Cloud, data, and AI combined for streamlined performance

Employee Benefits Management Software Engineering

Built from the ground up. Scaled to handle millions of accounts and claims

Intellias works with TPAs, brokers, retirement and workplace benefits providers, and benefits platforms to modernize the systems that matter most — enrolment, eligibility, claims, contributions, reimbursements, and the overall member experience through advanced employee benefits management solutions and platforms powered by AI-driven innovation.

We combine cloud, data, AI, and platform engineering to simplify complex processes and improve performance. Everything is designed to meet the demands of regulated environments, so you can move faster without compromising compliance or reliability.

Up to 70%

claims auto-processed in 5–10 seconds

80–90%

valid enrollment records processed with no manual touch

End to end

platform modernization for a U.S. TPA across onboarding, enrollment, and payments

Challenges we solve

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Manual-heavy processes and fragmented workflows

When enrollment, eligibility checks, and claims rely fully on human intervention, they process slow and errors occure. We route humans to exceptions only. Operations should flow without manual touch unless necessary — a key principle in modern HR benefits management software supporting scalable benefits administration processes.

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Difficult to change hard-coded functionalities

When plan rules and eligibility logic are embedded in code, even small updates may disrupt it and require complex development cycles. This results in slowed down launches and increased compliance risk. We rely on configurable layers, making it possible to manage rules without rewriting code.

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Lack of transparency in automated decisions

Black-box systems make it difficult to understand why a claim was denied or an employee deemed ineligible, creating compliance risks and poor user trust. We build explainability into every decision, with clear reason codes and plain-language outputs to prevent avoidable user complaints and build constant credibility.

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Unreliable systems under scale and retries

In distributed systems, duplicate requests, retries, and traffic spikes can lead to data inconsistencies and failures if not properly handled. To ensure it’s not stopping operations, we design for idempotency and durability, using patterns like deduplication keys, safe retries, and resilient orchestration.

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Compliance adaptability issues

Adding compliance late in the process leads to rework, delays, and increased risk of non-compliance with standards like SOC2, HIPAA, or PCI/DSS. We embed compliance directly into the architecture from day one. We know what IRS pre-tax account rules demand within enterprise-grade employee benefit administration software.

Our capabilities 

Over years of hands-on platform engineering, we have developed deep expertise in the most critical and complex domains of the benefits stack, delivering end-to-end employee benefits management software engineering with strong focus on core benefits administration functions:

AI-powered claims adjudication

  • Intelligent receipt data extraction via OCR and machine learning
  • Confidence scoring and rules-based auto-approval engine
  • Automated 70%+ of HSA/FSA/HRA claims — up from ~20% manual baseline
  • 3.5x growth in auto-processed claims; manual workload reduced 60%+
  • Near real-time decisioning: 5–10 seconds per claim
  • Scalable to 10M+ claims annually with microservices architecture
  • Duplicate and fraud detection baked into the pipeline

Automated enrollment workflows

  • End-to-end enrollment lifecycle: from HR CSV upload to active accounts in under a minute
  • AWS SQS (FIFO) + Temporal orchestration for durable, retryable batch processing
  • Layered validation: structural checks → business rules → IRS compliance
  • Human-readable error feedback: HR sees exactly what to fix, without support escalation
  • Handles new enrollments, mid-year changes, and cancellations with full audit history
  • 80–90% of valid records processed with zero manual touch
  • Sharp reduction in enrollment-related support tickets and data issues

Real-time eligibility engine

  • Centralized eligibility logic as a shared microservice across all benefit channels
  • Real-time checks for card authorizations, reimbursement claims, contributions, rollovers
  • Configurable per plan, employer, and IRS rule set — no code changes required for new plans
  • Explainable decisions: every result includes a reason code and plain-language message
  • Eliminates contradictory outcomes between card swipes and reimbursement claims
  • Supports HSA, FSA, HRA, commuter, lifestyle, and health plan eligibility
  • Idempotent APIs, FIFO queue ordering, and full observability

Money movement engineering

  • Ledger design: compliant, flexible sub-ledgering and account tree architecture
  • ACH, card rails, push-to-debit reimbursements, and real-time payment flows within a secure payments system architecture
  • Reconciliation and settlement reporting at scale
  • Core banking and payments integrations: Galileo, Fiserv, Modern Treasury, Mercury, Key Bank
  • Non-bank custodial support and compliance (SOC2, HIPAA, PCI/DSS)
  • Claims flows, repayment flows, and pre-tax benefits disbursements out of the box

