Long term disabilities can leave employees with less income and retirement savings. And the resulting lost productivity can increase costs for employers.

So we do more than pay claims. With customized solutions that treat the whole person, we try to help employees get back to work as safely and quickly as possible. And no matter what happens, we stay involved and provide a personalized experience.

Treating the Whole Person

Workplace PossibilitiesSM plays an important role for customers with our Group Long Term Disability insurance.1 This program looks at the wide range of factors that can delay an employee’s recovery from a physical — or behavioral — condition.

Clinical, vocational and accommodations experts then coordinate their efforts and tailor a plan to help the individual return to work. They also focus on preventing disability in those still working, giving them the opportunity to stay at work — and receive a full paycheck.2

Ensuring Employers Have the Right Expertise

Our Workplace Possibilities consultants provide employers with access to local, onsite support.3Consultants work with employees proactively and coach managers on how to spot employees needing support and refer them to our program.

They can help ease the burden on HR by working directly with employees, coordinating available benefits. Consultants also help employers with Americans with Disabilities Act Amendments Act accommodations.4

Real Results for Return-to-Work

  • 64% of employees who participated in the program successfully returned to work.5
  • The program helped avoid almost $40 million in direct claim costs and 330,000 lost workdays.5

Long Term Disability Plan Details

Salary Replacement: Up to 70%

Maximum Monthly Benefit: Up to $25,000 per month

Benefit Waiting Periods: From zero days to two years

Definitions of Disability: Cover the employee’s own occupation, any occupation and “zero-day” partial disability

Coverage Options: One, two-, or five-year plan designs, or to age 65 own occupation periods

Physicians, Attorneys and Dentists: “Own Specialty” definition of disability

Reporting: Administrative claims reports service available

Long Term Disability Highlights

Proactive Response to Behavioral Health: A clinical resource contacts the employee and provides maximum customized support to help avoid delayed recovery.

Motivational Interviewing: Clinical staff receive training in techniques that can help employees make positive changes.

Return-to-Work Incentive: Disabled employees who return to work may qualify for partial or full benefits even while working for a period of time.

Return-to-Work Rehab: This feature covers some or all expenses paid by employees for approved costs that support a return to work.

OUR LTD CLAIM PROCESS

Clinical Resources Upfront Give Employees Targeted Support

Claim process infographic