Return to work among employees on long term sickness absence due to common mental disorders
|
|
- Dwayne Preston Johns
- 6 years ago
- Views:
Transcription
1 Return to work among employees on long term sickness absence due to common mental disorders Maj Britt Dahl Nielsen, Malene Amby, Ute Bültmann & Reiner Rugulies
2 PIWA - Psychological wellbeing and work The National Research Centre for the Working Environment
3 Program Sickness absence and return to work in a Danish context About the PhD study Results from the baseline questionnaire Characteristics of participants Depressive symptoms Social support from co-workers and supervisor
4 Common Mental Disorders Self-reported clinical mental health problems (depression/anxiety) Reduced functioning and wellbeing (stress/burnout)
5 Issues regarding common mental health problems Unclear diagnosis Uncertain prognosis Limited of knowledge on treatment Stigma Employees on long term sickness absence due to common mental disorder less often return to the old employer compared to other diagnosis (Høgelund,2003)
6 Purpose of the PhD. project To understand and explain what factors hinders or facilitates return to work Including aspects of. Changes in health Changes in work role functioning Environmental factors Personal factors
7 The Danish flexicurity model Flexibility for the employers in Denmark: Employers can easily hire and dismiss people Social Security for the employees: Employees can receive different kinds of social benefits if they get fired or otherwise is unable to work The state bear the financial burden of social benefits
8 Sickness benefit compensation 1st.Day of absence 15th.day of absence The employer is obliged to give sickness compensation The employer can apply for reimbursement from the municipality
9 Municipalities has legal obligations to secure RTW 1) Municipality receives the application for reimbursement 2) Municipality sends an evaluation form to the employee 3) Municipality receives the evaluation form the employee 4) A social worker conduct a personal interview with the employee At latest after 4 weeks of absence Returned by the employee after 8 days At latest after 8 weeks of absence
10 Trust.and lack of diagnoses The employer has the right to obtain a sickness notification from the general practitioner after 5 days of absence or a declaration of absence from the employee The social workers in the municipality can receive advice from medical doctors
11 Study design 1) A longitudinal survey with 6 month follow-up 2) Qualitative interviews with 20 women
12 Inclusion and exclusion Inclusion Employee On sickness benefit compensation Off sick for at least 4-12 weeks Self-reported CMD at least part of the reason for absence Exclusion Alcohol or substance abuse Personality disorders Manio-depression Self-employed
13 Data collection (1) From June January 2008 we identified all employees on long term sickness absence due to self-reported CMD Data was collected via evaluation forms and applications for reimbursement We gathered information on age, gender, occupation, expected date for RTW
14 Data-collection (2) Employees in the Greater Copenhagen Area All employees on long term sickness absence 250 cases per week Employees on sickness absence due to CMD N=731 Participants N=301
15 Characteristics of participants and employees on sickness absence due to CMD in the Greater Copenhagen Area Employees on long term sickness absence due to CMD (N=731) 70 % female Mean age 41 Participants : (N=301) 79 % female Mean age 40 (21-62)
16 Themes - baseline questionnaire Mental health problems Self-rated health Work-role-functioning Perceptions of causes about the disease Social support Expectation and wishes of RTW Job accommodation Treatment
17 Employment status at baseline 83 % of respondents were employed full time 90 % of respondents were off-sick full time 10 % already quit their job 10 % were dismissed from their job
18 Vocational education % None below 3 years years More than 4 years
19 Workplace ,5 % ,5 Public Private Other
20 Self-reported reasons for being on sickness absence % Stress Depression Burnout Anxiety Fatigue Other
