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Revolutionary, Impactful, Substantial

The LDEx Standards are developed in a collaborative environment by an independent member group made up of organizations with a vested interest in developing industry-based data exchange standards. 
These standards are being created and updated to meet the needs of the industry through our well-established operating model and governance structure.

Plan Overview

Recently Implemented

LDEx Benefits Enrollment Management Standard 1.1
The LDEx Benefits Enrollment Management Standard 1.1 is a backward-compatible release of the 1.0 standard that was published in January 2020. This latest release enables the exchange of coverage elections, changes, and terminations, as well as non-coverage demographic changes between technology companies and insurance carriers. This new, release also supports:
  • Two-way data exchange - e.g., Carrier-initiated coverage changes
  • ID theft and legal products
  • Beneficiary Management
  • Enrollment Forms
  • Coverage change within existing policy
Supported Products:
  • Accident
  • AD&D
  • Cancer
  • Critical Illness
  • Dental
  • Hospital
  • Life
  • Lifestyle Benefits
  • LTD
  • STD
  • State DI
  • Vision
Supported Transmissions:
Technology Company to Insurance Carrier
  • Beneficiary Management
  • Coverage Election
  • Coverage Change
  • Coverage Termination
  • Non-Coverage Demographic Change
  • Transmission Response – e.g., Acknowledgement, Error Report
Insurance Carrier to Technology Company
  • Coverage Change
  • Transmission Response - e.g., Acknowledgement, Error Report

Supported Implementation Solutions:

Coming Soon

LDEx Delivery API implementation solution enables senders/receivers to implement a near real-time/real-time API focused on delivering an LDEx standard payload.

LDEx Evidence of Insurability Status & Decision Standard 1.0 allows Carriers to pass the Evidence of Insurability application status and the "final" underwriting decision to a Benefits Administrator.

Planned in 2020 – 2021

  • Support for enrolling FSA, HSA, HRA, and Medical products within the LDEx Benefits Enrollment Management Standard.
  • Allow insurance carriers to receive a full population eligibility data exchange from technology companies containing all company-hired or contracted employees regardless of eligibility within an LDEx Benefits Eligibility Management Standard.
  • Support the ability to exchange an Insurance Carrier's benefit plans with target technology platforms (e.g., quoting, enrollment, sold case administration) leading to configuration simplification and acceleration with an LDEx Benefit Plan Design (aka Case Build) Standard.
  • Allow carriers to send leave administration information to time management systems with an LDEx Leave Management Standard.