What you can expect once a claim has been filed Once your employee files a long term disability claim - The claim will be assigned to a Disability Claims Professional (DCP) for initial review. If appropriate, the claim will also be reviewed by a clinical case manager and a vocational rehabilitation specialist.
- The DCP will place calls to your employee and your company's benefit representative to discuss the claim and answer any questions they might have.
If additional information is needed
If benefits cannot be approved immediately, you will receive a copy of the letter sent to your employee explaining: - what additional information is necessary to complete the review, or
- why benefits are not payable.
If information is requested from you, your quick response will help us to serve you better and allow us to make a timely decision for your employee.
When benefits are approved - You will receive a copy of the approval letter sent to your employee.
- You will receive the employee's benefit checks and explanations of benefits (unless you direct us to send these to the employee).
- You will receive regular reports of disability payment activity.
If return to work is expected
If your employee is expected to recover and return to work at his or her regular occupation, a return-to-work specialist will manage the claim. This specialist will: - coordinate with you, your employee and your employee's physician during the employee's recovery period and transition back into the workforce;
- provide timely updates regarding when to expect your employee to be capable of returning to work; and
- discuss possible work accommodations.
Our disability insurance policies offer incentives for your employee to return to work. To view them click here.
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