Short-Term Disability (STD) Claims Adjudication
What is a STD Claim?
Occasionally, an employee will need a medical absence from work due to a non-work related injury or illness. During this absence, the employee can be entitled to receive a form of disability payment.
The key to short-term disability claims is that the adjudication (or the approval process) can be done either by an insurance provider or within the company itself (if they self-insure).
If an employee remains off work for a specific period of time, the claim becomes known as a Long-Term Disability or LTD claim and the likelihood of returning them to regular duties decreases.
The key to short-term disability claims is that the adjudication (or the approval process) can be done either by an insurance provider or within the company itself (if they self-insure).
If an employee remains off work for a specific period of time, the claim becomes known as a Long-Term Disability or LTD claim and the likelihood of returning them to regular duties decreases.
Companies That "Self-Insure"An increasing number of companies are deciding to self-insure their Short-Term Disability (STD) claim benefit costs rather than using a traditional insurance company.
However, self-adjudication can be problematic:
The Solution: For these companies, Clear Path's HR and medical professionals can serve as an objective 3rd party adjudicator and assist in the Return-To-Work process. |
How Clear Path Can Help
- Adjudicate your company's Short-Term Disability (STD) claims based on criteria established by your company and medical standards
- Help return employees back to work when appropriate
- Serve as an objective 3rd party during the process
- Manage the privacy requirements for your organization
- Our medical consultants can work directly with your injured or ill employee
