View from The Helm

It's our favorite time of year - when an abundance of homemade goodies flows through the office and the smell of eggnog and gingerbread lattes wafts through the air. Our waistlines are expanding by just walking into the kitchen.... Read more »

A Long Term Care (LTC) claim comes at a challenging time for the insured and his or her loved ones. Often the person covered by the policy cannot make decisions alone, especially when cognitively impaired. If the claimant is impaired, a valid Power of Attorney (POA) is required so that the claims analyst knows who has the authority to make decisions on the claim and what exactly that person can decide. Without knowing the “who, , when, what” of a POA, the claims analyst cannot make a timely decision, in turn, adding to the stress of an LTC claim.... Read more »

My fellow disability claims analysts – how many of you can relate to this dilemma? You’re coming up on the time when a Short Term Disability (STD) claim may need to be transitioned to Long Term Disability (LTD) per your company’s guidelines. However, you’ve got hundreds of newly submitted STD claims on your desk that... Read more »