Introducing AI-Powered Benefits Administration in Rippling

Benefits administration is one of the most time-consuming parts of running HR. Every time an employee adds a family member, someone has to confirm they qualify. Every time an insurance company sends back coverage decisions, someone has to go through that file and update every record. And when employees have questions about their plans or make a mistake on a spending account claim, they go to HR and wait.

Today we are introducing AI-powered Benefits Administration, built directly into Rippling to handle benefits work using the employee, plan, and dependent data already in the system.

Verify dependents before coverage takes effect

When an employee gets married, has a child, or enters a domestic partnership, they can add that family member to their health plan. But not every dependent automatically qualifies. Companies have policies that determine who is eligible for coverage, and verifying that someone meets those requirements is how companies make sure they are not paying for coverage they should not be.

For most companies, that verification falls entirely on the admin. Every document, every request, reviewed by hand.

With Rippling AI, that review happens automatically. Rippling AI reads the documents the employee uploads, confirms the relationship, and approves coverage if the relationship is confirmed. If it cannot confirm the relationship, the benefits administrator gets a notification to review the request before coverage is approved. Coverage goes to the people who actually qualify, and the company stops paying for the ones who do not.

Apply carrier coverage decisions in bulk

When an employee enrolls in voluntary coverage like life or disability insurance, the carrier needs to approve their coverage before the policy takes effect. Once the carrier sends back its decisions, someone has to go through that file and update every record in Rippling.

During open enrollment, that file can have hundreds of rows. Each one has to be matched to the right employee, their coverage updated, their paycheck adjusted, and a notification sent. It is repetitive work, and it has to happen quickly before the new plan year begins.

Now, with Rippling AI, the admin uploads the file and Rippling AI does the rest. It matches each decision to the right employee, updates their coverage, adjusts their deductions, and notifies them of the outcome - automatically. What used to take hours of manual reconciliation now takes minutes.

Submit Flex claims correctly, every time

When an employee submits a Flex spending account claim with missing or incorrect information, they find out days later when it comes back rejected. By then they have to start over, and HR often gets pulled in to help sort it out.

Now when an employee has a Flex spending account expense, they upload a receipt to Rippling. Rippling AI reads the receipt, fills in the claim form, and checks for common issues, like a service date outside the coverage window, before the employee hits submit.

Employees stop finding out about claim errors days after they submitted. HR stops fielding the questions and follow-ups that come after a denial.

Help employees pick a plan with confidence

Choosing a health plan is one of the most consequential financial decisions an employee makes, but employees rarely have enough information to make it well. Premiums, deductibles, and out-of-pocket maximums form a confusing maze, and the result is a flood of questions to HR.

Now employees can pull up their plan options side by side in Rippling AI and see what each plan would actually cost them for things like a doctor visit, urgent care, or a prescription. If they want to understand how their costs might change with a life event like getting married or having a child, they can ask Rippling AI directly and get an accurate answer the moment they need it, without HR having to step in.

Built on the data that benefits administration already runs on

Most benefits tools only manage benefits. Rippling is a single system for an employee's HR, payroll, and benefits data, so their dependents, their paycheck, and their plan elections all live in the same place. Because that data is already connected, Rippling AI can act on it accurately without anyone having to move data between systems or do the work by hand.