Integration of Benefits

Employers have choices in their level of product integration. The more plans they integrate, the more value we can deliver.

For every level of integration, Employers also have access to various levels of information management reporting.

STD/LTD

Combined STD/LTD administration and claim management offer:

• minimal paperwork — one employer claim form and one follow-up employee questionnaire if a disability becomes long-term
• one claim office — employers save time, make fewer phone calls
• one claim management system means one database and one claim team, assuring continuity and consistent decision-making
• early intervention and early treatment planning can improve outcomes and even resolve some disabilities before they become long-term
• smooth transition to LTD without treatment delays or interruption of benefits