VA EA 4.2
 
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Products...As-Is...Business Line...Insurance

Insurance

The major functions within this business line are the seven items denoted surrounding "VBA" (the administration responsible for carrying out these actions): Eligibility Determination, Appeals, Customer Service, Program Management, Program Integrity, Outreach, and Account Maintenance. This diagram shows the major stakeholders and some of the relationships between those stakeholders, the agency, and its denoted functions.

Scroll down for descriptions of objects shown in this diagram. Clicking over a function name can directly bring up related process diagrams and activity descriptions.

Insurance Goto Program Integrity Goto Program Evaluation Goto Program Management Goto Customer Service Goto Appeals Goto Eligibility Determination Goto Account Maintenance Goto Outreach

 

Links to Z11 (listed alphabetically)
NameDescription
Account Information

Vocational Rehabilitation and Employment Services (Master Record)

 

Specific information related to a veteran’s account with a VA program, which is used to support the delivery of services to the veteran and management of the overall program. Information will include: name (identity) of the veteran (to link to personal data); contact address (for the purpose of contacting the veteran for Chapter 31 related benefits); case/account number; name (identity) of beneficiary; veteran contact history; eligibility determination information; and benefit information.

Agency Funding Requests

Budget proposals and other forms of requests for funding that VA sends to Congress and other funding approval bodies.

Agency Reports

Standard and ad-hoc reports about VA operations that are prepared and submitted to external organizations and oversight groups.

Agreements and Contracts

Formal agreements and contracts with parties outside VA .

Appeals

Formal requests for reconsideration of eligibility for benefits and services administered by the Department of Veterans Affairs.

Entitlement Information

Information relating to the applicant’s entitlement. This information includes the number of months of original entitlement and the number of months of remaining entitlement.

Industry Regulations

 Official resource guidelines developed by outside industry regulatory groups.

Information on Veterans and Beneficiaries

 Demographic and personal information provided by veterans and other program beneficiaries that are part of VA’s information resource.

Insurance Information

Record of insurability, provider, and scope of medical insurance.

Insurance Information

Specific information related to a veteran’s account with the VA life insurance program, which is used to support the delivery of services to the veteran and management of the overall program. Information will include (where appropriate): name (identity) of the veteran or beneficiary (to link to personal data), case/account number, name (identity) of beneficiary, veteran contact history, eligibility determination information, benefit entitlement information, payment information and history, information about loans, dividends, and paid-up additional insurance.

Insurance Policies

Insurance products sent out or made available to individuals, groups, and organizations outside the VA .

Legislation and Executive Orders

Laws and Executive Orders that either define or limit the scope of VA activities, products and services.

 

Military Service Information

 Information about a military person provided by the Department of Defense that are part of VA’s information resource.

Official Government Guidance

Government circulars and other official guidance from external organizations that affect VA’s operations.

Program Information

Information about programs administered or implemented by VA .

Public Opinion

Feedback from the general public regarding the operations of the VA or ideas about any of the products and services that VA provides.

Reimbursements

Reimbursement amounts given to program beneficiaries, service partners, and other entities outside the VA organization.

Requests for VA Actions

 Information contained in requests for VA action coming from sources external to VA .

Subsidies

Financial subsidies given by VA to State governments and other program partners.

Third Party Insurance Policies

Funds VA may receive from customer receivables if a third party insurance policy is used. Used in Receivables Processing.

VA Program Funds

 Monetary resource products from external sources for use in funding VA programs.


Links to Z12 (listed alphabetically)
NameDescription
Account Maintenance

This function includes activities associated with account maintenance and payment of insurance claims and awards:

Appeals

This sub-function includes activities associated with claimant appeals.  Claimants have the right to appeal VA's decisions.

Customer Service

Customer service activities answer written and phone inquires about insurance benefits and policy account information from veterans, beneficiaries and their representatives

Eligibility Determination

This function focuses on the receipt, evaluation, and issuance of insurance policies for the RH (S-DVI) and Veterans’ Mortgage Life Insurance (VMLI) programs.

Outreach

Outreach activities targets veterans, beneficiaries, separating service member about insurance benefits.

Program Evaluation

The selection and used of performance evaluation criteria in assessing the effectiveness of insurance programs.

Program Integrity

The Program Integrity sub-function implements security, procedures, and internal controls to insure the integrity of insurance processes and payments.

