BRM: Features

			Legal \| Privacy \| Site Map \| Search

			Intelligent System Solutions for Group and Individual Insurance

Feature Comparison

Printer Friendly

Standard Features

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Policy Plan Design Module	x	x	Imp
Coverage Audit Trails			New
• Eligibility Detail	x	x	x
Claimant Identity Protection (SSN/SIN optional)			New
Historical Eligibility Retention			New
• Claim Processing
Description of Loss	x	x	x
Historical Summary Retention	x	x	x
Alerts, Coverage Edits, and Warnings	x	x	Imp
On-line History	x	x	x
Chronological Summary		x	Imp
Payment Diary		x	Imp
Payment Diary by User Group			New
• Automatic Calculations
Payment Amounts	x	x	x
Max Duration	x	x	x
FICA and other Tax Controls	x	x	Imp
• Payments
Multiple Output Formats	x	x	Imp
PATRIOT Act Tools			New
Multiple Payees	x	x	x
Adjustments	x	x	Imp
Adjustment Wizard			New
Direct Deposit	x	x	x
Unattended Processing			New
• Communications
Explanation of Benefits	x	x	x
Letter and Forms Module		x	x
Zip+4 Address Validation			New
International Correspondence (Eng., Fr. and Sp.)		x	x
Standard and Custom Reports	x	x	Imp
Output Scheduler	x	x	Imp
• Document Imaging			New
• Case Management
Investigations	x	x	x
Medical	x	x	x
Liens	x	x	x
Mail Documents	x	x	x
Appeals		x	x
Telephone Notes		x	x
Immediate Referral Notification			New
Time Tracking			New
Activity Diary		x	Imp
Activity Diary by User Group			New
• User Customizable Features
Alerts			New
Lookup Tables	x	x	x
Benefit Transaction Rules			New
Claim Process Checklist			New
Policy Reference Fields			New
Coverage Reference Fields		x	Imp
Certificate Reference Fields		x	Imp
Claim Reference Fields			New
Desktop Application Links			New
Online Training Guide			New
• System Features
View multiple Screens (Claim, Policy, Activity etc)			New
Online Help Guide		x	x
Multi-Level Security	x	x	Imp
Integrated Database Auditing			New
• Data Transfer Tools
Import / Export via Flat File	x	x	x
Interface via Data-Link			New
Electronic Vendor Interchange		x	x
• Internet Capabilities
Claim Intake			New
Policy Inquiry			New
Eligibility Uploads			New
• Vendor Payments Module	x	x	x

Disability Features (LTD, STD, DI, LTC*)

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Offsets Manager for Other Sources of Income	x	x	x
Offsets Defined by % (of salary)			New
• Variable Payment Mode (Weekly, Bi-Weekly, Monthly)			New
• Automatic Calculations:
Minimum Benefit	x	x	x
Support for Flex Benefit Plans	x	x	x
Reinsurance Calculation and Billing Modules		x	x
ASO Calculation and Billing Modules		x	x
• Case Management:
Social Security	x	x	x

*LTC available in DOCSNET only.

LTD

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Automatic Calculations
Tiered and Aggregated Benefits	x	x	Imp
All Source Integration	x	x	x
COLA Benefits		x	x
Partial Disability	x	x	x
Reserves Module	x	x	x
• Remote Claim Entry	x	x	x
• Automatic Adjudication of Claims		x	x
• Case Management
Other Income	x	x	x
Rehabilitation	x	x	x

STD

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Automatic Calculations
Tiered Benefits	x	x	Imp
Optional Weekly Payment Modes		x	x
Sick, Accident or Hospital Elimination	x	x	x
• Remote Claim Entry	x	x	x

IDI

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Automatic Calculations
All Source Integration		x	x
COLA Benefits		x	x
Partial Disability		x	x
Reserves Module		x	x
• Automatic Adjudication of Claims		x	x
• Case Management
Other Income		x	x
Rehabilitation		x	x
• Eligibility Features
Eligibility History			New

LTC (DOCSNET Only)

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Automatic Calculations
COLA Benefit			New
• Reserves Module			New
• Remote Claim Entry			New
• ADL Adjudication			New

Critical Illness Features (DOCSNET ONLY)

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Offsets Manager for Other Sources of Income			New
Offsets Defined by % (of salary)			New
• Variable Payment Mode (Weekly, Bi-Weekly, Monthly)			New
• Automatic Calculations:
Minimum Benefit			New
Support for Flex Benefit Plans			New
Reinsurance Calculation and Billing Modules			New
ASO Calculation and Billing Modules			New
COLA Benefit			New
Reserves Module			New
Remote Claim Entry			New
• Automatic Adjudication of Claims			New
• Case Management:
Social Security			New

LIFE Features (Group, Individual)

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Policy Series Design Module		x	x
• Dependent and Beneficiary Modules		x	x
• Payment Features
Accelerated Death Benefits
Accidental Death and Dismemberment Benefits	x	x	x
Statutory Interest Calculations	x	x	x
Spousal and Dependent Benefits	x	x	x
Travel Accident	x	x	x
Repatriation	x	x	x
Age Reduction Calculation	x	x	x
• User Updateable Ancillary Life Coverages		x	x
User Defined Conditions and Benefit Calculations			New
• Case Management
Other Income	x	x	x
Rehabilitation	x	x	x
Social Security		x	x

Group

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Division and Class Distribution		x	x
• Payment Features
Basic, Supplemental and Voluntary Benefits	x	x	x
Lump Sum and Monthly Payments	x	x	x
• Reinsurance by Benefit Code		x	x
• Auto Issue Form 712	x	x	x
• Waiver of Premium Claims	x	x	x

Individual (DOCSNET ONLY)

Feature	DOCS	DOCSQL	DOCSNET
	DOS	C/S	N-Tier
• Payment Features
Whole Life			New
Term Life			New
Universal Life			New
Annuity Payments			New
Lump Sump Rider			New
Ancillary Life Coverages			New
• Life Waiver			New
• Eligibility Features
Eligibility History			New

DOCSNET

DOCSNET is designed to process high claim volumes and meet the needs of the largest insurers

Resources

BRM provides links to disablility information, tax rates, and other insurance related materials

Contact Us

To receive additional information about our products and services, please send an email or call