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0 JEFFERSON PILOT FINANCIAL <br />L' <br />0 <br />IS LEADING THE WAY ON GETTING DISABLED <br />EMPLOYEES "BACK ON TRACK" <br />DISABILITY MANAGEMENT <br />Disability management differs from claim management. Disability <br />management refers to managing the disability while claims management <br />refers to proper payment of a claim. Disability management can help: <br />*Reduce direct and indirect costs of disability to the <br />employer (lost productivity, increase in <br />premiums, morale) <br />*Proactively manage the claim by setting clear objectives <br />*Determine reasonable accommodation for employee <br />limitations and provide ergonomic assistance <br />*Provide early intervention in determining an employee's <br />ability to return to work <br />*Provide rehabilitation services <br />Our LTD contract is an industry leader in benefit innovation when it comes to <br />getting disabled employees back on track. Look for these features in our <br />contract: <br />*Partial Disability Benefit <br />*Return -to -Work Incentive <br />*0 -Day Residual <br />*Accumulation of Elimination Period <br />*Reasonable Accommodation Benefit <br />*Vocational Rehabilitation Benefit <br />Our disability management philosophy and our "employee <br />friendly" approach will earn employers the respect of their <br />employees for being sensitive to their total family and financial <br />needs. <br />