Disability claims costs are soaring all across Canada. Dramatic changes in our labour force over the past few decades have led to workplace environments with new responsibilities and expectations:

• Canada's population is aging
• More single parents are in the workforce
• There is increasing competition for skilled workers

Cowan Insurance Group's multi-disciplinary team of health professionals is focused on finding innovative ways to prevent and manage disabilities resulting in fewer claims and shorter durations.

The Health and Disability Management Team includes:

• Consulting physicians who are experienced in disability evaluation and occupational medicine
• Registered nurses, specialized in occupational health and disability management
• Registered health and disability management professionals
• Registered occupational therapists skilled in ergonomic and rehabilitation issues, and conflict resolution.

We offer the following programs:

• Prevention and Wellness
• Early Intervention and Re-Integration Program (EARS)
• Sick-Leave/Short-Term Disability Adjudication
• Transitional Work Programs
• Long-Term Disability Administration
• Policy & Procedure Development: Sick-Leave and Transitional Work
• Workers' Compensation Management

We believe the most effective way to head off rising disability costs is to implement a comprehensive and integrated Health and Disability Case Management program. The program's primary objective should be to reduce disability costs, maximize attendance and productivity while at the same time promoting employee well-being.

Contact Us

Contact us if you would like to learn more about how we can help you meet your health and disability management needs.