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    Administrative Service Only (ASO) Plans

    Short Term and Long Term Disability Management
    Administrative Services Only (ASO) Plans

    An employee’s disability may be caused by a singular event, but its impact will ripple through an entire organization. Expert management offered through Absence Solutions can help employers stabilize their disability plan and minimize costs. Our goal is to control disability claims with proven, quality techniques that start from day one of a disability and last until the employee is ready to return to work.

    Absence Solutions® equips employers with:

    • Tools to develop sound job analysis and return-to-work procedures
    • An early intervention philosophy that reduces exposure to long term absences
    • A third-party buffer between employer and the employee on more complicated claims
    • Control. The employer retains the ultimate decision-making power regarding how and when benefit payments are made

    Three Administrative Services Only (ASO) Plans:

    Full ASO Services

    • Comprehensive, full-service ASO program
    • Banking services
    • Full claim adjudication (as if the claim were fully insured)
    • Designated point of contact (for all disability questions)
    • Complete review and duration guidelines
    • Single claims examiner for STD
    • W-2 and FICA reporting services (provided we are the in force LTD carrier)

    Claim Payor Assistance Services

    • Expert claim advice and adjudication
    • Designated point of contact (for all disability questions)
    • Single claims examiner for STD
    • Complete review and duration guidelines

    Advice to Pay Service (STD Only)

    • Claims consulting service only

    For Additional Information:
    Absence Solutions Plan Highlights