abcd 2001 Healthcare Conference Keeping Health on Track 21 -23 October 2001 Scarman House
Managing Disability Claims n n Alex Isted n Munich Re and Mike Benton Medicals Direct
Managing Disability Claims n Do companies want to manage claims? n Proactive approach to managing claims n Be innovative with claims n Have a clear philosophy
Do companies want to manage claims? n Need appropriate resources n Need quality claims specialists n And enough of them n Professional Claims Management
Proactive approach to claims management n Management of disability claims starts with: n Developing the product n Managing proposer’s perception n Underwriting
Proactive approach to Claims Management n Late interventions = bad news n Uncontrolled portfolio n More likelihood of losses n Early intervention = good news n Manage claimant’s perceptions n (and GP’s and Employer’s) n Better chance of profitability
Professional Claims Management n Understand n Product n Medicine n Finance n Law n Interaction between all the above n It is not an administrative task n It is a profession
Barriers to desire to recover and return to work n NHS thinks in terms of fitness to live, rather than fitness to work n No coordinated structure for vocational rehabilitation in the UK n GP’s role ?
Wish list for road to recovery n Absence Management Programme n Vocational Rehabilitation services n Implement Disability Discrimination Act
Learning n Feedback learning into: n Claims n Underwriting n Product development n Premium basis n The whole business
Services Available n Visiting (Employee/Employer) n Private Investigation n Functional Capacity Evaluation n Third Party Services
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