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Disability Compare Report

 

Report description

This report helps employers better understand their disability risks and could help guide the implementation of some occupational health and safety programs. It provides managers multiple views of comparative information from Unum's disability database, using common demographic variables to benchmark a company's experience against its industry and the entire Unum claim block. This report can provide several views that compare short-term and long-term disability performance against a number of claim variables (e.g., age, tenure, job type). This report can be modified for Enhanced customers. In the Enhanced version, the Comparable Business can be adjusted, by the user, to incorporate the SIC and/or certain plan design features for more accurate peer comparisons.

 

Data details — what's in? What's out?

This section provides information which is specific to the disability compare report. Please refer to the information in the Understanding the Data Details for All Reports section for general information on the details for all reports, including Marked up in Error (MUERR) claims and data processing delays.

 

Data

  • Analytical report — the user selects the various peer comparison graphs that they would like included in the report. Use the table below to see the reports that are available for each product:

Report name STD LTD
Age SI-STD and FI-STD SI-LTD and FI-LTD
Diagnostic Category SI-STD and FI-STD SI-LTD and FI-LTD
Duration (closed claims only) Not available SI-LTD and FI-LTD
Duration comparison by diagnostic category (closed claims only) SI-STD and FI-STD Not available
Gender SI-STD and FI-STD SI-LTD and FI-LTD
Occupation Not available SI-LTD and FI-LTD
Reason for closure (closed claims only) SI-STD and FI-STD SI-LTD and FI-LTD
Social security offsets Not available SI-LTD and FI-LTD
Worker's compensation offsets Not available SI-LTD and FI-LTD
Years of service SI-STD and FI-STD SI-LTD and FI-LTD

  • All reports, except the Reason for Closure report, provide company experience, as well as peer comparisons and Unum Block comparisons. (View information on the peer comparisons. In general, the comparison to the Unum block is less relevant due to the significant differences in experience driven in industry and plan design.)
  • Non-compensable claims are excluded from all reports, except for the Reason for Closure report.
  • Data is updated quarterly. However, the data for the most recent quarter is not available until 15 days after the end of the quarter.

 

Report-specific data

  • To protect the privacy of individuals, the Diagnostic report is only produced if there are at least 25 claims in the review period.
  • View the specific diagnostic codes that are included in each diagnostic category. Note: Back injuries are categorized with all other injuries in the "Injury/Poisoning" category.
  • In the 2 Duration reports, the duration of a claim is calculated as the length of time between the Disability Date and the date that the paid through date. This is meant to measure the full amount of time that an employee was out of work, which includes the elimination period.
  • For newer customers, the Duration reports may appear skewed because the longest duration can only date back to the effective date of the policy.
  • Occasionally, a claim is submitted to Unum without a gender specified and it can be a period of time before the Disability Specialist has the information to code the gender into the system. If the Gender report has an "Uncoded" category, it refers to these particular claims.
  • When a claim is entered into the claim system, the first three digits of the 9-digit Dictionary of Occupational Titles (DOT) code are entered. (The DOT is published by the U.S. Department of Labor, which contains job descriptions and occupational traits of occupations.) The DOT codes are then grouped to an appropriate category in the Occupation report.
  • The Reason for Closure report only provides peer comparison data, not Unum block data.
  • "Other" reasons for STD Reason for Closure include Late Notice of Claim, Claim Withdrawn, Failure to Provide Required Information, Elimination Period Not Satisfied, Appeal Upheld, MandN Limitation, Settlement, and Advance Pay and Closed (for maternity).

 

Enhanced options

  • In the Enhanced version, the Comparable Business can be adjusted, by the user, to incorporate the SIC and/or certain plan design features for more accurate peer comparisons.
    1. Plan design features for STD include: elimination period and maximum duration.
    2. Plan design feature choices for LTD include: elimination period and maximum benefit amount.

 

Available products

  • The user selects one product at a time: fully-insured STD, fully-insured LTD, self-insured STD, or self-insured LTD.
  • Available reports vary by product. Please refer to the table above for product availability information.

 

Claim selections

Closed claims

  • The user chooses starting and ending quarter. There is a maximum of 2 years of data for STD claims and 3 years of data for LTD claims.
  • Claims that have a status of closed within the review period are included. Claims that had a status of closed prior to or after the review period would not be included in the report. Claims are grouped by end date.

Open claims

  • The user does not make any date selections. Claims that are open as of the Data as of date are included. Claims are grouped by disability date.

All claims

  • The user chooses the starting quarter. There is a maximum of 2 years of data for STD claims and 3 years of data for LTD claims.
  • All claims are based on a combination of the above criteria for closed and open claims. The report would include all claims which are open as of the run date and all claims that closed in the period.

 

How can I use this information?

Each disability compare report reveals one aspect of the claim experience. Used together, the reports can help illustrate certain patterns which may be specific to the organization or the industry. Follow the cues provided in each report to see how different aspects are related and to gain a better understanding of what might be impacting the company claim experience. It is important to draw conclusions from the data after a thorough review of all the extenuating circumstances. In order to interpret the data correctly, here is a sampling of questions to consider:

  1. Are there any circumstances (e.g., downsizing, outsourcing or company policies) that may be contributing to extended durations?
  2. Are recoveries at the company impacted by an older claimant population? If so, does the company have a Social Security Advocacy program in place or an individual assigned to assist employees in the application process for Social Security Disability Benefits?
  3. Are longer durations influenced by disabilities that are more serious in nature?
  4. Are safety and prevention programs in place? Are work processes and tools reviewed by safety teams?
  5. Is the company plan design similar to my peers? (You can use the disability plan design report to see peer plan design information.)

The disability compare reports are also valuable when used in concert with other CR&A reports. However, a word of caution: when comparing the durations in one report to the durations in another report, you may notice differences. Understand the differences in how duration is measured in the various reports.

For more ideas on how to use this information, refer to the section titled Interpreting the Reports.