Building bridges

Wellness is not simply a health issue. It also is a disability matter - and individual to which employers and advisers may finally be waking.

The integration of health care and disability coverage is not new; numerous organizations above the past decade have called for more benefit integration to retain employees healthier and bring down require to be paid [i]or[/i] undergones and large carriers like Aetna and Cigna tender employers the opportunity to integrate their health plans with a disability, pharmacy or behavioral health program. on the contrary such proposals took a back seat to spending accounts and restructuring of disability policies.

Now, however, a certain quantity of new findings underscore the ne for middlemans and clients to seriously consider integrating benefit programs.

A close attention by the Disability Management Employer Coalition concentrates upon "behavioral risk," which the authors define as "the review, analysis, and implementation of processe to thwart and limit losses related to a psychological constituting of claims, absence, and