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Frequently Asked Questions

FAQs

  • What is a data feed?

    A data feed is used for transferring data from one system to another in a predetermined form. CLIEDIS data standards are all considered data feeds for the purposes of transferring information between systems.

  • What is CITS?

    CITS (Canadian Insurance Transaction Standards) are a subset of the ACORD standard defined for a specific business function.  It establishes an unambiguous set of requirements and data elements that must be followed.

    CLIEDIS Standards are published as CITS Implementation Guides.

  • What CITS feeds is CLIEDIS focused on?

    At this time, CLIEDIS’s top concern is supporting distributors by getting them the information needed to manage their book of business. To do this efficiently, CLIEDIS has defined three feeds that correlate with one another to ensure that a complete snapshot of the distributors’ business is available to them. These include:

    Application Notification

    The Application Notification feed provides a distributor with a timely notification of an application submission so they are in a position to manage the case properly through the new business process.  It can support both paper and electronic applications.

    This is defined as part of the CITS Base Policy Feed Implementation Guide.

    Pending

    The Pending feed is used after the application is received in order to update case status and update information regarding outstanding requirements.

    This is defined in the CITS Pending Feed Implementation Guide.

    Book of Business

    The Book of Business feed defines the data needed to set up and track a policy throughout its life and takes into account the tracking of critical events including the status of the policy, changes in servicing agents, and notifications of business transferring in or out of a distributor’s office so that the record is maintained correctly. It includes both in-force and out of force policies so that records of what is active remain correct.

    This is defined as part of the CITS Base Policy Feed Implementation Guide.

  • What is the CITS Application Notification feed?

    The Application Notification feed provides a distributor with a timely notification of an application submission so they are in a position to manage the case properly through the new business process.  It supports both paper and electronic applications. It includes basic policy&client information and PDF images of the application where available. It is typically used to initially set up the policy in the system.

    This is defined as part of the CITS Base Policy Feed Implementation Guide.

  • What is the CITS Pending feed?

    The CITS Pending Feed is used after the application is received in order to update status & information regarding outstanding requirements. The feed is only sent when requirements on a policy have changed, both for managing existing and identifying new requirements. Most systems will use this feed to update the requirements in the system.

    This is defined in the CITS Pending Feed Implementation Guide.

  • What is the CITS Book of Business feed?

    The Book of Business feed defines the data needed to set up and track a policy throughout its life and takes into account the tracking of critical events including the status of the policy, changes in servicing agents, orphaned business, and notifications of business transferring in or out of a distributor’s office so that the record is maintained correctly.  It includes both in-force and out of force policies so that records of what is active remain correct.

    This is defined as part of the CITS Base Policy Feed Implementation Guide.

  • What is the CLIEDIS Approval process?

    CLIEDIS Approval ensures that the requirements defined in the CITS implementation guides are stringently followed.  CLIEDIS reviews the data files to ensure that the format and data being sent meet the requirements and that the data is usable and reliable from an end user perspective.

    CLIEDIS verifies:

    • File validates against the ACORD schema
    • Minimum level of data identified in the CITS guide is provided
    • Code value mappings between the internal system list and ACORD
    • Specific use case scenarios required for the feed
    • Company specific use cases
    • Company product represented
    • File naming conventions are followed
    • Data above minimum meets ACORD and CITS rules as applicable
    • Exceptions are identified and documented

    CLIEDIS Approval should take place before user acceptance testing. It allows us to find the problems before your end users do.

    CLIEDIS Approval is part of quality assurance but is not a replacement for it.  The approval process reviews the data provided to validate scenarios, but CLIEDIS will not have knowledge of the source system to validate that the information is reflected correctly.  While checks are made to determine if information is valid and appropriate from a business perspective, CLIEDIS can only validate that which is provided for approval.

    For more information on approval, see the Technical Resources / CITS folders in the Resource Center.

  • What is 'FAWG'?

    FAWG, the Feed Adoption Working Group, is a group comprised of CLIEDIS member distributors and their trading partners to support adoption of the CITS data feeds available today.  Their focus is to maximize usage and impact of the CITS feeds available in their offices as well as identify what additional data, support will help them improve their business processes.

  • What is an API?

    API stands for Application Programming Interface. But that’s not important. What matters is APIs provide behind the scenes, real-time connectivity between systems. Information is not sent to you on regular intervals nor is it necessary to be stored locally. Instead, your system makes requests from the source as needed. For more information on APIs check out our flyer. Additional information is available in the Resource Center In the Technical Resources folder.

  • How is CLIEDIS's work funded?

    CLIEDIS is funded through membership fees. Membership funds the work necessary to ensure data exchange standards work for you and also meets the needs of the industry. This funding ensures resources are available to help you in your implementations at the time when you need it. The implementation guides, supporting documentation, approvals, implementation support; none would be available if it were not for the companies that fund the organization through membership.

  • What role does CLIEDIS play in regards to Data Security?

