Disability Insurance Administration

We have a culture focused on our customers. We provide various, diverse services for policyholders, such as mail room and imaging, underwriting and new business, policy administration, handling of premium billing and collections, commission processing and payments, a significant knowledge base, and automation tools. We aim to make your operations more efficient, save time, and make your life easier.

At Davies, we understand that decisions concerning disability claims are rarely clear-cut. Therefore, we gather the facts and objectively evaluate each claim while recognizing that these scenarios can evolve and change throughout the claim process. We stand out in the industry with our effective integration of specialized resources and proprietary client-server technology, which ensures accuracy, enhances communication, and promotes operating efficiency from start to finish.

We use an activity-based claim objectification approach to assess initial and ongoing benefit eligibility. We often work with clinical experts, forensic accountants, and legal advisers to get a clear understanding of each claim. In addition, we have access to medical examination providers and functional capacity evaluation professionals to help assess impairment levels and the impact on the claimant’s capacity to work. Our thorough process ensures that new claims are assessed fairly and active claims are managed correctly. Our unwavering commitment to training and compliance is integral to our disability claims management approach.

Our single-platform proprietary technology and project management experience ensure a smooth transition and exceptional customer service for you and your policyholders. Our collaborative onboarding approach helps us understand your risk tolerance better and create custom claim guidelines. Our automated claims platform can also support unique policy features.

Our robust suite of actuarial services is tailored to meet specific needs, from actuarial support for existing businesses to help assess the viability of a new product offering. We can deliver on time-sensitive initiatives and more extensive block analyses—or anything in between. These services include end-to-end rate increase implementation, gross premium valuation and reserve adequacy monitoring, financial projection, financial reporting (management reports, statutory and tax reserves), experience studies, due diligence, and audit support.

We provide expert litigation management and auditing services. Our team, led by highly experienced in-house counsel, minimizes claims litigation by applying proven dispute resolution techniques and promoting fair and cost-effective outcomes. Our legal team also provides annual training for all our claims and Policyholder Services (PHS) personnel.

Our auditing team plays a vital role in the client experience. We conduct periodic systematic reviews of all claim segments and ensure compliance with regulations and client requirements. These auditing professionals also make recommendations to enhance the handling of specific claims and identify potential training needs. They are always open to discussing process evaluation and feedback.

The effect of employees’ disabilities on employers goes beyond the direct cost of benefits. Disabilities in the workplace can impact productivity, healthcare costs, and revenue. By embracing a best-practice disability management model, employers can enhance workforce productivity and reduce healthcare costs.

Our experienced team takes a proactive approach by monitoring changes in claims adjudication regulations and privacy requirements. We handle fraud, Special Investigations Unit (SIU), and consumer complaint reporting and evaluate the impact of regulatory and proposed regulatory changes.
Additionally, we assist with new product filings, annual state filings, and meeting OFAC compliance requirements.