Case Study: Claims Analysis Proves Crucial for Integration Between Disability and Medical Coverage

DMEC StaffResources

Claims Analysis Proves Crucial for Integration Between Disability and Medical Coverage

By Allen Woolf, M.D., Chief Medical Officer for CIGNA Claims Insurance.

Introduction

Early in the history of benefits integration, multi-line carriers approached the market with comprehensive offerings integrating the sequence of non-occupational disability, and/or workers’ compensation solutions, and in some cases medical programs. However, this approach fared poorly in the market for a variety of reasons and most employers continued working with multiple, single-line vendors. Employers may question that assumption after examining the cost data from this analysis of a major multi-line carrier’s claims base. In addition, we think you’ll find the FMLA data very interesting

Employers are always looking for ways to offer their employees competitive benefit packages, while at the same time controlling costs. However, the way employers are thinking about how they build their employee benefits programs is starting to change as they examine the impact of total costs and employee productivity on their bottom lines.

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