Bridge2Health Reduces Disability Claim Durations

In 2010, Unitedhealthcare sampled disability claims from a pool of more than 80,000 covered members. We compared UnitedHealthcare disability-only claims to UnitedHealthcare medical/disability claims to see if there was a difference in return-to-work outcomes. Results showed that members with both medical and disability coverage were more engaged in their health care decisions and returned to work more than 13% sooner than those who did not receive integrated care.1

Shorter disability durations can have a big impact on direct business costs.

1 A 2010 UnitedHealthcare retrospective cohort study of disability claim duration, excluding normal pregnancies, matched on the basis of disabling condition, age, job intensity and participation/non-participation in the Disability Management program.

2 Calculated based upon average claim incidence and claim durations published in JHA’s 2008 US Group Disability Rate and Risk Management Survey. The example is calculated for employees making an average $60,000 salary with a 66.67% STD benefit.

3 The Integrated Benefits Institute has created, in partnership with Sean Nicholson of Cornell University, Lost Productivity Calculators. An absence multiplier monetizes the lost productivity associated with lost work days as follows: Claimant lost productivity = claimant lost work days x avg. daily salary and benefits x multiplier. The following multipliers were used in the above sample calculations: A – 1.15, B – 1.05, C – 1.01, D – .99.