Creative Claim Solutions, Straightforward Approach

Our Mission: Be Good People, Build Relationships, Solve Problems

We founded SALT Associates because we’re passionate about delivering thoughtful, creative and straightforward claim management solutions. Whether you’re seeking support for your group disability (LTD/STD), individual disability, group life, individual life or life waiver of premium business, we can help.

The SALT Approach

Our values reflect our New England roots. We’re “salt of the earth” people who believe in integrity, authenticity and hard work. We feel strongly that the best results come from a collaborative partnership. That’s why we take the time to truly get to know your business, then generate a plan customized to your specific claim management project needs.

Ready? Let’s Grab a Cup of Coffee and Chat.

We’d like to get to know you, talk a little shop and see how we can help. We offer a free initial consultation. Contact us or call us toll free:1-866-846-7258.

Communication “Hit and Run”

Have you ever had the unfortunate experience of being involved in a “hit and run” incident?  Let me clarify – I don’t mean the vehicular type. I mean one of a communication nature – the phone or email “hit and run”. It may not be a legal crime, but the tactic can be considered criminal by some based on its negative impact to others. Of course I’m exaggerating, but some of you may feel my pain. It’s that unwanted voicemail or email  that comes in just after you leave the office for the day or head out on vacation.... Read More.

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Combating Fraud in Disability Claims

Whether adjudicating STD, LTD or Life Waiver of Premium (LWOP) claims, the claim analyst’s job is to not only offer excellent customer service, but also critically evaluate the insured’s conditions in conjunction with the policy provisions. I know that “critically evaluate” may sound a bit harsh. However analysts must thoroughly research every aspect of a claim to identify any potential red flags that could impact the insured’s ongoing eligibility or even worse, reveal attempted fraud – a growing, global problem as noted in this RGA article covering the “defenses” against it. While the vast majority of disability claims ARE... Read More.

Navigating ERISA Regulations for Disability Claims

Unless you’ve gone off the grid (in which case you aren’t reading this), you’ve likely heard about or have been involved in responding to the new ERISA regulations applicable to disability claims. The final rule passed by the U.S. Department of Labor (DOL) impacts claims submitted on or after April 1st. The updated regulations require several important changes to disability claim procedures in order to offer additional claimant protections. The regulations apply to benefit plan administrators of group disability and some voluntary disability business, and cover several areas in order to be compliant. Ensuring you haven’t overlooked or misunderstood... Read More.

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