The Hartford’s “Complex Claim Advice” Offers Help to Self-Insured Employers

January 22, 2003

The Hartford Financial Services Group announced that it’s now offering a program called “Complex Claim Advice,” to employers who self-insure their short-term disability plans and face “a growing number of challenges related to the cost and administration of the plans.”

The bulletin noted that The Hartford is the No. 2 seller of group disability insurance through its subsidiary, Hartford Life Insurance Co. The new solution is “available to employers with 50 or more lives who self-insure their short-term disability plans and purchase The Hartford’s long-term disability insurance.”

“Complex Claim Advice allows employers to submit ‘complex’ or complicated short-term disability claims to The Hartford for evaluation, providing the option to rely on outside expertise for claims that exceed an employer’s knowledge base or comfort level,” said the announcement. It “gives employers access to disability claim management expertise for a low-up front cost, after which, employers pay for The Hartford’s services as claims are submitted.”

“The Hartford is committed to providing disability coverages and services that help employers maximize their workplace productivity and reduce their lost time costs,” stated Jim Casey, Hartford Life Sr. VP. “Complex Claim Advice gives employers access to our claim management expertise, when they need it, to help return employees to active, productive life more quickly.”

The bulletin also noted the advantages of involving Hartford, as the insurance carrier, in the process from the beginning, “so claims with the potential to transition to long-term disability status can be identified early on and the appropriate intervention can be recommended, helping to reduce lost-time costs.”

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