Group Disability and Life

We’ve been providing group life and disability solutions since 1993

We started as Disability RMS almost 30 years ago. Today, with over $350 million in premium and over 40,000 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.

We offer customized solutions for claims management, underwriting, actuarial and policy administration.

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

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

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

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

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