Integrated Short and Long Term Disability

Keene, NH

Income Replacement Benefits are highly valued by municipal, school and county employees here in New Hampshire. Replacing employee income lost during a period of disability is especially important because higher medical care costs and caregiver expenses almost always accompany a disability.

The old system of purchasing separate short and long term disability and workers' compensation can be frustrating and often times more expensive than necessary for both employees and employers.

Delays caused by filing claims with the wrong insurance company, waiting to see if a claim is covered by one insurance company or another, and having to start the claim process all over again with another insurer can result in overpayments of benefits that are almost always difficult to recover. In the meantime, financial hardship can visit upon injured or sick employees who are counting on the weekly disability to make ends meet.

The new Primex³ Integrated Short Term and Long Term Disability Program relegates these problems to the past and sheds the old disability claim management process.

One call to the central toll-free number sets the claim management process in motion. All claim forms and related documentation go to the same place, where highly professional, dedicated, in-house claim processing and medical care management teams go to work on your behalf. It doesn't matter if the claim in question is work-related (workers' compensation) or not (short and long term disability coverage). Thoroughly familiar with New Hampshire's municipal, school and county workplaces, the claim management teams coordinate their efforts to assure that each claim is followed through to a successful outcome.

Some organizations and insurance companies say they offer integrated benefits when in reality three or more insurance policies or companies are involved in the process. At Primex³ you never have to deal with more than two policies - workers' compensation and short and long term disability - and one provider where everything is integrated at the claim level.

The integration of disability benefits is an evolving process but the barriers between disability plans and the workers' compensation coverage you provide your employees can be removed. This can happen by reducing confusion, eliminating duplicate payments and overlapping coverage, and mitigating the delays in getting these important benefits to employees.

For more information regarding the programs offered by Primex³, please contact our Member Services Team by calling (800) 698-2364.