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Revolutionary, Impactful, Substantial

The LIMRA Data Exchange (LDEx) Standards are free standards developed in a collaborative environment by an independent member committee made up of organizations with a vested interest in establishing industry-based data exchange standards.

Data Exchange Standards facilitate the sharing of structured data across diverse information systems and represent the requirements for the format and content of the data being transferred among those systems.

The intent of the LDEx Standards Program is to define those format and content requirements along with the mechanisms by which data is exchanged. It is not to manage the source of the data, the data transfer or determine what happens to the data once it is transmitted.

Plan Overview

Recently Released

LDEx Evidence of Insurability Status & Decision (EOIS) Standard

The LDEx EOIS 1.1 Standard allows carriers to pass an employee's application status and the final underwriting decision of an individual's eligibility to their benefits administrator. 

LDEx Benefits Enrollment Management (BEM) Standard - Version 2.0

This new major release of the LDEx BEM 2.0 Standard enhances current functionality allowing for transactional payload delivery via REST complaint API transmissions. Enabling the industry to move towards real-time/near real-time enrollment and change management processing.

New REST API endpoints, available in OpenAPI 3.1, have been included in conjunction with this release. The LDEx BEM payload may be delivered via EDI or API in .xml, .json, or .yaml formats. All schemas and endpoints can be found in the standards package download.

This LDEx BEM 2.0 release continues to enable the two-way exchange of coverage elections, changes, terminations, non-coverage demographic changes, as well as eligibility management between technology companies and insurance carriers.

Supported Products:

  • Medical
  • Dental
  • Vision
  • Pharmacy
  • Accident
  • AD&D
  • Cancer
  • Critical Illness
  • Disability (STD, LTD, State, VB)
  • Employee Assistance Programs (EAP)
  • Healthcare Reimbursement (FSA, HSA, HRA)
  • Hospital Indemnity
  • Leave Management (FML, PFL)
  • Life
  • Lifestyle Benefits
  • Wellness

Implementation Solutions:

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Coming Soon

LDEx Benefits Configuration Management Standard

  • New LDEx Benefits Configuration Management Standard allowing for the exchange of an insurance carrier's benefit plan design with a technology provider (e.g. products, benefits, rates) leading to case configuration simplification and acceleration.

LDEx Benefits Quote Management Standard

  • New LDEx Benefits Quote Management Standard to manage pre-sale and renewal request for proposal requirements including a standardized demographic census structure.

LDEx Event Management Enhancement

  • This LDEx BEM enhancement will establish new functionality to manage employee event changes supporting leave absence administration based on current industry eligibility management processes.

LDEx Communication Preferences Enhancement Module

  • This enhancement will standardize the communication of data required to capture employer and employee communication preferences, including such items as contact consent, preferred delivery method, and requested language of communication at the time of enrollment or life event.

LIMRA Data Exchange (LDEx) Standards Adoption

The following companies have adopted and are currently utilizing the LDEx Standards:

ADP
Aflac
American Fidelity
Anthem (Elevance Health)
Benefitfirst
Benefitfocus
Bswift
Businessolver
Cigna Healthcare
ClickEnroll
eBenefits Network
EIS Group
Ernst & Young LLP
FINEOS Corporation
Guardian Life Insurance
Ideon
Lincoln Financial Group
Majesco

Manhattan Life
MetLife
Noyo Technologies
Pac Life

Paycom
PlanSource
Prudential
Reliance Matrix
Selerix Systems
Shore Alliance Group
Soluta
SS&C Technologies
Sun Life and Health
Symetra Financial
The Hartford
The Standard
Trustmark
UNUM
UnitedHealthcare

USAble Life Insurance
Vitech

Voya Financial
Wellfleet
Workday
zizzl

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