Alight and VB Scout Partner to Close the Voluntary Benefits Claims Gap Through Intelligent Integration
A new collaboration brings proactive, data-driven claims monitoring to over 30 million employees — ensuring the voluntary benefits coverage workers pay for actually delivers its full value when it matters most.
5 min read
Alight, Inc. (NYSE: ALIT), a leading benefits administration provider of health, wealth, leave, and point solutions, has announced a strategic collaboration with VB Scout, a technology company pioneering voluntary benefits claims integration. The partnership integrates VB Scout's proprietary medical claims integration technology into Alight's benefits administration offering — enabling proactive, personalised outreach to employees who may be eligible to file voluntary benefits claims they would otherwise miss entirely.
The Problem: A Persistent Gap Between Enrolment and Utilisation
Voluntary benefits — covering accident, critical illness, hospital indemnity, and wellness — represent a significant component of many employees' total benefits package. But a structural problem has long undermined their real-world value: employees consistently fail to file claims they are entitled to, either because they are unaware that a qualifying event has occurred, they do not know they have relevant coverage, or they simply forget the benefit exists by the time they need it. The result is that employers invest in voluntary benefits programmes that deliver far less actual value to their workforces than the coverage on paper would suggest — while employees absorb out-of-pocket costs they were already insured against.
How the Claims Integration Engine Works
At the centre of the collaboration is VB Scout's claims integration engine, which synthesises three critical data sources simultaneously: medical claims data, voluntary benefits plan documents, and employee eligibility files. By analysing these data sets in combination, the technology identifies claims that may qualify for reimbursement under an employee's voluntary benefit policies — a level of cross-referencing that no individual employee can reasonably be expected to perform on their own.
When a qualified claim is detected, employees receive timely, personalised notifications prompting them to file — closing the gap between coverage entitlement and actual utilisation at the moment it is most actionable. The solution will be delivered through the Alight Worklife® platform, extending its reach to Alight's base of more than 30 million people served.
"Voluntary benefits are only as valuable as the claims employees actually file — and far too often, those claims go unfiled because employees don't know they qualify or simply forget they have coverage. By bringing VB Scout's claims integration capabilities into the Alight Worklife® platform, we're putting powerful, data-driven support behind every employee's benefits so that the coverage they've enrolled in truly works for them when it matters most."
— Karen Frost, Senior Vice President, Health and Navigation Solution Leader, Alight
Measurable Results: Claims Paid Up 30–45%, Loss Ratios Improving
VB Scout's technology has already demonstrated concrete, measurable outcomes for existing clients. Notification-based outreach has driven a 30–45% increase in claims paid and up to a 10% lift in loss ratios — with an additional 10% improvement when auto-adjudication is enabled. These figures represent a meaningful shift in the economic reality of voluntary benefits programmes: more claims filed means more value delivered to employees, and better loss ratios provide carriers and employers with clearer evidence of plan effectiveness.
"Claims integration is the next evolution in voluntary benefits and Alight is the ideal organization to help bring it to scale. Our technology is designed to ensure that when an employee pays for a benefit, they receive the full value of that coverage. Together with Alight, we can deliver that promise to millions more employees across the country."
— Bill Kampine, Co-Founder, VB Scout
Beyond Individual Claims: Analytics for Employers, Brokers, and Carriers
The collaboration delivers value beyond the individual employee level. VB Scout's Identified Claims Value℠ (ICV) reporting provides employers, brokers, and carriers with powerful analytics for benchmarking plan value, tracking loss ratios, and identifying remediation opportunities. Critically, ICV reporting can also flag employees who are not yet enrolled in voluntary benefit programmes but whose medical claims data suggests they would meaningfully benefit from coverage — turning utilisation data into a proactive enrolment intelligence tool.
Benefits Administration Extended Beyond Open Enrolment
For Alight, the integration reflects a broader strategic direction: using data and technology to extend benefits administration from an annual enrolment event into a year-round, personalised benefits experience. Through the Alight Worklife® platform, the company delivers timely, relevant benefits insights to employers and employees at key points across the entire benefits lifecycle — from open enrolment through ongoing utilisation. Claims integration is the next logical layer in that vision: ensuring that the coverage employees selected at enrolment continues to actively work for them throughout the year, not just in the weeks when benefits decisions are made. More information is available at alight.com.
Key Takeaways
- Alight (NYSE: ALIT) has partnered with VB Scout to integrate intelligent claims monitoring into the Alight Worklife® platform — proactively notifying employees when they may be eligible to file voluntary benefits claims they would otherwise miss
- VB Scout's engine cross-references three data sources simultaneously — medical claims data, voluntary benefits plan documents, and employee eligibility files — to detect qualifying claims for accident, critical illness, hospital indemnity, and wellness coverage
- Proven outcomes from existing VB Scout clients include a 30–45% increase in claims paid and up to a 10% lift in loss ratios through notification-based outreach, with an additional 10% improvement when auto-adjudication is enabled
- VB Scout's Identified Claims Value℠ (ICV) reporting gives employers, brokers, and carriers analytics to benchmark plan value, track loss ratios, and identify employees who are unenrolled but would benefit from voluntary coverage
- The integration extends Alight's benefits administration from a once-a-year enrolment event into a continuous, year-round personalised experience — reaching Alight's existing base of more than 30 million people served