21 Perceptions of contributing factors related to sickness absenteeism 83 % reported work related factors 37 % reported private conditions
22 Depressive symptoms DSM-IV % ,5 41,4 3,3 No depression Major depression Danish population (major depression)
23 Treatment 68 % had consulted either a psychologist or a psychiatrist within the last 3 months 42 % was offered counselling by their work place 35 % took some kind of antidepressant medication
24 Social support from employer and coworkers 69 % felt that co-workers wanted them to RTW 58 % felt the supervisor wanted them to RTW 13 % felt that the supervisor pressured them to RTW 27 % were afraid of loosing their job if not returning soon 56 % wished to return to their old employer
25 work in progress 2008 February March April May The follow-up questionnaire The qualitative in-depth interviews
26 Thank you Contact information Maj Britt Dahl Nielsen National Research Centre for the Working Environment, Denmark Homepage PIWA research group: A copy of this presentation can be found at
MoDOT & Patrol Employees Retirement System MPERS Disability Benefits Claim Packet Instructions
Claim Packet Instructions PLEASE READ CAREFULLY Your application for benefits consists of four forms. Every space on these forms should be filled in to avoid delay in processing your application. If a
More informationFINANCIAL SERVICES COUNCIL UNDERWRITING GUIDELINES
FINANCIAL SERVICES COUNCIL UNDERWRITING GUIDELINES UNDERWRITING GUIDELINES FOR MENTAL HEALTH CONDITIONS FSC Guidance te. 15 September 2003 TABLE OF CONTENTS Paragraph Page Introduction 1 2 Insurer Basics
More informationYOUR BENEFIT PROGRAM TAYLOR CORPORATION. Full-time Employees. Salary Continuation
YOUR BENEFIT PROGRAM TAYLOR CORPORATION Full-time Employees Salary Continuation EMPLOYER: TAYLOR CORPORATION PROGRAM NUMBER: ASO-702684 PROGRAM EFECTIVE DATE: May 1, 2008 The benefits described herein
More informationStill Waters Counseling, Consulting, and Psychological Services Initial Contact Information Sheet Testing
Initial Contact Information Sheet Testing Name: DOB: Date of Contact: Home Address: Phone numbers / Leave message? : Method for Reminder Messages: Phone: E-mail: Emergency Contact: Name of person Phone
More informationYOUR BENEFIT PROGRAM. For Exempt Staff. Short Term Income Replacement
YOUR BENEFIT PROGRAM For Exempt Staff Short Term Income Replacement EMPLOYER: UNIVERSITY OF NOTRE DAME DU LAC PROGRAM: STIR Exempt PROGRAM EFECTIVE DATE: July 1, 2016 THE INCOME REPLACEMENT PROGRAM DESCRIBED
More informationSALARIED DISABILITY PLAN QUICK FACTS AND QUICK LINKS
SALARIED DISABILITY PLAN QUICK FACTS AND QUICK LINKS Your Salaried Disability Coverage 1 Short-term Disability 2 Long-term Disability A Quick Look at the Disability Plans Salaried associates automatically
More informationYOUR BENEFIT PLAN THE RECTOR AND VISITORS OF THE UNIVERSITY OF VIRGINIA EMPLOYER: THE RECTOR AND VISITORS OF THE UNIVERSITY OF VIRGINIA PLAN
YOUR BENEFIT PLAN THE RECTOR AND VISITORS OF THE UNIVERSITY OF VIRGINIA EMPLOYER: THE RECTOR AND VISITORS OF THE UNIVERSITY OF VIRGINIA PLAN NUMBER: 934202 PLAN EFFECTIVE DATE: January 1, 2016 BENEFITS
More informationOmbudsman s Determination
Ombudsman s Determination Applicant Scheme Respondents Mrs L Asda Group Pension Scheme (the Scheme) The Trustees of the Scheme (the Trustees) Outcome 1. I do not uphold Mrs L s complaint and no further
More informationNoteworthy Decision Summary. Decision: WCAT RB Panel: Randy Lane Decision Date: November 25, 2003
Noteworthy Decision Summary Decision: WCAT 2003-03729-RB Panel: Randy Lane Decision Date: November 25, 2003 Causation Causative significance - Whether employment was of causative significance with regard
More informationRadiology Residents and Fellows - Disability Insurance offer
Radiology Residents and Fellows - Disability Insurance offer As a Radiology resident, you are eligible to enroll for up to $4,500 per month ($8,500 for fellows) of individually owned disability insurance
More informationKeeping the Boom(ers) in the Labour Market: Can Existing Workplace Policies and Accommodations make a Difference?