Platform integrations and data engineering

  • HRIS and payroll integrations: ADP, Rippling, and others
  • Insurance carrier connectivity and renewal automation
  • Data model harmonization across complex, multi-source benefit plan configurations
  • Cloud-first architecture (AWS EKS, RDS, Redis, SQS) with full observability
  • Applied Epic integration expertise
  • HIPAA-compliant data handling; PII masking; KMS encryption at rest and in transit, bridging IT and benefits administration seamlessly

Clear outcomes: Our clients’ stories

AI-powered claims adjudication for a US-based benefits platform

Challenge: manual-heavy claims workflow, poor receipt data quality, high operational cost, slow reimbursements

  • Built an AI claims adjudication engine combining OCR, ML confidence scoring, and a rules-based approval engine
  • Automation rate increased from ~20% to up to 70% of claims
  • Processing time reduced from hours/days to 5–10 seconds per claim
  • Scalable to 10M+ claims annually

 

Key results: 3.5x growth in auto-processed claims · Manual workload reduced 60%+

Automated enrollment workflow for a mid-to-large benefits administrator

Challenge: weeks-long open enrollment cycles driven by CSV files, manual uploads, and back-and-forth error correction

  • Built an end-to-end automated enrollment workflow on AWS SQS + Temporal (Java SDK)
  • Layered validation with plain-language HR feedback; bad lines never block good lines
  • Handles new enrollments, changes, and cancellations across HSA, FSA, HRA, commuter, and lifestyle accounts

 

Key results: 80–90% of records processed with no manual touch · File-to-active-account in under 1 minute

Case Study · Eligibility · Microservices / Temporal

Centralized real-time eligibility engine

Challenge: eligibility logic fragmented across services — different decisions at card swipe vs. claims reimbursement

  • Built a centralized eligibility engine (Java 21, Spring Boot, AWS EKS, PostgreSQL, Redis) serving card auth, claims, contributions, and rollovers
  • Configurable per plan type, IRS rules, and employer settings — new plans via config, not code
  • Every decision returns a structured reason code with a plain-language message

 

Key results: Consistent eligibility across all channels · Faster plan launches · Fewer support escalations

Planstin — full TPA platform engineering

  • Ongoing engineering partnership with Planstin, a growing Third-Party Administrator
  • Platform covers employer onboarding, eligibility management, plan configuration, and member portal
  • Focus on workflow automation, data quality, and scalable architecture as the client’s member base grows

Key results: Full-stack TPA platform built and maintained by Intellias engineering team

Technology we work with

1.

Backend and cloud

  • Java 21, Spring Boot microservices
  • AWS EKS, SQS (FIFO), RDS (PostgreSQL), Redis
  • Temporal workflow orchestration
  • OpenAPI 3.0 / RESTful API design
  • Cognito / JWT authentication
2.

Payments and FinTech

  • Galileo, Fiserv, Modern Treasury, Mercury integrations
  • ACH rails, push-to-debit, card issuing
  • Compliant ledger and sub-ledger design
  • Reconciliation and settlement reporting
3.

AI and automation

  • OCR pipelines (Veryfi-enhanced)
  • ML confidence scoring for claims
  • Agentic AI for enrollment and eligibility
  • Parallel processing and real-time decisioning
4.

Compliance and security

  • SOC2, HIPAA, PCI/DSS compliant engineering
  • KMS encryption at rest and in transit
  • PII masking and audit logging
  • FIFO queue ordering and deduplication

Trusted by leading companies worldwide

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FAQ

In many cases, up to 70% of claims and 80–90% of enrollment records can be processed without manual intervention, using advanced employee benefits management software solutions and intelligent features.

Most decisions can be handled in near real time—typically within 5–10 seconds.

Yes. The platforms are built API-first and integrate with HRIS, payroll, payment providers, and core banking systems, sometimes supported with infrastructure modernization for smoother processes.

Compliance is built into the architecture from day one, covering SOC2, HIPAA, PCI/DSS, and IRS-related requirements.

We support TPAs, benefits platforms, brokers, and fintech/payment providers operating in the benefits ecosystem, delivering solutions as a flexible technology provider.

Yes. The systems are designed to handle millions of accounts, claims, and transactions without compromising performance, supported by continuous development and scalable architecture.

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