Business Process Services

Disbursement Services

Insurers need to meet increasing demands for personalized service while conforming to strict regulatory guidelines and managing volume volatility. This calls for high process efficiency to achieve customer retention and profitability. Insurers also must reduce the number of ‘not in good order’ (NIGO) applications caused due to inaccurate or incomplete information, which can lead to increased response times and operational costs.

TCS Disbursement Services transform business processes to improve customer retention and reduce operational costs. We help improve customer experience through automation, which increases accuracy, speeds up disbursements, and reduces the number of NIGO applications in processes such as consumer eligibility, residual payouts, and withdrawals.

The TCS Advantage

ValueBPS: Our ValueBPS approach helps enterprises achieve significant and sustained business outcomes by leveraging our deep domain expertise and operations redesign methodologies such as FORE™. Our approach also encompasses robotic process automation (RPA), analytics and insights, our unique IT-BPS synergy, Business Process as a Service (BPaaS) models, and business process management (BPM).

Industry Domain Expertise: Our large pool of disbursement services experts, supported by certified senior staff, delivers quality insurance services.

Analytics and Insights: Our advanced analytics capabilities provide in-depth insights to ensure effective business planning and regulatory change implementation. We also provide detailed analysis on volume, billing, and revenue leakage.

Solutions We Offer

  • Required Minimum Distribution (RMD)
  • Residual Payout
  • Withdrawals
  • Loans
  • Survivor Payments


  • Up to 50% improvement in transaction fund earnings
  • Near 100% accuracy
  • Fewer NIGO applications due to streamlined processes
  • The ability to quickly staff up to manage seasonal fluctuations

Reach Us.