Keeping the Boom(ers) in the Labour Market: Can Existing Workplace Policies and Accommodations make a Difference? Monique A.M. Gignac, PhD Associate Scientific Director & Senior Scientist EI Network Meeting,
More informationThe Long Term Disability Benefits application includes claim forms and an Authorization.
Long Term Disability Benefits Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for Long Term Disability benefits. Every space on these forms should
More informationLong-Term Disability Income Benefit. Employee s Statement
Long-Term Disability Income Benefit Employee s Statement Employee s Statement Long Term Disability Income Benefits This guide explains how to apply for Long Term Disability benefits. It contains the form
More informationIn addition there are several aspects of your disability claim that you should be aware of:
Dear Colleague: American Airlines has partnered with Harvey Watt and Company as the Claim Administrator for the Pilot Long Term Disability Plan (the Plan). We have enclosed the Claim Application along
More informationGROUP DISABILITY INCOME POLICY
GROUP DISABILITY INCOME POLICY Sponsor: Policy Number: Colliers International USA, LLC. GD/GF3-860-066650-01 Effective Date: January 1, 2015 Governing Jurisdiction is Washington and subject to the laws
More informationRejection of claim - did not meet policy definition of disability LEGALLY BINDING DECISION OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN
Decision Ref: 2018-0003 Sector: Product / Service: Conduct(s) complained of: Insurance Income Protection and Permanent Health Rejection of claim - did not meet policy definition of disability Outcome:
More informationMunicipal Employees Retirement System of Michigan Disability Claim Packet Instructions
Disability Claim Packet Instructions PLEASE READ CAREFULLY Your application for benefits consists of four forms. Every space on these forms should be filled in to avoid delay in processing your application.
More informationPrepared for: Socorro Independent School District
Offered by Life Insurance Company of North America (a Cigna company) Employee-Paid LONG-TERM DISABILITY INSURANCE POLICY Prepared for: Socorro Independent School District SUMMARY OF BENEFITS If you had
More informationLong Term Disability, Life, Supplemental Life and Supplemental Dependent Life GROUP BENEFIT PLAN
Long Term Disability, Life, Supplemental Life and Supplemental Dependent Life GROUP BENEFIT PLAN TABLE OF CONTENTS Group Long Term Disability Benefits PAGE CERTIFICATE OF INSURANCE... 2 SCHEDULE OF INSURANCE...
More informationYOUR BENEFIT PLAN DIOCESE OF ST. PETERSBURG, INC. Short Term Disability
YOUR BENEFIT PLAN DIOCESE OF ST. PETERSBURG, INC. Short Term Disability EMPLOYER: DIOCESE OF ST. PETERSBURG, INC. PLAN NUMBER: GRH-697050 PLAN EFFECTIVE DATE: July 1, 2014 BENEFITS UNDER THE GROUP SHORT
More informationFull-Time Hourly Disability Quick Facts and Quick Links Guam Salaried & Full-Time Hourly Associates
Full-Time Hourly Disability Quick Facts and Quick Links Guam Salaried & Full-Time Hourly Associates Your Full-Time Hourly Disability Options 1 Short-term Disability 2 Long-term Disability A Quick Look
More informationFINANCIAL SERVICES COUNCIL CLAIMS GUIDELINES
FINANCIAL SERVICES COUNCIL CLAIMS GUIDELINES CLAIMS GUIDELINES FOR MENTAL HEALTH CONDITIONS FSC Guidance Note No. 14 September 2003 TABLE OF CONTENTS Paragraph Page Introduction 1 2 Insurer Basics 2 2
More informationThe Workers Advisers Office (WAO)
The Workers Advisers Office (WAO) This factsheet has been prepared for general information purposes. It is not a legal document. Please refer to the Workers Compensation Act and the Rehabilitation Services
More informationOmbudsman s Determination
PO-4834 Ombudsman s Determination Applicant Mr E Pratt Scheme Armed Forces Pension Scheme 1975 (AFPS 75) Respondent(s) Veterans UK Complaint summary Mr Pratt has complained that his application for the
More informationLATE CAREER TRANSITIONS: RETIREMENT AND WELL-BEING
LATE CAREER TRANSITIONS: RETIREMENT AND WELL-BEING Marianna Virtanen Research Professor Academy of Finland Research Fellow marianna.virtanen@ttl.fi Theoretical perspectives to retirement transition Role