    CLIEDIS has developed a standard set of data protection requirements that can be applied to all confidential data received by trading partners across the industry.  The data security schedule provides:

    • carriers with an industry validated set of terms based on today’s technologies to use with their trading partners
    • data receivers with a single set of requirements that they must comply to that is common for all trading partners.

    The schedule is not considered a legal contract nor is CLIEDIS is not providing legal advice. The security schedule can be used as part of a separate legal agreement that is in place between trading partners. It is up to the trading partners to conduct their own legal review of the schedule in accordance with their own requirements.

    CLIEDIS will not doing any security assessments. It is up to the trading partners to ensure that the requirements are adhered to. For more information, see our Overview. Additional information is available in the Resource Center In the Technical Resources folder.

  • What are the benefits of membership?

    CLIEDIS is funded through membership fees.  Members have access to resources that support their implementation efforts. These resources include the library of materials developed to support past, current and future implementations.

    Support structures are in place to ensure success when implementing.  CLIEDIS works with its member companies one-on-one from project inception through post- implementation. For information specific to your membership category:

    Member support available for Carriers

    Member support available for Distributors

    Member support available for Vendors

  • Do I need to be a member to use the CITS standards?

    Technically, you do not need to be a CLIEDIS member to use the CITS standards. However, the documentation necessary for building or understanding a feed is not available unless you are member.

    Without the material and support available to CLIEDIS members, attempting to understand or develop a CITS data feed will be difficult, if not impossible.

  • What tools do members have access to for implementing CITS feeds?

    You can see what is available in the Resource Center, even if you can’t access it.

    A sampling of technical materials available exclusively to members include:

    • Implementation Guides
    • An online facility (CAIR) for navigating and providing details for the ACORD standard and specific CITS feeds
    • CLIEDIS Resource Centre, giving members a centrally located, easy to navigate document library
    • CITS Implementation Rules
    • Sample XML
    • XML sub-schemas
    • Industry Wide Code mappings
    • Comparison documents between feeds
    • Online video training modules
  • What kind of technical support does CLIEDIS provide its members?

    As companies move forward with their implementation plans, our members are encouraged to utilize CLIEDIS technical resources throughout their implementation projects.

    With our support, implementers can have confidence that a feed has maximum usability. Feeds can be consumed by a receiver system without customization. Even more importantly, the data can be interpreted consistently, and users can rely on it.

    CLIEDIS will:

    • Work one-on-one with companies to provide guidance, education and answer questions relating to a specific implementation
    • Evaluate requirements, aid in mapping, and verify files meet the specification requirements
    • Learn your products to ensure the data represented accurately reflects what is intended
    • Mediate issues between trading partners to determine the best possible resolution
    • Ensure your feeds meet the standards
  • I am a distributor, my vendor is already a member. Doesn't that cover my needs already?

    The key to the success of data exchange is that the business needs of the user are addressed. In this case, the distributor is the user.

    You, as distributor, are encouraged to be actively involved in every initiative to ensure your needs and  priorities are addressed as part of the solution.

    We help you assess and mitigate issues in the information you are (or not) receiving, which may be the carrier’s issue or may be how your vendor’s system interprets it. Only CLIEDIS has the knowledge and neutrality to expose the underlying problem.

    Your Membership dues fund the work necessary to ensure data exchange standards work for you and also meet the needs of the industry. This funding ensures resources are available to help you and your trading partners in your implementations.

  • Why do we need Standards?

    CLIEDIS data standards provide a consistent way to capture and exchange information electronically.  It allows all companies receiving information from multiple sources to receive the information the same way.  It reduces time and costs to update systems sending and receiving the data. It allows companies creating the data to send the information in one way, in a predefined format with a single set of requirements, removing the need to figure out what should be sent.

    The use of CLIEDIS data standards supports greater automation in the life and health insurance industry and significantly expands the amount of information available in computer systems that receive the information. The ability to easily retrieve and utilize such information supports compliance, simplifies the management process and makes it easier to identify new sales opportunities.

  • How does CLIEDIS decide what projects to work on?

    The CLIEDIS Executive Committee reviews ongoing work and potential projects on an ongoing basis.   Decisions are made based on industry priorities and the availability of CLIEDIS and member resources.

    All projects are based on the following guiding principles:

    • Focus on what is common to the industry without impacting companies’ abilities to build and maintain their competitive advantages
    • Improve cycle time
    • Provide easier access to information
    • Ensure consistent view of data
    • Reduce manual intervention processes and reducing expenses
    • Facilitate compliance
    • Utilize industry standards when possible
    • Keep it simple
    • Stay on the outside of the black box
  • What is the connection between CLIEDIS and ACORD standards?

    CLIEDIS data standards are based on the internationally recognized ACORD standards for the global life and health insurance industry. Since 2000, the ACORD standards have used XML (eXtensible Markup Language), a language that has stood the test of time. CLIEDIS, in consultation with Canadian health and life insurance industry stakeholders, ensures the ACORD standards fit the context of the Canadian industry. It means they are more specific and relevant to your day-to-day work.