Short term and long term disability claims continue to grow in frequency and are among the most expensive benefits to incur as both reserves and premiums are directly affected by claims experience. 

 

Furthermore, disability claims are the most disruptive to both the claimant’s co-workers and family members who are directly affected by the individual’s inability to complete their daily routines in a normal fashion.

 

Early intervention by qualified, independent practitioners can mitigate prolonged absences due to physical or mental disabilities by ensuring the claimant has be properly diagnosed, is compliant with the prescribed treatment and has access to appropriate medical experts and medical services.

 

The business case to support managed healthcare services is compelling, and at the very least “cost-neutral”. Furthermore third party intervention and management of absences of this nature reduce the period of time required for the individual’s return to health and return to work.