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The traditional enrollment process for employee benefits, which often involved filling out paper forms and waiting for them to be processed, has shifted towards an online platform. Employers are now seeking ways to improve this experience by incorporating decision-support tools.

This move towards digital enrollment is not new but adding these tools to enhance decision-making is becoming increasingly important. Ultimately, the goal is to make the process more user-friendly.

Simplifying Benefits

Benefits are complicated, and most employees do not have the time to learn all the ins and outs of each one. Online decision-support tools help employees understand their benefits by providing clear and concise information. These tools also allow employees to compare different options side-by-side, making it easier for them to make an informed decision.

For example, an online calculator that enables employees to compare health plans and factors in premiums and previous or expected expenses can help them save money. According to Chad Wilkins, executive VP of Webster Bank in Sheboygan, Wisconsin, 20% to 30% of people choose a different health plan after using a decision- support tool.

Improving Engagement

Employees who use decision-support tools during open enrollment are more likely to be engaged in the process. They are also more likely to be satisfied with their benefits and feel like they understand their options.

It’s only logical since people have become so used to Amazon and similar personalization systems that they expect the same experience in other areas of their lives, including benefits enrollment.

Easing Communication

Enrollment platforms and digital tools in multiple languages can also help to improve communication with employees, especially with a workforce that is not entirely comfortable reading or speaking English.

Protecting the Environment

Going digital is also more environmentally friendly. The paper forms traditionally used for benefits enrollment are no longer necessary, reducing waste.

Paper Is Still Necessary

In some cases, paper will still be necessary. For example, some employees may not be able to easily access a computer, such as those who work in manufacturing or construction.

Using online decision-support tools during benefits enrollment can help employees make better decisions, be more engaged in the process, and feel satisfied with their benefits. However, experts advise companies to continue providing employees with person-to-person support to ensure a successful enrollment experience.

For more Employee Benefits information, contact INSURICA today.

Copyright © 2022 Smarts Publishing. This is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.

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