The invention is directed to systems and methods for managing insurance claim data among an insured party, a primary insurer, and a plurality of secondary insurers. Exemplary methods include providing a claim processing module. The claim processing module receives a claim for benefits for the insured party and parses the received claim for services performed and a total obligation. The claim processing module retrieves primary insurance coverage rules, first secondary insurance coverage rules, and second secondary insurance coverage rules. The claim processing module applies the retrieved insurance coverage rules to the services performed and determines various combinations of coverage. The claim processing module determines an optimum net balance to the insured party by comparison of the total obligation minus the primary insurer obligation minus the first secondary insurer obligation with the total obligation minus the primary insurer obligation minus the second secondary insurer obligation.

Providing an in advance workforce instant wage payment to an employee is provided. A proportional wage payment amount for the employee is determined in accordance with a specified wage payment type for a current wage pay period based on collected work agreement information. A total wage compensation balance of the employee for the current wage pay period is adjusted by deducting the proportional wage payment amount in accordance with the specified wage payment type. An order for the proportional wage payment amount corresponding to the employee is transmitted to a specified wage payment proxy server via a network using a specified communication channel to pay the employee.

The present invention concerns a system for optimizing employee retirement contributions comprising an optimization computer having one or more processors configured by code executing therein to access data from one or more retirement plan participants and derive, based on the accessed data, a hierarchy of proposals to maximize one or more features of the retirement account and to transmit such a derived hierarchy, and using a remote device configured to receive the hierarchy of retirement proposals and to generate in response to the transmission, a plurality of graphical elements, each graphical element corresponding to a particular strategy.

The present invention concerns a system for optimizing employee retirement contributions comprising an optimization computer having one or more processors configured by code executing therein to access data from one or more retirement plan participants and derive, based on the accessed data, a hierarchy of proposals to maximize one or more features of the retirement account and to transmit such a derived hierarchy, and using a remote device configured to receive the hierarchy of retirement proposals and to generate in response to the transmission, a plurality of graphical elements, each graphical element corresponding to a particular strategy.

A process and system where such process implements a definite predetermined formula to allocate a value of a life insurance contract owned by one or more parties to support a payment mechanism owned by each party where such definite predetermined formula calculates an amount to allocate to the profit-sharing account of a plan participant and an amount to allocate to another party to support a workers' compensation purpose.

A computer implemented system for automatically aggregating, analyzing, and identifying retirement plans for a plurality of users has been disclosed. The system includes a database adapted to store at least authentication credentials and payroll information corresponding to users. The system includes a configuration sub-system adapted to configure the retirement plans based on pre-defined rules. The retirement plans are offered to users subsequent to determining, based on the payroll information corresponding to users, whether the users are eligible for a retirement plan. The users who have been identified as eligible are automatically enrolled onto the retirement plan via an enrollment module. The system also enables the users to initiate investment transfers between various plans, reallocation of investments within the same plan and rebalancing of investments within the same plan. The system also allows the plan sponsor/administrator to timely rectify exceptions if any using a user interface.

A method includes determining that a benefit payment is due to be made to a recipient. A data store is accessed, where the data store contains records of payment transactions made by the recipient. An indication is received from the data store that the recipient had successfully performed a biometric user authentication with respect to at least one of the payment transactions. The indication received from the data store is accepted as proof-of-life with respect to the recipient. The benefit payment is made to the recipient in response to the proof-of-life.

In embodiments of the present invention improved capabilities are described for a human resource management platform that includes applications targeted to solve a variety of human resource and benefits administration management problems. Applications of the human resource management platform include business applications such as benefits administration that may provide a single solution for facilitating employee benefits management and organizational efficiencies through automation of benefit management functions, measurement of benefit provider effectiveness, and the like.

The present disclosure relates generally to utilizing paid time off. In one example, the systems and methods described herein may provide an infrastructure to repurpose paid time off into other uses, such as cash, travel, bill payments, and the like.

According to some embodiments, workers' compensation claims are received at a payor processing system from a plurality of remote bill input devices. The workers' compensation claims may be transformed in accordance with a jurisdiction-based claims processing rule. The transformed workers' compensation claims may then be transmitted to a workers' compensation adjudication engine.