Termination-Triggered Benefits Offboarding

The Problem

When an employee leaves, HR manually notifies COBRA admins, FSA/HSA custodians, payroll vendors, and insurance carriers. Each vendor processes termination separately, creating delays, coverage gaps, and duplicate deductions. COBRA admins miss qualifying events. FSA/HSA admins don't know when to close accounts. Payroll continues deducting terminated employees for 2-3 pay cycles. Each termination becomes a multi-day coordination problem across dozens of ben admin systems.

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How It Works

1. Termination recorded in payroll system - HR marks employee status as terminated with an effective date in the ben admin or payroll system.
2. Webhook fires immediately - Bindbee detects the employee_data_changed event with termination_date and employment_status=INACTIVE.
3. All ben admin platforms receive termination signal in real time - COBRA admins, FSA/HSA providers, voluntary carriers, and payroll systems get clean employee and benefits data with termination date.
4. Offboarding automation triggers - Coverage ends on the right date, final deductions process, and COBRA notices generate automatically without manual handoffs.