All disability insurance contracts are underwritten by Sun Life.
When employees can’t work due to a covered disability, we replace a portion of their lost income and provide the means to return to wellness. With your broker, you can build the short-term disability plan that meets the needs of your employees.
Return-to-work benefits
Partial disability benefits encourage part-time work. Employees can receive a partial disability benefit for the full duration of their claim. In addition, the Return-to-Work incentive allows them to receive up to 100% of their pre-disability earnings while working part-time. The incentive applies for the full duration of their Short-Term Disability claim.
Our optional rehabilitation services benefit gives employees the opportunity to partner with vocational rehabilitation counselors to create an individualized return to work plan. Return to work plans may include job modifications or accommodations, transitional assignments and other reasonably necessary activities.
Our optional Zero-Day Residual benefit allows employees who are partially disabled and working part-time to satisfy the Elimination Period.
Quality service guarantee
We know that timeliness and accuracy are important. Client satisfaction is guaranteed under one or more of the following:
- Claims service. We will adjudicate all new claims within five business days of receipt of a completed claim packet, or we will follow up to request missing information. Our claims determinations will be 100% accurate at least 98% of the time.
- Client service. We will respond to all telephone calls from policyholders and claimants within one business day.
- Overall satisfaction guarantee. We’re committed to service. If a policyholder is not satisfied with their Sun Life experience—for any reason—we will provide payment under this section
More information is available by clicking here.
Questions? Contact WMC Insurance at 608-258-3400.