Rehabilitation in life insurance is generally aimed at assisting individuals with incapacitating illnesses and injuries to regain wellness. When effectively implemented, engagement with an external provider can empower individuals to regain their overall sense of wellbeing and return to work.
Life insurance employs a unique approach to rehabilitation. Below are some of the ways the process is different in the life insurance industry.
Involvement with a rehabilitation provider is completely voluntary
In the life insurance industry, members are afforded the freedom to choose whether to engage with a rehabilitation provider. The sector lacks a compliance mandate, and the success of the rehabilitation process hinges on the relationship between the policy holder, the rehabilitation provider and the insurer.
The goal isn’t always return to work
The rehabilitation process is usually geared towards a return to wellness and, to some extent, work readiness. Although there is no denying the health benefits of work, the goal isn’t always returning employees to work. Unlike most other sectors, life insurers do not have a strict obligation to get people back to work.
Long-term strategies are encouraged by insurers
Policies can cover members until they are 65. Insurers use holistic, long-term strategies concerning rehabilitation to help their members retain wellness over the course of their cover.
Having a flexible rehabilitation process can improve claims management right across the industry by reducing the duration of claims, providing greater benefits for members, and reducing the cost for life insurers.
Find out more about our Life Insurance Services
At Recovery Partners, we offer rehabilitation services that are designed specifically for the Life Insurance industry. Our vastly experienced clinicians assist claimants to return to wellness and back to their careers.
Our consultants love to have a chat, so go ahead and give us a call on 1300 OHS RTW (647 789) or email firstname.lastname@example.org
Disclaimer – these articles are provided to supply general safety information to people responsible for OHS in their organisation. They are general in nature and do not substitute for legal and/or professional advice. We always suggest that organisations obtain information specific to their needs. Additional information can be found at https://www.safeworkaustralia.gov.au/