Eligibility intelligence from a unified API
COBRA Integration for Benefits and TPA Platforms
Bindbee turns HRIS and payroll data into real-time COBRA qualifying events. Ship one integration and cover 60+ systems your employer customers use.
- Terminations and hour cuts surfaced as structured events
- One API connection to 60+ HRIS, payroll and benefits systems
- SOC 2 Type II, ISO 27001 and HIPAA compliant
Trusted by 50+ benefits platforms and HR Tech companies, including Newfront and Alma
Book your COBRA integration demo
Tell us about your platform. We'll show how qualifying events flow from your customers' HRIS into your product.
Why platforms use Bindbee for COBRA data
Qualifying events in real time
Terminations, hour reductions and dependent loss of coverage arrive as structured events from the HRIS data stream, not a monthly census reconciliation.
One integration, 60+ systems
Connect once and support Workday, the full ADP family, BambooHR, Gusto, Rippling, Paychex, UKG, SAP SuccessFactors and the long tail of regional systems.
Benefits-first data models
Employee, employer and dependent benefits are separate models. Dependents and beneficiaries keep relationship type, age and coverage detail most APIs flatten.
Eligibility logic you don't have to build
ACA hours validation, waiting period calculation, benefit class assignment and state-specific rules come with the platform.
Enterprise security posture
SOC 2 Type II, ISO 27001, HIPAA compliant and GDPR-ready, with US, EU and APAC data residency and private cloud on AWS, Azure or GCP.
24/7 dedicated support
Engineering-aware support through web chat, a shared Slack channel and on-call help when a sync issue needs tracing fast.
What the COBRA integration covers
COBRA workflows break when a termination reaches your platform weeks late. Bindbee reads the employer's HRIS and payroll system through one normalized API, watches for the events that trigger continuation coverage, and pushes them to you the moment they happen.
The same connection carries census, dependent and payroll data, so your team stops chasing CSV files and can focus on the product instead of the plumbing.
- COBRA qualifying event detection: terminations, hour reductions and dependent loss of coverage
- Life event webhooks for new hires, marriage, birth, death and dependent age-out
- ACA hours validation across full-time, part-time and variable-hour classifications
- Waiting period calculation across plan configurations
- Benefit class assignment by employment status, location, salary tier and tenure
- State-specific benefits rules, including state continuation laws
- Dependent and beneficiary sync with relationship type and dependent status
- Real-time census reconciliation for new hires, terminations and demographic changes
- EDI 834 file generation and carrier API connections with member ID sync (BETA)
- Payroll write-back for pre-tax and post-tax deductions and contributions
Benefits platforms already run on Bindbee
“Customer support is fast and solution-oriented. They were able to assist us on high-urgency items. Bindbee is solving manual census loads to our system. We get up-to-date client data imported everyday to our system which enables us to better serve our clients and perform data analysis as well.”
“Bindbee helps us aggregate and normalize HRIS data from multiple sources, streamlining our data integration process and saving us significant time and effort. The APIs are well-designed and reliable, and the team's responsiveness is incredible. They're true partners in solving complex integration challenges.”
“Before Bindbee, every new employer meant weeks of back-and-forth getting census data. Custom integrations were taking 2+ months each. Now employers connect their HRIS in minutes, and we're live the same day.”
What happens after you book
Share your COBRA workflow
Tell us which events you act on, which HRIS systems your employers use, and where your data gaps are today.
See a live walkthrough
We show the qualifying event payloads, dependent models and webhooks mapped to your data shape.
Get pricing and a plan
You get custom pricing per active customer connection, plus a build or migration plan if you are moving off another provider.
Frequently asked questions
How does Bindbee detect COBRA qualifying events?
Bindbee reads the connected HRIS and payroll data stream and surfaces terminations, hour reductions and dependent loss-of-coverage events as structured, real-time events instead of leaving them for manual census reconciliation.
Which HRIS and payroll systems are supported?
More than 60 systems, including Workday, ADP Workforce Now, RUN, Vantage HCM and TotalSource, BambooHR, Gusto, Rippling, Paychex, UKG and SAP SuccessFactors, plus regional and SMB providers. If a system is missing, our team builds a custom connector, typically in 7-10 days.
How is pricing calculated?
Pricing is custom and charged per active customer connection as a flat fee, decoupled from API call volume. Volume discounts apply to platforms with high integration counts. Book a demo for a quote, RFP response or security documentation.
Is the data handling compliant for benefits use?
Bindbee is SOC 2 Type II, ISO 27001, HIPAA compliant and GDPR-ready, with data residency in the US, EU and APAC and private cloud deployment on AWS, Azure or GCP.
We already use Merge.dev, Finch or an in-house build. Can we switch?
Yes. Our migration team runs a zero-downtime approach: parallel data sync, field mapping translation, customer-by-customer cutover and validation against the source data shape before the old integration is retired.
Do you work with employers directly?
No. Bindbee is integration infrastructure for software platforms. We are not an HRIS, payroll or benefits administration system for employers, and we do not sell insurance or act as a broker.
Ship your COBRA integration once
See how Bindbee surfaces qualifying events, dependents and census changes from 60+ HRIS and payroll systems through one API. Book a demo and get custom pricing for your platform.
- Terminations and hour cuts surfaced as structured events
- One API connection to 60+ HRIS, payroll and benefits systems
- SOC 2 Type II, ISO 27001 and HIPAA compliant