Disability insurance

What should group insurers look for when considering exciting new supplemental offerings to provide?

Data analytics firm miEdge ranks DI companies on in-force premium stemming from groups of 100-plus lives.

EBA partners with data analytics firm miEdge to identify 2018's leading U.S. companies based on in-force premiums.

A decade-long review of disability claims from carrier Unum reflects effects of aging workforce, early intervention.

By making the benefit more comprehensive, employers can help effectively treat workers and reduce overall costs associated with delayed recovery and poor employee health.

A proactive approach can reduce claims and increase employee productivity.

Often overlooked, the benefit could provide much-needed relief to employees who need income replacement.

Often overlooked, the benefit could provide much-needed relief to employees who need income replacement.

ID theft protection, pet insurance, long-term care insurance, critical-illness insurance and hospital indemnity are seen as essential aspect of modern employment.

ID theft protection, pet insurance, long-term care insurance, critical-illness insurance and hospital indemnity are seen as essential aspect of modern employment.

An employee’s return to work is fraught with compliance and productivity challenges. A disability carrier can help.

An employee’s return to work is fraught with compliance and productivity challenges. A disability carrier can help.

Firms should consider the benefits of adding such a policy, who pays the cost and how state regulations fit into the picture.

Companies should consider adjusting workloads and provide workers with a flexible schedule so they can go to doctors’ appointments.

This could include providing employees with a flexible schedule to attend doctors’ appointments and/or adjusting their workload.

Employers should pick the right carrier, make sure to provide reasonable accommodations for employees and leverage resources from services they’re already offering.

Employers should ask themselves how they are handling the Cadillac tax, if there is financial mischief occurring with pharmacy rebates and if they should amend plan documentation.

Advisers can help clients to create a cohesive approach for identifying and supporting an employee working through a health condition.

Meeting growing demand from millennial workers, more employers are implementing accommodations to assist employees when they come back from a leave of absence.

Advisers should encourage and assist employers to assess their DI management process to determine if it is meeting employee needs.