We started as Disability RMS almost 30 years ago. Today, with over $525 million in premium and over 84,000 claims under management, you can use our expertise to help you meet your goals. We have extensive expertise in managing a full spectrum of group disability and group life insurance products.
Claims
Our claims management team includes experienced managed disability analysts and on-site physicians and nurses. Our integrated claims management systems and approach ensure a seamless claims process from STD to LTD. Our claims services are tailored to your needs and include:
- Full third-party administration services
- Organizational assessment
- Claims systems assessment
- Vendor network
- Block segmentation and analysis
Underwriting
We provide underwriting services for short-term disability and long-term disability on either a traditional or voluntary basis. Our services include:
- Pricing and underwriting assistance
- Case trend analysis
- Multi-product guidelines
- Segment analysis
- Industry assessment tools
- Performance measures
- Facultative pricing options
Actuarial
Combined with our flexibility and creativity, we calculate rates that are financially sound and competitive. Our reinsurance pools allow us to collect invaluable pricing and product data — more information than you could gather on your own. Our full-service package keeps your needs at the forefront:
- Reserve calculations
- Cash flow projections
- Rate filings
- Block analysis
- Contractual state filing
- Rate development and analysis
Compliance
You can trust us to help you comply with the complex, ever-changing regulations in the marketplace. Our experienced compliance team will work with you to file a product tailored to your needs. Services provided include:
- Regulatory support
- Filing assistance
- Product impact assessment
- Customized contract drafting
- Policy updating
- Product research
- Contract comparison
