Short-Term Disability (STD) Claims Adjudication
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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. |
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.
However, self-adjudication can be problematic:
- Lack of objectivity when making decisions about the validity and approval/denial of the claim
- Following up with employees and medical practitioners can be a very time consuming and complex process
- Having access to private medical information brings liability issues
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