View from The Helm

Chronic Pain and Opioid Use – Redefining Pain Management

Working directly with sick or injured claimants offers disability claim analysts a unique perspective on the prevalence of opioid pain medications for treating chronic pain. On one hand, the use of narcotics to manage symptoms can be helpful in determining the severity of the claimant’s condition and impact on their functionality. On the other hand,... Read more »

filed under: Disability, News

Fraud in Disability Claims - Another Look

Disability insurers are challenged to create realistic and attainable performance standards for the management of newer claims while also monitoring those where the insured is deemed permanently and totally disabled (PTD).  Clearly the focus is on new claims where the insured is likely to recover and return to work; however PTD claims should not be... Read more »

filed under: Disability, News

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... Read more »

filed under: Disability, News

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