AI Supplemental Life Enrollment Agent

How Cassidy automates this using AI

Step 1: Trigger on enrollment event

The Workflow activates when an employee submits supplemental life elections during open enrollment, new hire onboarding, or a qualifying life event capturing coverage amounts for self, spouse, and dependents along with beneficiary designations.

Step 2: Evaluate GI thresholds and route EOI

Cassidy compares elected amounts against the Guaranteed Issue matrix for the employee's class and event type, automatically flagging coverage that requires Evidence of Insurability and routing employees to the carrier's EOI intake via SSO or embedded questionnaire.

Step 3: Monitor EOI decisions and update coverage

The Workflow watches for carrier decision backfeeds via API or file, then automatically updates coverage amounts upon approval or caps to GI and notifies the employee if declined while applying the correct effective date rules.

Step 4: Calculate and sync payroll deductions

Cassidy's Workflow calculates per-pay premiums using age-banded rate tables and tobacco status, creates or updates payroll deductions with the correct post-tax treatment, and handles retroactive adjustments or arrears when approvals arrive after payroll cutoff.

Step 5: Manage imputed income and compliance

For employer-provided group-term life exceeding $50,000, the Workflow calculates monthly taxable fringe using IRS Pub 15-B tables and posts imputed income to payroll ensuring accurate Social Security/Medicare withholding and W-2 reporting.

Step 6: Surface exceptions and trigger offboarding

Cassidy monitors for pending EOI beyond SLA, deduction mismatches, and upcoming age-band rate changes, alerting HR to take action. Upon termination, the Workflow automatically generates portability and conversion notices within required windows.