By Skip Simonds

Managing Principal
Simonds & Associates

If you’ve got two or more disability vendors, you’ve got seams. But what if you have only one vendor?

As a consultant, I hear the following from vendors of all types. “Absolutely, our claims process is seamless.” Nevermind that there is one person who handles short-term disability, another the long-term disability, a third the statutory leaves, plus a nurse, a vocational rehab specialist, an MD, and occasionally a customer relationship manager. There are seams everywhere.

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