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LIMRA is dedicated to helping the industry achieve simplification of the exchange of information between stakeholders. The LIMRA Data Exchange (LDEx) Standards® are free standards that were developed in collaboration with a committee of carriers and technology companies, by the industry, for the industry.

To access the LDEx Standards and corresponding files, you will need to register and create a LIMRA.com account. Users do not need to work for a member company in order to create an account to access the standards. If you already have an account, simply log in with the credentials provided to you to access any of the documents related to the LDEx Standards. 

Benefits Enrollment Management 1.1 – Download Standards Technical Specifications:

The LDEx Standards are available in a downloadable package that contains the following main components:

  • Standard model and terminology — Common language and business relationships amongst data
  • Key business transactions and activities — Sample business transactions geared towards the workplace benefits industry (i.e., user stories, test plans, and file samples)
  • Implementation models — XML and JSON supported file types
  • Delivery methods — Payload delivery via structured file and REST API

Note: Create an account or log in to download the standards. Users do not need to work for a member company in order to create an account to access the standards.

Benefits Enrollment Management

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This LDEx Standard allows for employee benefit enrollment, eligibility management, coverage changes, terminations, beneficiary management, as well as non-coverage demographic changes to be exchanged between benefit administrators and insurance carriers.

By downloading and implementing any LDEx Standard you are agreeing to the conditions set forth in the Grant of License for said standard. Please refer to the information in the LDEx Standards download package for details.

Please note this release is backward compatible with all of the previously published Benefits Enrollment Management Standards. Refer to the Industry Glossary's “What’s New” page for enhancement details.

Related Resources

Thought Leadership and News

Partnerships Through Standards: Building EDI Solutions That Meet the Challenge
Developing EDI Standards for Success
LIMRA Establishes Data Exchange Standards for Non-Medical Workplace Benefits
LIMRA Announces Efforts to Standardize Employee Benefit Administration Data Feeds
2019 Enrollment Technology Strategy Seminar to Debut LIMRA Workplace Benefits Electronic Data Exchange Standards Prototype

Importance of Standards

The value of Standards Over Standardization by Satty Bhens, Partner at Digital McKinsey and Leader of Digital Labs and Jake McGuire, Consultant, McKinsey, February 2018

Using Standards to Govern Data by Richard King, January 2018

The Financial Data Exchange (FDX) Can Lead With Industry Unification and Standardization, PwC, June 2018

LDEx Standards Resources

LIMRA Data Exchange (LDEx) Standards
LDEx Overview
Standards Documentation
Industry Glossary