Pre-Funded Benefits Program
Zannova Pre-Funded Benefits Program for Employers & HR Leaders
A pre-funded benefits and reimbursement framework designed to help employers plan for workforce-related expenses. All funds remain employer-owned and are administered according to employer-defined rules and eligibility criteria.
What This Program Is (and Is Not)
What this is:
- ✓An employer-funded benefits wallet
- ✓A financial planning and reimbursement mechanism
- ✓A claims administration and eligibility verification system
- ✓A compliance-aware workflow for workforce events
What this is not:
- ×Not an insurance policy
- ×Not a promise of guaranteed benefits
- ×Not risk pooling across unrelated employers
- ×Not a public financial product or currency
Built for Employers & HR Leaders
Zannova's Pre-Funded Benefits Program helps employers prepare for onboarding, benefit activation, and workforce transitions without financial disruption. By allocating funds in advance, HR teams gain predictable budgeting, faster execution, and improved coordination with finance and compliance.
Why HR Teams Use Pre-Funded Benefits
Predictable monthly workforce cost allocation
Reduced financial exposure during layoffs or restructuring
Faster reimbursements with automated eligibility checks
Fewer manual handoffs between HR, finance, and providers
No brokers, no fragmented systems
How It Works for Employers
Employers enroll eligible employees through Zannova
Employers allocate funds into a Pre-Funded Wallet
A workforce event occurs (layoff, benefit activation, transition)
AI verifies eligibility based on employer-defined rules
Funds are reimbursed to the employer or paid to approved providers
Funding & Wallet Structure
All funds are allocated in advance by the employer and remain employer-owned. Wallet balances are used solely for approved workforce-related expenses. Zannova administers the wallet and enforces rules but does not assume financial risk.
Claims & Reimbursement Process
HR or employee submits a reimbursement request
AI performs eligibility and rule verification
Human compliance review confirms alignment with employer policy
Funds are disbursed according to employer instructions
Wallet balances and credits are automatically updated
Eligibility Guidelines
Employees must be 18–65 years old
Must earn income through employment
Must be included in employer allocation rules
Enrollment must occur during Open Enrollment or a Qualifying Life Event
Standard Processing
48–72 hours
Diamond Tier
Same-day processing when available