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Revolutionary, Impactful, Substantial

The LIMRA Data Exchange (LDEx) Standards are free standards developed in a collaborative environment by an independent member committee made up of organizations with a vested interest in establishing industry-based data exchange standards.

Data Exchange Standards facilitate the sharing of structured data across diverse information systems and represent the requirements for the format and content of the data being transferred among those systems.

The intent of the LDEx Standards Program is to define those format and content requirements along with the mechanisms by which data is exchanged. It is not to manage the source of the data, the data transfer or determine what happens to the data once it is transmitted.

Plan Overview

Recently Implemented

LDEx Evidence of Insurability Status & Decision (EOIS) Standard

This new LDEx EOIS 1.1 Standard allows carriers to pass an employee's application status and the final underwriting decision of an individual's eligibility to their benefits administrator. 

LDEx Benefits Enrollment Management (BEM) Standard Version 1.3

This LDEx BEM 1.3 enhancement allows enrollment in group Medical products, Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA) within the LDEx BEM Standard. 

The Delivery API implementation solution is available in conjunction with this release. The payload may be in either a .xml or .json format which are available in the standards package download.

This backward-compatible release continues to enable the two-way exchange of coverage elections, changes, terminations, non-coverage demographic changes, as well as eligibility management between technology companies and insurance carriers.

Supported Products:
  • Medical
  • Dental
  • Vision
  • Accident
  • AD&D
  • Cancer
  • Critical Illness
  • Disability (STD, LTD, State, VB)
  • Employee Assistance Programs (EAP)
  • Healthcare Reimbursement (FSA, HSA, HRA)
  • Hospital Indemnity
  • Leave Management (FML, PFL)
  • Life
  • Lifestyle Benefits

Implementation Solutions:

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Coming Soon

LDEx Benefits Configuration Management Standard

  • New LDEx Benefits Configuration Management Standard allowing for the exchange of an insurance carrier's benefit plan design with a technology provider (e.g. products, benefits, rates) leading to case configuration simplification and acceleration.

LDEx Benefits Enrollment Management Standard Version 2.0

  • This enhancement of the current BEM Standard will allow for transactional real-time/near real-time enrollment and change management utilizing a RESTful API strategy.

LDEx Quote Standard

  • New LDEx Quote Standard to manage pre-sale and renewal request for proposal requirements with consideration for a standardized demographic census structure.

LIMRA Data Exchange (LDEx) Standards Adoption

The following companies have adopted and are currently utilizing the LDEx Standards:

American Fidelity
Anthem (Elevance Health)
Cigna Healthcare
eBenefits Network
EIS Group
Ernst & Young LLP
FINEOS Corporation
Guardian Life Insurance
Lincoln Financial Group

Manhattan Life
Noyo Technologies
Pac Life

Reliance Matrix
Selerix Systems
Shore Alliance Group
SS&C Technologies
Sun Life and Health
Symetra Financial
The Hartford
The Standard

USAble Life Insurance

Voya Financial

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