Program Management

Planning, leading, organizing, and monitoring various insurance programs.


Links to Z14 (listed alphabetically)
NameDescription
Department of Defense

An executive department of the U.S. Government consisting of the Secretary of Defense and his office, the War Council, the Joint Chiefs of Staff, Joint Staff and joint agencies, as well as the Departments of the Army, the Navy, and the Air Force.  It is headed by the Secretary of Defense.

 

Dependents

Qualifying dependents for VA benefit purposes who may be a veteran’s spouse or child (natural child, adopted child, or stepchild).  A veteran’s mother or father may also be considered a dependent generally if there is financial need and he or she is otherwise entitled.

 

DoD TRICARE

TRICARE provides medical benefits for active military and their families.  It also provides transition benefits for separated personnel.

See the external reference to the internet TRICARE home page.

Government Policy Makers (Owners)

A category of VA stakeholders. Stakeholders falling under this category possess the authority to create and enforce major government policies and regulations that affect the Department of Veterans Affairs.

 

Health Maintenance Organizations (HMOs)

Private health insurance service providers that operate under networks of defined facilities and participating healthcare providers.

 

Ineligible Beneficiaries

Discharged military persons and members of their families who, for various reasons, are not entitled to certain VA benefits and services at a particular point in time.

Private Insurance Companies

Private organizations that take on the cost of individual health risk based on various levels of insurance premiums or fees.

 

Program Beneficiaries (Customers)

A category of VA stakeholders. This group of stakeholders is composed of people who are directly served by the VA.

 

Public

A category of V A stakeholders. Stakeholders falling under this category possess the power to elect people who hold public offices, the ability to pay government taxes, and assist government in other ways.

 

Regulators

A category of VA stakeholders. Stakeholders that belong to this group possess the authority to develop quality and performance standards that VA needs to uphold.

 

Social Security Administration (SSA)

The agency of the government that manages Social Security accounts.

 

Survivors

Surviving spouse and children of a deceased veteran.

 

Veterans

A person who served in the active military, naval, or air service, and who was discharged or released under conditions other than dishonorable.

Veterans Benefits Administration (VBA)

The VBA is one of the three Administrations under the VA. VBA provides benefits and services to the veteran population through 58 VA regional offices.  Some of the benefits and services provided by VBA to veterans and their dependents include compensation and pension, education, loan guaranty, and insurance.


Links to Z22 (listed alphabetically)
NameDescription
Account Maintenance

This function includes activities associated with account maintenance and payment of insurance claims and awards:

Appeals

This sub-function includes activities associated with claimant appeals.  Claimants have the right to appeal VA's decisions.

Customer Service

Customer service activities answer written and phone inquires about insurance benefits and policy account information from veterans, beneficiaries and their representatives

Eligibility Determination

This function focuses on the receipt, evaluation, and issuance of insurance policies for the RH (S-DVI) and Veterans’ Mortgage Life Insurance (VMLI) programs.

Outreach

Outreach activities targets veterans, beneficiaries, separating service member about insurance benefits.

Program Evaluation

The selection and used of performance evaluation criteria in assessing the effectiveness of insurance programs.

Program Integrity

The Program Integrity sub-function implements security, procedures, and internal controls to insure the integrity of insurance processes and payments.

Program Management

Planning, leading, organizing, and monitoring various insurance programs.


Eligibility Determination

Insurance Eligibility - Link to HTML Table Below

 

Reference(s):

Links to Z22 (listed alphabetically)
NameDescription
Control and Develop Applications

Place applications under control and acquire additional information required to make insurance benefit eligibility analyses.

Determine Insurability

Review eligibility criteria.  Match application data with program eligibility criteria and determine the applicant meets the necessary criteria for insurance coverage.

Receive Insurance Applications

Receive and record applications for insurance coverage.

Send Notifications of VA Decisions on Insurance Applications

Formally inform veterans of VA approval or disapproval of insurance application.  Notices of favorable action will include the original copy of the Insurance Policy.

 


Appeals

Insurance Appeals - Link to HTML Table Below

 

Reference(s):

Links to Z22 (listed alphabetically)
NameDescription
Certify Insurance Appeals

Identify and certify insurance appeal cases.  Forward Form vaf-9 and certify to board.

Clarify Insurance Appeal Issues

Develop a definitive statement of the appeal case and specific issues involved.

