Feb 10, 2022
Integrated disability and medical benefits reduce cost and employee absence
In a recent study, Anthem Life found that integrating disability and medical benefits can reduce lost workdays and lower costs for members.
Our Productivity Solutions integrated disability and medical benefits study (Upstate / Downstate) found that integrating disability and medical benefits resulted in:
- 67% of short-term disability claimants returned to work early when disability claim managers and medical care managers worked together.
- 4.7% lower short-term disability claim duration when members engaged with a medical care manager or health coach.
- $66 per member per month medical cost savings when members engaged with medical case managers when referred by short-term disability claim managers.
Musculoskeletal disorders are one of the biggest drivers of healthcare costs and the primary cause of lost workdays. Data shows that Empire Whole Health Connection/SM – Productivity Solutions helps deliver:
- 3.1% lower short-term disability claim duration.
- 14% lower average claim duration for members with disabilities caused by knee osteoarthritis.
Along with absence and disability, Empire Whole Health Connection connects condition management and health improvement programs for medical, disability, pharmacy, dental, and vision plans. This helps simplify the members’ experience and improves the performance of the employers’ overall health benefits. It does that by identifying members at risk for disability and integrating care for improved overall health and lower costs for members and employers.
For more information, please contact your Empire representative.
Health, Dental, Vision, and EAP products and services are offered by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc., licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans.
Life & Disability products are underwritten by Anthem Life & Disability Insurance Company, an affiliate of Empire HealthChoice Assurance, Inc. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.
Life insurance benefits provided under Certificate Form Number LBO A NY 0105 C REV 0209. Disability insurance benefits provided under Certificate Form Number DLS A NY 1113 C. The expected benefit ratio for the Disability policies is 60% for groups of less than 50 lives, and 65% for groups of 50 or more lives. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. 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.