Integration of Benefits

STD/LTD/Workers' Comp

Integrated Disability Management is available to any of our clients who have STD/LTD and workers' comp with The Hartford.

We work with employers and producers to tailor programs that deliver cost savings by:

• getting employees back to work quickly regardless of the source of the disability
• streamlining the administrative and claims process

How Benefits are Integrated

Describing how the program works also demonstrates its advantages:

Exceptional consistency — single point of service

Claim handling, care management and customer service are administered through one integrated office. There is one telephone number to report or inquire about claims, consistent direction by nurse care managers, and consistent communication among the employer, employee, physician and claim team.

Better claim decisions — combined claim handling

Claim professionals have all of the information needed to make a decision on STD, LTD, and workers' comp benefits. There is one nurse case manager, one rehabilitation specialist, one treatment plan, and one return-to-work message.

Automatic consideration — easy access to all available benefits

If a workers' comp claim is disputed or denied, or if your disability plan covers work-related conditions, eligibility for STD or LTD benefits is automatically considered prior to any subsequent investigation or hearing. The employee's income is not interrupted, so there is less potential for litigation. It is easier to access benefits; there are no more duplicate forms, and no repeated requests for claim and medical information.

More control over claim abuse — access to all prior claim history

Because one team handles workers' comp and disability claims, we can identify serial claimants who might otherwise manipulate their lost-time coverage.

Integrated Loss Information — a single management information system

Using a single database covering all of your workers' comp and group disability claims, we provide you with illustrations of lost-time patterns across work- and non-work-related injuries. With problem areas highlighted, we equip you with the knowledge and the tools to control cost and improve productivity.