Western Shield Insurance Solutions

Group Disability Insurance – Is Your Coverage Sufficient?

Most disability plans have two crucial limits that every person with a group benefits plan should understand: the Non-Evidence Maximum (NEM) and the Maximum Benefit. The NEM represents the amount of disability coverage an employee can receive without additional medical evidence, while the Maximum Benefit is typically higher coverage available if the employee completes a health questionnaire.

Administrators should remind employees at least annually that they can apply for higher disability limits to avoid costly disputes. Advantage Pacific offers this valuable compliance service to all our benefits partners at no extra cost.

Need help managing excess disability limits? Contact Advantage Pacific today for a no-fee, no-obligation benefits review.

Understanding what is being claimed in your group benefits plan is crucial for managing costs and ensuring the sustainability of your benefits program. Regularly reviewing claims data helps identify trends, such as high-frequency claims or areas where employees might need more support. This insight allows you to tailor your benefits plan to better meet the needs of your workforce, improve employee satisfaction, and make informed decisions about plan adjustments.

Claims transparency highlight's the value of the benefits offered, reinforcing the commitment to your employees' health and well-being. Stay proactive and informed for a healthier, happier workplace.