More informationJanuary Contacts Josh Fear, Mental Health Council of Australia
Submission by the Mental Health Council of Australia and beyondblue to the Senate Inquiry into the Exposure Draft of the Human Rights and Anti- Discrimination Bill 2012 January 2013 Contacts Josh Fear,
More informationSHORT TERM DISABILITY CLAIM
Packet Instructions AIG Life Insurance Company* Wilmington, Delaware Delaware American Life Insurance Company* Wilmington, Delaware Member companies of American International Group, Inc. Administrative
More informationAdult Intake Questionnaire
Psychological and Life Skills Associates, PC 13885 Hedgewood Drive, Suite 245, Woodbridge, VA 22193 2217 Princess Anne Street, Suite B1, Fredericksburg, VA 22401 (703) 490-0336 Adult Intake Questionnaire
More informationFor financial broker use only. Group Income Protection. Protecting what matters. Retirement Investment Insurance
For financial broker use only. Group Income Protection Protecting what matters Retirement Investment Insurance Contents Protecting the things that matter 2 Why Group Income Protection from Aviva is great
More informationDisability Coverage. Disability benefits help protect your income if you have an illness or injury that keeps you from working.
Disability Coverage Disability benefits help protect your income if you have an illness or injury that keeps you from working. Plan Highlights If you enroll in the voluntary STD benefit, you will be eligible
More informationABC Company LTD Sample- Full-time
ABC Company LTD Sample- Full-time Summary of Long-Term Disability (LTD) Benefits Benefit Election Period: 09/04/2016 to 09/17/2016 Coverage Effective Date: 01/01/2017 Your Group Long-Term Disability Benefits
More informationLIMITED BENEFIT PLEASE READ CAREFULLY
CERTIFICATE OF COVERAGE The Guardian Life Insurance Company of America 7 Hanover Square New York, New York 10004 The group long term disability income coverage described in this Certificate is attached
More informationAvnet Inc. Long Term Disability Plan April 1, 2013
Avnet Inc. Long Term Disability Plan April 1, 2013 DISCLAIMER Sponsor: Policy Number(s): Avnet Inc. GF3-860-066398-01 Date Provided: May 15, 2014 The following certificate(s) are a true copy of the certificate(s)
More informationPatrick A. Quigley, Ph.D., LSAC
Psychologist Patrick A. Quigley, Ph.D., LSAC Addiction Counselor Thank you for considering my services. The material on this site will take you through the intake paperwork that you will need to bring
More informationSHORT TERM DISABILITY - APPLICATION
SHORT TERM DISABILITY - APPLICATION Labourers Union Local 506 (Industrial Division) Employee Benefit Trust Fund Policy No.: 164022 Short Term Disability Application Important Information If you become
More informationSUN LIFE ASSURANCE COMPANY OF CANADA
SUN LIFE ASSURANCE COMPANY OF CANADA Policyholder: Simpson College Policy Number: 64067 Policy Effective Date: January 1, 2006 Policy Anniversary: July 1, 2007 Policy Amendment Effective Date: May 1, 2009
More informationMaricopa County Group Short-Term Disability Plan Description
Maricopa County Group Short-Term Disability Plan Description Effective July 1, 2011 Revision 03/14/11 TABLE OF CONTENTS PLAN DESCRIPTION 3 What is short-term disability (STD)? 3 Who is eligible to purchase
More informationOklahoma State University
Oklahoma State University January 1, 2017 DISCLAIMER Sponsor: Policy Number(s): Oklahoma State University Agricultural & Mechanical Colleges (OSU/A&M) GF3-850-291860-01 Date Provided: May 2, 2017 The
More informationYOUR GROUP MONTHLY DISABILITY INCOME INSURANCE PLAN
YOUR GROUP MONTHLY DISABILITY INCOME INSURANCE PLAN For Employees of Taylor Corporation and Participating Affiliates, Divisions and Subsidiaries All Eligible Employees 6CC000 B-18022 (03-18) GROUP LONG
More informationWorkers Compensation Board Coverage
Workers Compensation Board Coverage About the WCB - Alberta A not-for-profit disability insurance system set up under the Alberta WC ACT WCB Alberta is not a Government Department or Crown Corporation
More informationThe Long Term Disability Benefits application includes claim forms and an Authorization.
