 Billing Via Eligibility Data Coming soon Billing via Eligibility Data No more monthly preparation of premium support and reconciliation efforts for employers. Prudential retrieves employee and enrollment data directly from the platform and applies the appropriate rates and rules, providing for accurate premium calculations and an invoice for the customer. 5 LIFE CLAIMS VIA ELIGIBILITY DATA Coming soon Life Claims via Eligibility Data Faster benefit payments to beneficiaries through reduced claims processing time, Prudential retrieves the needed employee coverage and beneficiary data from the platform directly, eliminating the need for employers to manually confirm eligibility and provide beneficiary data. 6 DISABILITY PAYROLL MATCH Coming Soon DISABILITY PAYROLL MATCH Simplified payroll preparation for employers, Prudential updates the platform directly with payroll deductions and benefit calculations for disability benefits, no more creating or loading manual reports. 7 PLAN SETUP Coming Soon PLAN SETUP Reduces plan implementation time and ensures accurate plan rules for enrollment. Prudential sends plan setup and configuration data (coverage info, class structures, rates, and eligibility rules) to the partner admin/enrollment platforms. 8 EOI APPLICATION SERVICE Coming Soon EOI APPLICATION SERVICE Further enhancing the EOI process beyond Single-Sign On, Evidence of Insurability questions are presented and embedded within the platforms enrollment flow, eliminating the need for pop-up windows to complete EOI. 9 FINANCIAL WELLNESS VIA ELIGIBILITY DATA Coming soon FINANCIAL WELLNESS VIA ELIGIBILITY DATA Improved employee benefit awareness and engagement campaigns. Prudential retrieves employee demographic and contact information directly from the partner system to provide more targeted financial wellness services.

BENEFITS PLATFORM

PRUDENTIAL

CUSTOMER

PRUDENTIAL

BENEFITS PLATFORM

CUSTOMER

PRUDENTIAL

BENEFITS PLATFORM

© 2021 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. The Prudential Insurance Company of America, Newark, NJ. 1048646-00002-00 NOT11_DG_GI18_02

Accessibility

Available API: EOI Decision Status Update

TM

Partnerships: Workday

In development