Combating Fraud in Disability Claims

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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… 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… Read more »

When Customer Education Matters Most for Disability Insurance

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With May comes Disability Insurance Awareness Month (DIAM), a time for the industry to reinvest in consumer awareness of an often overlooked benefit. What happens though when we say goodbye to May and the dust has settled with new disability insurance customers? An important “so what” looms: the potential use of the product, and with… Read more »