If your employees pay for eligible expenses out-of-pocket, they can submit a manual claim for reimbursement directly through the Lively dashboard or mobile app.
Lively utilizes Smart Claim Submission, a feature that uses AI technology to streamline this process by automatically scanning receipts and populating the claim details, reducing manual entry errors and speeding up approval times.
The Employee Submission Workflow
You can explain the process to your employees in four simple steps:
Upload: The employee uploads a photo or PDF of their receipt/documentation.
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Scan: Our Smart Claim AI analyzes the document to extract key details (Date, Amount, Provider, Service).
Note: If an employee prefers not to use the AI scanning feature, they always have the option to bypass this step and manually enter the expense information themselves.
Review: The employee reviews the populated data for accuracy and confirms the submission.
Adjudication: The claim will either auto-approve or be routed to our team for review.
Documentation Requirements: The "Rule of 5"
To ensure your employees' claims are approved without delay, they must provide proper substantiation. The documentation (typically an Itemized Receipt or Explanation of Benefits) must clearly show these five elements:
Patient Name: Who received the service?
Provider Name: Who provided the service?
Date of Service: When did it happen? (Not just the payment date).
Description of Service: What was purchased?
Cost: The final amount the employee is responsible for.
Timelines & Expectations
Claims are typically reviewed within 5 business days.
Once approved, funds are transferred to the employee's linked bank account within 1-2 business days.
If a claim is rejected (usually due to missing info from the "Rule of 5"), the employee is notified immediately. They do not need to repay anything; they simply need to upload the correct documentation to resolve the issue.
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