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 BeneDirect Services

Direct Bill (CASPRO)

I. Client's Responsibilities

You are the plan administrator and fiduciary as described under ERISA and the Internal Revenue Code. As such, only you have the power to waive, alter, breach or modify any of the terms and conditions of your Plan(s), and you exercise all discretion, control or authority with respect to the disposition of the available benefits. As such, you shall:

  1. Provide WageWorks with a complete copy of all carrier and rate information, for our reference in connection with the provision of services.
  2. Determine which individuals are eligible to participate in your Plan and provide us with accurate and complete initial enrollment and eligibility data in the electronic data file format prescribed by WageWorks.
  3. Notify WageWorks of the annual Open Enrollment Period.
  4. Provide accurate and timely changes to Participant enrollment and eligibility data, including, but not limited to, information that modifies a Participant’s eligibility, status or election under a Plan, in the electronic data file format prescribed by WageWorks.
  5. Notify WageWorks in writing of any changes in carriers and/or Plan(s) at least sixty (60) days prior to the effective date of the change.
  6. Notify WageWorks in writing of any changes in premiums that shall apply at least sixty (60) days prior to the effective billing date of the new premium.
  7. Reconcile all carrier invoices and Participant reports, and notify both WageWorks and the carrier of any discrepancies.
  8. Ensure that your Plan carriers and payroll/pension data processors provide timely, accurate and complete data files in the electronic data file format and method prescribed by WageWorks.
  9. Obtain all required Participant consents necessary to disclose Participant PHI to WageWorks for the provision of services.
  10. Correct all errors in any data, files or other materials provided to WageWorks by you or on your behalf by your third party service providers (e.g., carriers, payroll/pension data providers).  WageWorks does not audit data, files or other information provided by you or your third party service providers.
  11. Timely pay all fees.
  12. Timely pay all costs, including postage (billed at then-current USPS First Class Mail rates), print, copying and travel charges.
  13. Manage access to the employer portal of our website by your personnel based upon your internal confidentiality and HIPAA privacy policies and procedures.
  14. Comply with all applicable laws (e.g., HIPAA and ERISA) with respect to your Plan(s) and make any required filings with the appropriate governmental agencies, including the DOL and the IRS.


II. Wageworks' Responsibilities

WageWorks has been engaged by you to provide certain administration services in connection with your Plan(s).  Accordingly, you have authorized us to use our standard procedures for the provision of services that have been designed to ensure that the administration of your Plan(s) are in compliance with ERISA and all other applicable regulations.  We shall provide our services in accordance with the framework of policies, interpretations, rules, practices and procedures as set forth in the Plan documents, and as otherwise mutually agreed upon or as directed by you.  We shall provide the following standard services:

a. Provide you with a set of electronic file specifications for the delivery of data to WageWorks.

b. Process data files submitted by you in the electronic data file format prescribed by WageWorks.

c. Provide the following standard communications to Participants:

  • welcome letter
  • termination letter
  • late payment notice
  • premium shortfall notice

d. Based on your election of full or partial open enrollment services, WageWorks will: 


Full Service

Partial Service

  • Send WageWorks’ standard Open Enrollment Letter to all Participants.
  • Send WageWorks’ standard Rate Change Notification to all Participants.
  • Send WageWorks’ standard Open Enrollment Change Form to all Participants.
  • Include client-provided inserts in standard mailings (subject to size limitation)
  • Provide you with WageWorks’ standard Open Enrollment Change Form to provide to Participants.


e. Process Open Enrollment Change Forms submitted directly by Participants through proper methods (e.g., WageWorks’ website).  Enrollment and elections will be considered timely made if the form is postmarked by the U.S. Postal Service or express delivery service no later than last day of the Open Enrollment Period (as defined by you).

f. Provide monthly premium payment coupons to Participants.

g. Collect premium payments (and administrative surcharges) via a WageWorks-owned lockbox and deposit those funds in a WageWorks-owned bank account.  Premiums shall be considered timely paid if postmarked by the U.S. Postal Service or express delivery service within the period specified by you.

h. Remit premium payments received, less administrative surcharges retained by WageWorks, to you by the 20th business day of each month.

i. Process data files received from and/or prepare data files for submission to your medical plan carriers and/or payroll data processor in the format and method prescribed by WageWorks.

j. Provide a notice of termination of coverage to Participants upon termination of coverage.

k. Provide you with access to our website where you may:

  • View and download standard reports
  • View individual Participant information
  • Access to our online communications gateway and download standard electronic communication material at no additional charge.  Customized items may be provided for an additional fee, plus charges for applicable bulk sales, taxes, shipping and handling.

l. Provide customer service representatives who are available to answer Participant phone calls during the period of 8:00 AM ET to 8:00 PM ET, Monday through Friday, excluding holidays and other non-business days.

m. Provide Participants with 24/7 access (excluding scheduled maintenance) to our website where Participants can access information regarding their direct billing arrangement.


III. Additional Services

In addition to the services set forth above, WageWorks may also provide you with the following optional services, as elected and subject to the payment of additional fees.  Optional services may include the following:

  1. On-site Meetings.  Participate in enrollment meetings and benefits fairs.
  2. Eligibility Reporting to Carriers.  Provide eligibility reporting to carriers.
  3. Annual Open Enrollment Eligibility Reporting to Carriers.  Provide annual open enrollment eligibility reporting to carriers in the electronic data file format prescribed by WageWorks.
  4. Customization Services. Provide customization services for non-standard files and/or communications.
  5. Carrier Reconciliation and Remittance Services. Reconcile carrier files against eligibility and enrollment information provided by you or as maintained by WageWorks and remit premiums directly to carrier.
  6. Post-termination Transition Services.  Provide mutually agreed upon post-termination transition services.  WageWorks shall not be obligated to provide post-termination transition services if services are terminated due to your failure to pay amounts due.


IV. Disclaimer

Notwithstanding anything to the contrary, WageWorks shall not be responsible to receive or review claims for benefits under any Plan(s), or be liable for the payment of any claims for benefits under, or in connection with, any Plan(s).


V. Definitions

  • “Open Enrollment Period” means the period during which a Participant may enroll in or change coverage under a Plan.
  • “Participant” means any individual who is subject to a direct billing arrangement for applicable coverage, as designated by you.
  • “PPPM” means per Participant, per month.
  • “Plan” means any benefit plan established by you.


(V 06/14/17)