Disability RMS provides underwriting services for traditional and voluntary short-term disability and long-term disability, as well as individual medical underwriting for our association business. We also offer facultative pricing on large employer quotes. Our services include:
- Pricing and Underwriting Assistance
- Case Trend Analysis
- Multi-Product Guidelines
- Segment Analysis
- Industry Assessment Tools
- Performance Measures
Our risk selection philosophy and process are designed with a simple goal in mind: to provide clients with the ability to acquire and retain profitable business. We achieve these results through an experienced staff that focuses on creativity in plan design, pricing of individual risk and strong medical underwriting.
In order to assess the impact to our clients, we review prospective and renewal business by considering many factors:
- Plan Design
- Manual Rates
- Client Company’s Marketing Strategy
- Industry Classification
- Claim Experience
And, through our industry involvement and leadership, we stay at the forefront of claim trends, economic changes and underwriting philosophies. That means we offer innovative solutions, while providing competitive, profitable rates.