Typical disability insurers could do a lot more to help benefits claimants return to work.
Thomas Capato, chief executive officer of FastTrack RTW Services & Solutions, made that argument recently during an interview about his company’s efforts to structure and automate key parts of the return-to-work process.
Today, Capato said, a group long-term disability (LTD) carrier may find that its vocational rehabilitation teams may interact with only a small percentage of the claimants.
If the return-to-work team does interact with a worker, the only help the team provides might be to give the worker informal advice and tweak the worker’s resume, Capato said.
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FastTrack RTW has come up with a different approach.
A carrier answers 10 quick questions about a claimant, and then uses the answers to send FastTrack RTW information about the 30 percent of the claimants who seem most likely to benefit from help with returning to work.