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DISABILITY INSURANCE AND ABSENCE MANAGEMENT
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To help ensure their financial wellness, employees need help protecting their income in case they miss work due to illness or injury. Prudential can help.
That's disability done differently.
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Health and Productivity Data Analytics and Consulting
Health and Productivity Data Analytics and Consulting
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Short Term Disability
Short Term Disability
Short Term Disability (STD) Insurance provides a source of income for employees who temporarily cannot work due to a disability. With a focus on returning them to work, claim managers make quick and accurate decisions that allow employees to focus on recovery instead of paperwork.
We can help reduce your administrative burden and minimize your costs with:
- Flexible funding options
- Customizable benefit plan options
- State-mandated disability plan management
- Employer and employee portals that provide easy access to claim information
- Seamless claim transition to Long Term Disability for integrated disability plans
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Long Term Disability
Long Term Disability
Long Term Disability (LTD) Insurance replaces a portion of an employee’s income when they are unable to work for an extended period of time due to a disability. Because every claim is unique, claim managers regularly assess work capacity and engage in-house clinical and vocational resources to help address medical and non-medical barriers to recovery and a return to work and/or a Return to Life.
Expect consistent, rigorous, and strategic case management via our capacity validation model. And our automated waiver of premium integration for customers who also have our Life Insurance products eases plan management and administration.
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Return to Work
Return to Work
In addition to the Return-to-Work (RTW) focus embedded in our claim practices, we offer optional solutions to help customers implement or improve in-house programs, including:
- Current State Assessments
- Job Description Consultation
- On-Site Ergonomic Evaluations
- Targeted RTW training for supervisors and occupational health staff
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Absence Management
Absence Management
Prudential’s state, federal, and company paid leave solutions can manage all your leave programs, reducing your administrative burden of tracking these complex and ever-evolving programs.
Absence Management Services* track and manage employees’ time away from work with an integrated disability and absence solution that helps:
- Control costs
- Manage workforce productivity
- Mitigate compliance risk
Leaves managed include:
- Family and Medical Leave Act (FMLA)
- State leaves
- Employer-directed company leaves* and company paid leaves,* and
- ADAdvocate® Leave Accommodation Support Services**
Customized reporting provides you with actionable data about plan participants, and our proprietary systems streamline absence tracking, reporting, and compliance with regulatory requirements.
Employees will enjoy a simplified experience through convenient absence reporting options, compassionate absence professionals, and 24/7 absence status access. Our seamless process offers a single intake process, point of contact, claim number, and claim administration for absence and STD.
*Available for employers with 1,000 or more employees.
**Available for employers with 500 or more employees.
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Health and Productivity Data Analytics and Consulting
Health and Productivity Data Analytics and Consulting
We are proud to offer a team completely dedicated to identifying disability trends that impact employers and making actionable recommendations to help maximize productivity and minimize absence.
Our analysis and reporting will identify and drive:
- Program activity and trends
- Estimated employer cost of unplanned absence
- Return-to-work opportunities
- Benchmarking against Prudential’s book of business and industry databases
- Plan design recommendations
Our goal is to work with you to help maximize plan performance for greater achievement of each employer’s benefit objectives.
See how our clients are already seeing success from implementing our programs:
- Manufacturing Case Study PDF opens in new window
- Healthcare Case Study PDF opens in new window
- Telecommunications Case Study PDF opens in new window
Spearheaded by an industry thought leader
Kristin Tugman, Ph.D., CRC, LPC Vice President, Health and Productivity Practice, Prudential. With more than 20 years of experience as a health and productivity consultant, Dr. Kristin Tugman’s work details a specific cognitive behavioral model to help individuals overcome psychological barriers and return to productivity. She’s also the author of several publications on the psychological aspects of disability.
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A Better Claims Experience
A Better Claims Experience
We invest heavily in people, process, and technology to help continually simplify and improve the disability claims process.
Technology and processes focused on making things uncomplicated for claimants:
- Predictive Modeling and Data Analytics claim models use data to proactively manage claims by leveraging decades of historical claims data and industry expertise to channel the right claims to the right resources at the right time
- Mobile photo upload is a simple, fast way to provide claim documentation
- Two-way text functionality keeps everyone in the loop
- Online claim status tool provides employees quick access to their information
- Online and Mobile Optimized claim filing and document upload capability enables employees to manage their claims when it’s convenient for them
- Integrated claims experience, with absence, STD, and STD to LTD (when products are with Prudential), with a single intake system, claim number, claim manager, and notification
- Live phone claim intake, 24/7
Continuing investment will bring to life new features in the future
- Proactive activity alerts
- Personalized emails with claim status
Claim Management Professionals with an average of 6 years of industry experience and ongoing training that includes policy provisions, medical terminology, and leave laws.
- Clinical and Vocational Rehabilitation Specialists with specialties in occupational health, clinical psychiatry, rheumatology, and orthopedics, among others
- Prudential’s in-house physicians and clinical staff help our specialists develop claim strategies focused on return to work
- Social Security Claimant Assistance Program to help Security Disability application process
- Behavioral Health Specialists help support employees through depression and other mental illnesses, which are leading causes of disability.
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An Easy Enrollment Process
An Easy Enrollment Process
We listen to our customers and constantly strive to ensure a swift and easy enrollment process for all eligible participants. So in addition to helping you promote enrollment, we’ve simplified our online Evidence of Insurability (EOI) process so that all an employee needs to do is answer just two or three questions.
70% of people who use our new EOI process are approved on the spot.*
*Prudential Group Insurance Book of Business Results, 2017.
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The Numbers Tell the Story
The Numbers Tell the Story
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Approximately 10% lower average STD durations seven years in a row1
Over 1,200 STD clients covering more than 2 million lives2
More than 85% of STD decisions are made within 10 days of first notice3
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Over 1,700 LTD clients covering more than 2.8 million lives4
99% Quality Review comprehensive results5
97% of initial LTD decisions made by benefit effective date5
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More Information About Our Solutions
More Information About Our Solutions
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Broker Administration
Licensing, Appointment, & Registrations
Client Operations Service Center
Benefits administrators/HR representatives with 500 or more employees
Call 1-888-598-5671
Already doing business with us?
Contact your Prudential representative.
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The Prudential Insurance Company of America (Prudential)
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Footnote
- 1 Based upon Prudential-reported results in IBI Study, 2011, 2012, 2013, 2014, 2015, 2016, and 2017.
- 2 LIMRA, 2016 Annual U.S. Group Disability Sales and In Force Survey. Client counts and lives covered are based upon number of contracts and certificates in force.
- 3 Disability Claims Operations Service Metrics, 2018.
- 4 Prudential Book of Business, 2018
- 5 Prudential Service Metrics, 2018
This site may contain marketing language on products issued by The Prudential Insurance Company of America that has not yet been approved in all states.
This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
Disability Insurance coverages are issued by, and Absence Management Services are administered by, The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500.
For Compliance Use Only:1002387-00004-00
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