For Insurers

With in-house experience at some of Australia’s leading insurance companies, we appreciate the specific requirements and unique challenges of the insurance industry when managing income protection and total and permanent disability claims. At Work Life Well, we differentiate ourselves through an appreciation of the claims management process. We pride ourselves on our understanding of:

  • The significance of functional capacity as a measure of occupational capacity.
  • The health benefits of safe work and the role of occupational recovery in overall recovery once someone is well enough to engage and barriers are addressed.
  • The challenges of assessing incapacity in a cross-sectional assessment and the benefits of utilising information from a range of sources.
  • The need for reports that have clear opinions that are best practice, supported by the information gathered and defensible.
  • The benefits of providing strategic advice to progress a claim.
  • The difficulties associated with differing medical opinions and the benefits of consulting with treatment providers (if feasible).
  • Focusing on the insured’s experience to ensure it is supportive and non-adversarial.
  • The importance of specific policy definitions if asked to provide opinions regarding total and permanent incapacity and salary continuance.
  • The benefits of additional service offerings including file reviews, case- conferencing with treatment providers and rehabilitation providers, education to claims managers in assisting in claims management.

Benefits to Insurers

  • Provide strategic advice regarding claims progression.
  • Comprehensive, balanced and justified occupational health assessments
  • Ability to engage collaboratively with treatment providers to increase alignment in opinion and direction.
  • Ability to combine file review and clinical assessment to provide a more in-depth assessment and recommendations rather than a purely cross-sectional evaluation.
  • Specialised clinical intervention service geared at reducing short and long-term disability claims.