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    Administrative Service Only (ASO) Options

    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

    We have three Administrative Services Only (ASO) plan options:

    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