Life, Disability and Absence Management

Life Insurance

Group life insurance rates continue to decrease.  In addition to price, it is important to work with a carrier that will provide a high level of service around billing, claim payment, and premium waiver related to disability.

Supplemental life can provide employees with additional life insurance protection at rates that may be cheaper than an individual policy and without requiring a medical exam or underwriting questions.

Short Term Disability

As an employer, there are many decisions that need to be made with STD.

  • Should it be offered on an employer paid or voluntary basis?
  • How will it integrate with your vacation and sick day policies?
  • Does it make sense to self insure the STD?
  • Are there issues today in administering FMLA?

At MMA, we help our clients everyday make the best decisions for their employees and their bottom line.

Long Term Disability

Arguably the second most important benefit for employees is LTD.  An employee's most important asset is their ability to earn income, and LTD protects the employee and their family if they have a long term disability.

At MMA, we are experts in LTD.  The contracts for LTD are complex and vary considerably among carriers.  In addition, there are many terms that can be adjusted if you know where to look and what to ask.  Understanding how to leverage the tax code is another important aspect with LTD.

LTD is such an important, yet complex benefit, that it is critical that employers have the right firm to guide them to ensure their benefit has the highest value and not simply the lowest price.

Absence Management

MMA provides services to employers that help reduce costs and improve employee productivity.

A successful absence and disability management program

  • Increases productivity
  • Improves employee health
  • Reduces the duration, cost and impact of STD, FMLA, and other absence/disability programs
  • Positively affects workers compensation experience

Steps to a successful program

  • Understand cost of absences in total and by type
  • Quantify target reduction and potential savings
  • Develop specific programs to achieve savings

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