Long Term Disability Benefits Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for Long Term Disability benefits. Every space on these forms should
More informationYOUR BENEFIT PLAN. STRYKER CORPORATION All Active Full-time and Part-time Exempt Employees. Short Term Disability
YOUR BENEFIT PLAN STRYKER CORPORATION All Active Full-time and Part-time Exempt Employees Short Term Disability EMPLOYER: STRYKER CORPORATION PLAN NUMBER: GRH-071674 PLAN EFFECTIVE DATE: January 1, 2006
More informationYOUR GROUP LONG TERM DISABILITY PLAN
YOUR GROUP LONG TERM DISABILITY PLAN For Employees of University of Alaska 6CC000 GROUP LONG TERM DISABILITY INCOME INSURANCE CERTIFICATE OF COVERAGE RELIASTAR LIFE INSURANCE COMPANY 20 Washington Avenue
More informationThe Long Term Disability Benefits application includes claim forms and an Authorization.
Long Term Disability Benefits Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for Long Term Disability benefits. Every space on these forms should
More informationThe Workplace: a Key Setting to Fight Chronic Disease in Emerging Countries. Alberto Ogata -BRAZIL
The Workplace: a Key Setting to Fight Chronic Disease in Emerging Countries Alberto Ogata -BRAZIL BRAZIL A developing country BRAZIL WORLD Own a cell phone 100% 77% Live in urban area 84% 51% Are between
More informationPUBLIC HEALTH PROGRAMME GUIDANCE SCOPE
NATIONAL INSTITUTE FOR HEALTH AND CLINICAL EXCELLENCE PUBLIC HEALTH PROGRAMME GUIDANCE SCOPE 1 Guidance title Guidance for primary care services and employers on the management of long-term sickness and
More informationDisability Insurance Claim Packet Instructions. Your Disability Benefit Claim. The Standard Benefit Administrators. How To Apply For Benefits
Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for disability benefits. It also addresses common questions about Disability claims. Please save
More informationGROUP BENEFIT PLAN NORTH AMERICAN DIVISION OF SEVENTH-DAY ADVENTISTS
GROUP BENEFIT PLAN NORTH AMERICAN DIVISION OF SEVENTH-DAY ADVENTISTS Long Term Disability TABLE OF CONTENTS Group Long Term Disability Benefits PAGE CERTIFICATE OF INSURANCE... 2 SCHEDULE OF INSURANCE...
