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BC Life introduces new process to simplify disability claims

British Columbia Life and Casualty Company (BC Life) is transforming how the life insurance industry approaches disability claims by combining short and long term disability and life waiver claims into one form.

Members applying for short and long term disability and life waiver benefits (STD, LTD and Waiver) have traditionally been required to complete three sets of claim forms.

“Simplifying the STD, LTD and Waiver process eliminates unnecessary administration and ensures that our members receive uninterrupted coverage as they transition from STD to LTD,” says Lucette Wesley, Director of BC Life Claims Services.

After an initial STD claim is submitted, BC Life will determine LTD coverage through confidential interviews with all parties. STD coverage will roll over to LTD when the medical condition and supporting claim evidence indicates that the member needs more time to recover and the policy provisions are met.

Wesley is also president of the BC Collaborative for Disability Prevention (BCCDP), of which both BC Life and parent company Pacific Blue Cross are members. The BCCDP is a non-profit collaborative that advocates for best practices in workplace disability management, mental illness and addiction support and Stay at Work/Return to Work programs.

“A more member-centric approach facilitates early intervention and case management during the STD period, which is the most effective way to ensure an early, safe and sustainable return to work for most situations,” says Wesley.

Plan sponsors: If you have coverage with BC Life and currently use a customized form, nothing will change and your old forms will continue to be accepted. If you wish to switch to the new standardized claim form, please contact your Pacific Blue Cross / BC Life service representative or simply start using the new form.

More information for plan administrators.

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