Integrated Disability Coverage:
Seamless and Successful
One approach that has been successful is a product that integrates both short- and long-term disability coverage. This is a combination plan that pays weekly benefits for the initial short-term period of the contract and switches to a monthly benefit payment for long-term disabilities.
Such a plan is a way for employers to better manage the costs of different types of disability through an integrated approach to disability management rather than 2 processes governed by 2 carriers. Thus, the employer benefits both operationally and financially.
