Frequently Asked Questions

Quick answers to your common questions.

Our team will work hard every month to audit each carrier invoice for you, identifying every discrepancy that exists between your invoices and your benefits administration or payroll system. Once we’ve identified a billing error, you and your broker should work directly with your insurance carrier to have the charges adjusted on your next invoice. If we’ve identified an error in the way that your benefits administration or payroll system is configured, you should work with your platform’s customer service team to correct it. Our support team is always available to help you understand your reports and create a plan of action to resolve all discrepancies.
We are always able to apply COBRA rates to carrier and TPA administrative invoices so that your internal claims funding perfectly matches the stop-loss, network, and admin fees that you’re paying each month.

Our capabilities are inherently limited with claims activity reports. Typically, your insurance carriers and TPAs will report claims activity in an aggregated and de-identified fashion. While we are still able to collect and deliver claims reports through our VerifiaBill portal, without employee-level detail it becomes impossible to audit claims or further allocate claims activity to internal cost centers.

Historically, across all of our clients, we’ve observed just over 5% of premium spend to be “in error” from month-to-month. That provides a good indication as to the impact that our services provide, but it shouldn’t be counted as “savings” without digging further into the nature of the discrepancies themselves.

Billing discrepancies come with varying degrees of financial impact – some represent critical data inaccuracies, but no monetary discrepancy, while others may ultimately incur a net cost rather than savings. As an example, let’s say Jane elected a medical plan with a January 1st start date. The medical carrier doesn’t bill for Jane on either the January or February invoice. Jane’s employer now owes 2 months of coverage whereas the discrepancy may have gone unnoticed without our services. Yes, this discrepancy costs Jane’s employer money, but money that they do owe and are likely happy to pay.

So let’s get it back to savings – our clients typically see a positive ROI on our services, although the exact amount to expect is difficult to define. We like to talk in terms of impact – an employer with $100,000 of monthly benefit spend can expect us to identify $5,000 worth of discrepancies each month, each of which will have different monetary implications.

After we’ve collected each of your individual carrier and vendor invoices, we’ll release a Consolidated Summary to our VerifiaBill portal. The Consolidated Summary or (or Consolidated Invoice for bill pay clients) will be released within 1 business day after all individual invoices have been released by your carriers and vendors.

As a reminder, we’ll also immediately post each individual invoice to our VerifiaBill portal as soon as we collect them from your carriers and vendors.

We’ve developed proprietary automation technology and related internal processes that allow us to check for invoices from carrier and vendor portals daily and collect them at scale. While we anticipate the availability of online portals for most carriers and vendors, we are alternatively able to collect invoices via email distribution lists when necessary.


We are the only billing solution leveraging our best-in-class technology to know when your invoices are available each month and ensure with the utmost priority that they are delivered to you as quickly as possible.

After we’ve collected each of your individual carrier and vendor invoices and we’ve delivered your consolidated invoice, we’ll release both a Cost Allocation Report and a Discrepancy Identification Report to our VerifiaBill portal. Both reports will be released within 5 business days after all individual invoices have been released by your carriers and vendors.
We haven’t found one yet! We’ve worked with hundreds of insurance carriers, benefit vendors, and TPAs, and we’ve developed integrations with every one of the most prevalent benefits administration and payroll platforms, including many lesser-known providers.

Absolutely! Contact us at info@beneration.com for a custom quote.

Yes, of course. We’ve provided custom, white-labeled solutions for brokers, PEOs, TPAs, consulting firms, and insurance carriers.

In order to provide our services, we require access to both a benefits administration or payroll platform, as well as insurance carrier and benefit vendor invoices. We treat the security and confidentiality of employee and client information as a top priority. To ensure that all information is secure, we’ve implemented extensive controls, and we undergo an annual SOC 2 Type II audit, the details of which are available upon request.

Yes, depending on your requirements, additional costs may apply, but we are always able to customize any reporting to fit your specific needs.

If you’ve elected our Carrier Bill Pay service, we leverage a PCI-compliant, API-based payment gateway to collect premium funds from you and your company. Once we’ve received your payment, we have a dedicated internal team that pays carriers using a variety of methods; in order of availability: online bank transfers, ACH/wire transactions, phone-based payments, and expedited checks.


Paying your carriers and vendors on time, every month, is an absolute must for our team. When we pay your invoices, we always ensure that your carrier or vendor account is current with no outstanding balance or overpayment.

We collect enrollment data from your benefits administration or payroll platform in a variety of different ways. Depending on your specific platform, we’ve developed custom integrations, API-based integrations, SFTP transfers, EDI feeds, or manual report-running. Regardless of your platform, we have an efficient and secure method of collecting your data.

Payroll deduction auditing is not a standard component of our VerifiaBill service — we’ve observed an increasing trend of integrated payroll-benadmin systems, or systems that combine both payroll and benefits in one place – negating the need for any auditing. If you require a regular payroll deduction audit against benefits administration enrollment data, we are able to customize a solution to meet your needs.

Yes! Biweekly invoices are no problem at all — neither are weekly, quarterly, bimonthly, or otherwise. If you have an invoice that is billed in arrears, we audit it properly, using data from that specific time period to accurately identify any discrepancies that exist.