Learn how to co-ordinate Disability and WCB claims

There are many advantages of co-ordinating Short-Term Disability (STD), Long-Term Disability (LTD) and Workers’ Compensation Benefits (WCB) claims – it can save both you and your plan member time and money.

When a work-related injury or illness occurs, it results in a WCB claim. If that same injury or illness causes a short- or long-term disability, it also necessitates an STD/LTD claim.

The advantages of co-ordinating claims

If the employee is approved for STD/LTD benefits, and it’s greater than the WCB benefits, they may receive the difference if the claims are co-ordinated. If the employee doesn’t apply for STD/LTD and they’re still not able to return to work after their WCB claim is resolved, they could be without any benefits.

What should plan members know about co-ordinating claims?

First, your plan member must confirm whether their STD/LTD coverage is occupational or non-occupational. Non-occupational will not cover a work-related injury or illness. If the plan has occupational coverage, it is required that a STD/LTD claim be submitted.

For approved LTD claims, Disability and Life related products premiums may be waived, depending on the policy provisions.

The STD/LTD benefit amount will be reduced by the WCB benefit. If the WCB benefit amount is less than the eligible STD/LTD benefit amount, the insurance carrier issues payment for the difference.

If an employee has not returned to work and their WCB claim is declined or closed with their benefits discontinued, they may still be eligible for STD/LTD benefits, depending on the assessment of their claim and their policy provisions.

For more information, contact your Group Benefits Advisor.