g et it together IFS-A Ed. 7/2004
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1 g et it together Prudential Financial and the Rock logo are registered service marks of The Prudential Insurance Company of America and its affiliates. IFS-A Ed. 7/ M IFS-A Ed. 7/2004 The Prudential Insurance Company of America
2 of your business make the most Many causes, one result. Illness. Injury. Family emergency. Onthe-job accidents. Absences happen for a variety of reasons, but the impact on your business is the same lost productivity and its related costs. Now, you can more effectively manage all kinds of absences with one seamless program Prudential IDM, Disability and Absence Management Solutions.
3 One solution. Running your business gets more expensive every year. Health care insurance premiums continue to increase. Workers compensation and Family Medical Leave Act (FMLA) administration consumes valuable time and resources. And the "invisible" costs of absences including overtime pay, replacement workers, overstaffing, etc. continue to sap productivity. Prudential IDM combines a full-service disability plan, workers compensation claim administration, FMLA administration, and Total Absence Management (TAM) into one cohesive program. Additionally, it s backed by our extensive disability claim management experience and state-of-the-art information technology. Now is the time to step up to Prudential IDM your single solution for better cost containment and greater administrative efficiency. One flexible plan. Prudential IDM helps eliminate the inconvenience and expense of dealing with multiple carriers and administrators. We work with you throughout the entire process, so claim management activities are better organized and more effective. Prudential IDM is also designed to give you more flexibility. It s a menu of options, not a bundled product, and you decide what features will be implemented and when. Do it all at once, or phase in various components over time it s your choice. Begin with Prudential s Integrated Short and Long Term Disability Insurance, then add workers compensation claim administration, FMLA absence reporting services, and data integration services. Or, choose full service from day one. Whatever features you select, you can rely on Prudential IDM for a plan that fits your needs. One experienced team. Prudential s agreements with other industry-leading disability management providers give you access to a powerful array of services and systems. We offer a web-ready absence intake system that can be fully customized and integrated into your Internet or Intranet site. The system also supports Interactive Voice Response (IVR), which lets employees call toll free to report absences by following an easy series of prompts. You can link the absence intake system to other systems, such as human resources and payroll. It compares your employees IVR or web responses with eligibility requirements for disability coverage, FMLA, and other absence-related benefits. To ensure compliance with state workers compensation and managed care regulations, the intake process assigns all workers compensation claims to the appropriate regional claim office. And it produces reports and automatically generates FMLA notices and forms for eligible employees. CHOOSE YOUR LEVEL OF SERVICE Depending on your needs, you can implement Prudential IDM one component at a time or in larger increments.
4 the power of a One source of information. Prudential IDM tracks both occupational and non-occupational absences, giving you a fuller picture of your total absence and disability costs. You can get complete details about each IDM component, and, with our flexible reporting capabilities, you get just the information you need when you need it. Choose from a variety of standard reports or create your own custom reports to get specific data. For maximum convenience, use the online scheduler to tell us which reports you want and when you want them. We ll deliver them right to your inbox. Prudential IDM gives you better access to information information you can use to help develop effective absence management plans that save money and increase productivity. One disability product. Prudential IDM includes our Integrated Short and Long Term Disability Insurance. Our concise question-and-answer contract clearly explains when benefits will be paid. This helps to reduce ambiguities that add to claim risk, complicate plan administration, and increase costs. We help employees by providing the benefits they need when they need them most. In addition to regular Short and Long Term Disability payments, optional benefits like the Day Care Benefit, Spouse and Elder Care Benefit, and Continued Health Care Contribution Benefit help disabled employees meet financial and family obligations. And the Employee Catastrophic Disability Benefit helps your most severely disabled employees with an extra payment, which is not reduced by other sources of income.* Our group disability coverages are flexible and can be customized to fit your business. You decide when benefits begin, who s eligible for coverage, and how costs are split. Whatever the plan design, we ll help support your employees so they can heal and return to work. single solution
5 One point of access. Because absences can occur at any time, our integrated reporting center operates around the clock. Specially trained representatives are ready to help at any time, day or night. You and your employees will appreciate the convenience of a single contact. With one call, you can report routine claims, and your employees can report absences of any type. When employees call, their absence information is automatically screened for disability, workers compensation, and FMLA benefit eligibility. Once a claim is submitted, status updates and customer service support are available 24/7. For more detailed information, claim center representatives will refer callers to the specialist or claim expert who can best answer their questions. If the request needs additional research, representatives will follow up within one business day. INFORMATION INTEGRATION Prudential IDM brings together information from all sources, giving you a more complete picture of your absence and disability costs. Absence Information Disability Information Disability Claim Management Disability Medical Management Applicability Information Payroll Information HR Information Intake & Customer Service TOPS sm WC Administration One unifying technology. Choose the IDM plan backed by a technology leader. Prudential, in conjunction with our carefully selected service providers, offers premier disability management technology and innovative information systems. type of claim, they work together to exchange vital information and coordinate activity. This streamlines workflows, helps identify critical intervention points, maximizes return-to-work planning, and supports consolidated reporting. ONE CLAIM MANAGEMENT PROCESS Your disability, workers compensation, and FMLA claims are managed through a single point of access and closely linked systems, resulting in better integration of services and greater flexibility in reporting. One data manager. Prudential IDM is supported by proprietary claim management and administration systems. While each system is designed to handle a different Our data integration services allow separate systems to work together and share information, uniting them into a single IDM environment. The result? Enhanced data flow and reporting capabilities.
6 better results geared for The exchange of information also enhances claim administration. Each person involved in the claim, such as the case management nurse or claim manager, has access to pertinent information, resulting in better coordination of benefits and more consistent return-to-work planning. One data warehouse. One update. When claim information is updated in one system, the changes flow to all other systems. This helps reduce multiple requests for the same information and eliminates possible re-keying errors. Prudential IDM combines absence information from various systems into a data warehouse. You get access to complete information about every claim, regardless of type, and greater flexibility in reporting. Prudential IDM reports give you the information you need, when you need it.
7 Build on The Rock. Make the move to Prudential IDM, the integrated disability and absence management program that gives you the knowledge you need to cut costs and increase productivity. With innovative products and leading-edge technology, Prudential IDM can help you make the most of your workforce. Contact your broker or Prudential group insurance sales representative today to find out how you can add Prudential IDM to your employee benefits plan. * Not all provisions are applicable to Short Term Disability plans. Not all provisions are available in all states. Actual contract language may vary depending on state requirements and the plan benefits chosen.
8 Prudential IDM is a service program offered by The Prudential Insurance Company of America. Absence management services are provided by GatesMcDonald. In the event that a client wishes to use another third party vendor, Prudential will work to accommodate this request. Any insured group Short Term or Long Term Disability products, which may be subject to Prudential s IDM program, will be issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ This brochure is intended to be a summary of benefits and does not include all policy provisions, exclusions, and limitations. A Booklet-Certificate, with complete information, including limitations and exclusions, will be provided. If there is a discrepancy between this document and the Booklet-Certificate issued by Prudential, the terms of the Booklet-Certificate will govern. Contract Series: This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company. The Prudential Insurance Company of America does not underwrite commercial workers compensation plans. Some services may be provided directly to the customer pursuant to a separate agreement with GatesMcDonald or another third party vendor.
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