Receive Notices of Disagreement

Receive and record information contained in insurance Notices of Disagreements received from veterans.

Resolve Insurance Appeal Issues

Decide the appeal case and formally notify the claimant about the results.


Customer Service

Insurance Customer Service - Link to HTML Table Below

 

Reference(s):

Links to Z22 (listed alphabetically)
NameDescription
Provide for Veterans Communication

Open up a variety of venues by which the public can send requests, complaints, and inquiries related to VA insurance programs.

Provide Requested Information

Research and provide feedback on eligibility inquiries, as well as status information on payments, claims, requests, and appeals.  Answer written or phoned-in inquiries.


Program Management

Insurance Program Management - Link to HTML Table Below

 

Reference(s):

Links to Z22 (listed alphabetically)
NameDescription
Evaluate Education Program Performance

Establish performance standards and evaluate program operations with the use of these standards.  Perform quality checks via insurance account reviews.

Improve Business Processes

Find ways to improve the efficiency and economy of veteran insurance services.  Implement improved insurance procedures.

Prepare Projections and Workload Analyses

Analyze trends in demand for insurance coverage.

Recommend Legislative Changes

Lead efforts to institute legislative changes that will tend to improve the affectivity of VA insurance programs.  Recommend new legislation, or amendments to existing ones.

Train and Motivate Program Personnel

Implement employee training and development programs, and institute motivational incentives.

 

Update Insurance Program Plans & Budgets

Develop plans and budgets based on projected growth in insurance accounts and other program support requirements.


Program Evaluation

Insurance Program Evaluation - Link to HTML Table Below

 

Reference(s):

Links to Z22 (listed alphabetically)
NameDescription
Conduct Benchmarking Studies

The Insurance Center reviews its performance in comparison to private insurance companies through the Life Office of Management Association (LOMA).

Evaluate Insurance Program Performance

Establish performance standards and evaluate program operations with the use of these standards.  Review management and balanced scorecard data to determine if VA is meeting its targets.

Monitor Insurance Software Performance and Data Quality

Implement a Software Quality Control (SQC) program to review and assess timeliness and accuracy of insurance program data.

Monitor the Health of the Trust Portfolio

Conduct evaluations to ensure the strength and growth of the VA Insurance Trust funds and the integrity of the supporting systems and data.


Program Integrity

Insurance Program Integrity - Link to HTML Table Below

 

Reference(s):

Links to Z22 (listed alphabetically)
NameDescription
Check Authenticity of Veteran's Data

VA conducts a crosscheck with other programs and agencies (i.e. SSA, Treasury) to verify and validate insurance applications data submitted by applicants.

Investigate and Prosecute Cases of Fraud

VA must institute safeguards to minimize the opportunity for fraud.  Detect and investigate fraudulent insurance cases.

Monitor Operational Compliance with VA Insurance Policies

Oversee and review insurance operations to determine if all transactions are executed according to set policies and procedures.

 


Outreach

Insurance Outreach - Link to HTML Table Below

 

Reference(s):

Links to Z22 (listed alphabetically)
NameDescription
Control Quality of Data in Promotional Materials

Update promotional information as changes occur.  Verify accuracy of contents of all insurance promotional materials.

Identify and Pursue Outreach Opportunities

Contact veterans groups and send the latest information on insurance programs. Arrange for veterans briefings at various military discharge points, and big gatherings of veterans.

Maintain an Interactive Voice Response (IVR) System

Maintain a telephone-based facility for information dissemination.

Prepare Promotional Materials in Different Media

Develop promotional materials and reproduce them for distribution during outreach events.  Produce pamphlets, letters, briefing materials, as well as content materials for VA websites.


Account Maintenance

Insurance Account Maintenance - Link to HTML Table Below

 

Reference(s):

Links to Z22 (listed alphabetically)
NameDescription
Collect Insurance Premiums

Send payment notices.  Receive premium payment and issue receipts.

Pay Annual Dividends

Determine the overall performance of the investment portfolio.  Process policy dividends for individual policyholders as needed.

Prepare and Distribute Annual Policy Statements

Prepare annual summaries of individual policies and mail them out to policyholders.

Process and Award Insurance Claims

Pay insurance death awards and maintain monthly insurance awards.

Process Policy Adjustments and Changes

Update account records based on approved changes and modifications.  Process waiver of premium disability claims.