The no-nonsense
guide to AI in benefits

A practical guide for Reward and Benefits leaders. Cut through the hype, understand real use cases, and implement AI with measurable impact and minimal risk.
Summarise

01

Executive Summary

AI is changing benefits. Here’s what that means for global Reward leaders.

If you run Rewards and Benefits in a large, distributed organisation, AI is already on your radar. Maybe you’ve trialled a chatbot or used it to speed up translations. But turning isolated experiments into everyday impact is a different story.

You want to reduce admin, improve employee experience, stay compliant, control costs, and prove results. But you’re managing complexity across countries, payroll systems, brokers, and platforms that don’t always speak to each other.

That’s where AI can help. This guide cuts through the noise and shows how to fold AI into your benefits strategy in ways that are:

Secure — governance, human oversight, and privacy baked in

Measurable — metrics your CFO, CISO, and CHRO care about

Scalable & cost‑efficient — across regions, languages, and workforce types

We’ve built this for teams like yours: Global, fast-moving, resource-stretched, and ready to get started. No fluff. No jargon. Just the tools to make AI real in your rewards strategy.

02

What’s changed: How AI is reshaping HR and benefits?

AI is changing how companies handle everything from enrolments and communications to budget and plan design. Some teams are charging ahead. Others are cautious. Most are somewhere in the middle: interested, but unsure where to start.

Until recently, AI in benefits meant chatbots and static FAQs. Now AI can take action: it updates records, flags issues, reconciles data, and routes tasks, based on what the employee or team is trying to do. It’s not just answering questions; it’s helping you execute.

For global Reward leaders, that unlocks faster policy changes, cleaner payroll reconciliations, and fewer admin errors, at scale across countries and systems.

38%

of HR leaders have already explored or implemented AI to boost efficiency according to Gartner (2024), 38% of HR leaders ↗. Rewards and Benefits teams are no exception.

Next up? Intelligent agents (Agentic AI) that manage entire workflows end‑to‑end, improving over time with minimal human oversight, but with governance and guardrails built in.

Engagement Orchestrator

Takes an engagement goal and drafts targeted campaigns—email, push, in-app, blogs—for you to review and launch

Invoice Reconciler

Spots invoice mismatches by cross-checking payroll data, saving hours of manual reconciliation.

Claims/Reimbursement Processor

Auto-approves eligible claims using policy logic—reduces wait times and manual work.

Form Prefiller

Fills in expense forms by pulling data from receipts—no typing, fewer errors.

Renewal Negotiator

Uses claims and market data to negotiate better benefit deals without lifting a finger.

Compliance Advisor

Keeps you compliant by tracking regulation changes and updating policies automatically.

“We can now make much better predictions based on someone’s role, age, or benefit engagement history, about what might be most relevant to them. And use that to remove manual admin, reduce errors and improve outcomes. You stay in control, but the system runs itself.”

— Sebastian Fallert, CEO & Co-founder at Ben

03

What’s agentic AI and why does it matter in benefits?

Agentic AI refers to artificial intelligence that can take action on your behalf, not just answer questions.

Unlike traditional chatbots, agentic AI understands your goal, plans the steps, and carries them out autonomously. You set the intent. It handles the execution.

In benefits, this has huge potential. Managing benefits programmes is fiddly, manual, and prone to errors. And as every Rewards and Benefits leader knows, there’s no such thing as a small mistake. One payroll slip or reporting error can trigger costly problems fast.

Too often your team ends up bogged down in admin instead of focusing on the strategic work that really makes a difference. These tasks might seem simple, but they’re repetitive, time-consuming, and demand expertise, making them surprisingly easy to get wrong.

This is where agentic AI can help. It’s ideal for high-effort, low-strategic-value tasks:

Prepping enrolments

Flagging claim issues

Summarising policy updates

Or even drafting communications

Most tools keep you in control with a human-in-the-loop (HITL) model, so nothing goes out without your sign-off. That means fewer errors, faster cycles, and more time for your team to focus on strategy, not admin.

Types of AI: What’s the difference?

Type

Chatbot / Co-pilot

Simple AI agents

Autonomous AI agents
(also known as agentic AI)

What is does

Gives answers, follows scripts

Takes actions based on goals or user intent

Makes decisions, improves itself, runs full workflows

How it works

Reactive, based on
workflows or pre-set rules

Can interpret intent and collaborate to get things done

Works independently - can learn, adapt, and act without needing human intervention

Examples
of prompts

What’s the deadline?

Choise plan

Need help picking a plan?

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04

How successful teams are using AI today

We spoke to industry experts and reward leaders at enterprise companies, and found that there are

Three key use cases when it comes to bringing AI into benefits:

Benefits administration

Automating repetitive tasks, surfacing errors, and syncing data.

Enhanced employee experience

Increasing visibility and understanding of benefits.

Strategic benefits analytics and design

Understanding benefits program performance, benchmarking, forecasting, and optimising benefits design and benefit program spend.

But nearly every one of them stressed that only thoughtful, secure rollouts, which prioritise data privacy, win trust. Getting this right will be critical to building and maintaining employee trust with AI.

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