Who We Are

Disability RMS is the nation’s leading provider of turnkey group life and disability risk management products and services with a focus on group ancillary products. For more than 25 years, we have delivered unparalleled Actuarial, Underwriting and Claims industry expertise in risk management, and provided administrative support solutions through our Administrative Solutions offering. We offer these services on a reinsured or service only basis. For more specifics on the products and services we offer, please visit our Offerings and Products.

Located in South Portland, Maine, our team consists of more than 350 highly skilled professionals. Our employees have the specialized product knowledge and service skills required to succeed in today’s complex risk protection market. The cohesiveness, experience and dedication of our team enables us to provide the highest levels of service and innovation in the industry. As we have grown, we have nourished and maintained a small company culture, which reflects hard work with a collegial spirit.


At Disability RMS we offer flexible solutions to meet your unique needs. Our disability reinsurance products and services are available on a turnkey basis. Customized offerings can be implemented as part of an administrative services or consulting agreement.

Disability RMS’s Solution to Comprehensive Claims Management

Disability RMS offers its highly rated insurance systems and services to organizations looking to provide efficient and outstanding customer service for their clients. Our systems and services support all types of traditional group and worksite / voluntary insurance products with a full range of administrative support including policy/certificate issue and delivery, billing and premium reconciliation, commission accounting, customer service, medical underwriting, claim management and reporting.

Claim Services

Our Claim Services are unsurpassed in the ancillary group insurance industry. Ranging from full service claims management to select claim functions, we help insurance carriers with the complex components of claims management.


Group Ancillary Insurance experts are available to help you develop and execute on a wide range of strategies and tactics.  From Actuarial support and Claims management, to renewal and new business pricing strategies, we can help you build a winning formula in today’s complex marketplace.

Life Waiver of Premium Services

Disability RMS has the experienced resources to adjudicate your LWOP claims. This service is available with or without reinsurance of your Life Insurance business.


Disability RMS resources are available to educate your employees on Underwriting and Claim techniques that have proven successful in the competitive Ancillary Insurance marketplace.

Product Development & Compliance Services

Our experiences compliance team will work with you to develop products that are tailored to your needs. With expertise on the recent Compact requirements for Life and Disability they will guide you through the process. In addition, our strong relationship with state insurance departments will aid you in state specific direct filings.

Claim Buyouts

Providing capital relief and allowing your specialized resources to focus on growing your business, Disability RMS will assume your disabled life and LWOP reserves.