At Cowan Insurance Group, every opportunity is explored to assist employees in the recuperation process and reintegration into the workforce while receiving Long Term Disability (LTD) benefits. Our objective is to ensure that employers are kept up to date on the prognosis of all employees on LTD in terms of their future well-being and possible options for future return to work.

What We Offer

Our LTD program is truly a partnership with our clients. We start by working to understand your organizational culture and administration. Then we tailor our services to your needs, which may include:

• Coordination of early applications for disability benefits, through the early intervention program
• Providing early transmission of properly documented files to the LTD insurer, without prejudicial assessment, in the event of a potential claim
• Ensuring a positive partnership between Cowan, the insurance carrier and your organization.
• Effectively administrating potential rehabilitation claims within the Transitional Work Program
• Ongoing follow-up with the insurance claims adjudicator and the rehabilitation case worker
• Providing an audit of the existing processes at the employer and/or insurer level to identify key areas for attention, allowing optimization of processes and management of LTD files

Benefits of LTD Administration

As a Cowan client, you will benefit from:

• Regular activity reports to management
• Assurance that all necessary documentation has been provided to the insurer
• Strong communication between the insurer and the disabled employee
• Good communication between the insurer and the disabled employee
• Continuous follow-up with the insurer's Rehabilitation Coordinator aimed at promoting a successful return to work
• Harmonized interventions with the insurer's LTD Adjudicator and Rehabilitation

Contact Us

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