Processing Your Claims Quickly and Accurately​

With claims processing, SPA is your operational engine for managing claims from first notice of loss through payment and reporting. While the workflow specifics differ for each product, our core processes always remain in place.​

Automation through EDI​

EDI (Electronic Data Interchange) serves as SPA’s digital backbone connecting insurance carriers, agents, banks, providers, and other partners. It allows us to minimize manual data entry and enables rapid, high-volume transaction processing. This keeps the data in our systems synchronized with your records.​

Eligibility Determination​

Confirming eligibility involves making sure the policy is active and that the claim falls on an active date. Premium payment is checked to make sure it is current, and the coverage amount is also confirmed.

Endorsements and any riders in place are also examined to ensure that the proper beneficiary is identified.​

Adjudication​

SPA provides full claim adjudication with claims reviews, coverage validation, application of policy rules, determination of any benefits payable. ​

Disbursement​

Following adjudication, SPA begins the disbursement process whether it is to beneficiaries, service providers, or care providers. Payment of funds is handled either electronically or by paper check, with full reporting and reconciliation to you. ​