It’s easy for your clients to view disability insurance as a commodity, with all products and carriers considered equal. But this perspective is a mistake that could cost them money — in the form of lost employee productivity.

Many brokers underestimate the impact a comprehensive disability management philosophy, including return-to-work and stay-at-work programs, can have on the total cost of an employee benefits program. These programs help save companies significant dollars by reducing the costs of health-related lost productivity, including losses associated with employee absenteeism and presenteeism.

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