Source: National Underwriter,
May 2002; The JHA Disability Fact Book 2003/2004 Edition
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Integrated
Disability Management is a concept that is often introduced in stages. Some
companies still view the model as meaning offering integrated STD and
LTD. Two carriers have taken the next step in Integrated Disability
Management to reduce costs, streamline processes, and ultimately benefit
claimants.
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In these times of Enron and Sarbanes-Oxley, one needs to be especially aware of
ethics in conducting business. Recently, brokers have attracted the attention
of insurance commissioners and law enforcement officials. In particular,
contingent commissions of brokers are being scrutinized. The article below
summarizes insurers’ perception of this type of commission. Will the
investigation of these commissions be the tip of the iceberg, or will it close
the book on the scrutiny of the industry?
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When a disability claim is received, one of the first things to be done is to
determine a claimant’s eligibility for benefits. Below are some of the very
basic and universal policy inclusions ~ remember every disability policy is
different and may contain these provisions (or may not) and may contain others
not listed here. The policy must be read carefully before beginning an
eligibility investigation.
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