More informationOur commitment is to ensure every claim that should be paid, is paid
Our commitment is to ensure every claim that should be paid, is paid FOR ADVISERS March 2015 Life s better with the right partner 2 Claims brochure You can tell a lot about an insurance company by the
More informationOmbudsman s Determination
Ombudsman s Determination Applicant Scheme Respondents Mr S Railways Pension Scheme (RPS) Railways Pension Trustee Company Limited (the Trustee) Arriva Trains Wales Section Pensions Committee (the Committee)
More informationAssociation of Insurance Professionals. Your Group Long Term Disability Plan
Association of Insurance Professionals Your Group Long Term Disability Plan Policy No. 585686 011 Underwritten by Unum Life Insurance Company of America 8/15/2008 CERTIFICATE OF COVERAGE Unum Life Insurance
More informationEligibility Requirements Policy # Group Policy Effective Date is January 1, 2011 Employee. Benefit Amount Benefit Percentage
Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit
More informationAssisting the disadvantaged groups Statements and Comments. Introduction. 1. Context and background ESTONIA
Assisting the disadvantaged groups Statements and Comments Kaia Philips University of Tartu, Institute of Economics Introduction In 2004, the Estonian Ministry of Social Affairs, in cooperation with various
More informationINCOME PROTECTION GUIDE
INCOME PROTECTION GUIDE OLD MUTUAL GROUP ASSURANCE PRODUCTS FOR THE EMPLOYEE This guide consists of 2 sections: 1. Your To Do List on pages 2 & 3 2. Detailed Guidelines on page 4 to 6 Follow these steps
More informationThe Salvation Army Disability Insurance Claim Packet Instructions. Your Disability Benefit Claim. How To Apply For Benefits
Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for disability benefits. It also addresses common questions about Disability claims. Please save
More informationName: last First middle Address: street city state zip code Mailing Address: ( if different) street city state zip code
0 Mental Health Resources, PC (540) 899-9826 Fax (540) 373-3913 Date (or effective date of change) Patient Information DO NOT COMPLETE THIS FORM UNTIL YOU HAVE A CONFIRMED APPOINTMENT. Patient Information
More informationRegulating Workplace Behaviour: Bill 14 LGMA June 12, Adriana F. Wills
Regulating Workplace Behaviour: Bill 14 LGMA 2013 June 12, 2013 Adriana F. Wills Agenda Criteria for compensation (historical) Current criteria Adjudication/Rehab Process Experience to date Workplace Bullying
More informationCERTIFICATE OF COVERAGE
CERTIFICATE OF COVERAGE Unum Life Insurance Company of America (referred to as Unum) welcomes you as a client. This is your certificate of coverage as long as you are eligible for coverage and you become
More informationLong Term Disability Income Benefit. Employee s Guide
Long Term Disability Income Benefit Employee s Guide Long Term Disability Income Benefits This guide explains how to apply for Long Term Disability benefits. It contains the form you must complete to notify
More informationCERTIFICATE OF COVERAGE
CERTIFICATE OF COVERAGE Unum Life Insurance Company of America (referred to as Unum) welcomes you as a client. This is your certificate of coverage as long as you are eligible for coverage and you become
More informationPERMANENT TOTAL DISABILITY ACCIDENT
PERMANENT TOTAL DISABILITY ACCIDENT Labourers Union Local 506 (Industrial Division) Employee Benefit Trust Fund Policy No.: SG10395005 Labourers' Union Local 506 (Industrial Division) Employee Benefit
More informationANZ WEALTH LATEST RESEARCH IMPACT OF DEATH ON PARENTS AND CHILDREN
ANZ WEALTH LATEST RESEARCH IMPACT OF DEATH ON PARENTS AND CHILDREN KEY STUDY Risk advisers often speak about the need for financial protection using what if scenarios to get their clients thinking about
More informationAccident Benefits Claim Instructions
Claim Instructions Your Accident Benefit Claim This packet contains the forms necessary to apply for. Every space on these forms should be filled in to avoid delay in processing your application. If a
More informationBenefits. Long-Term Disability KPERS. Kansas Public Employees Retirement System. Summary Plan Description GLD 2006
Long-Term Disability Benefits Kansas Public Employees Retirement System Summary Plan Description GLD 2006 KPERS 2 Plan Sponsor Kansas Public Employees Retirement System 611 S. Kansas Ave., Suite 100 Topeka,
More informationSUN LIFE ASSURANCE COMPANY OF CANADA
SUN LIFE ASSURANCE COMPANY OF CANADA Policyholder: Macalester College Policy Number: 201360-001 Policy Effective Date: January 1, 2010 Policy Anniversary: January 1, 2011 Policy Amendment Effective Date:
More informationYOUR GROUP LONG TERM DISABILITY INSURANCE PLAN
YOUR GROUP LONG TERM DISABILITY INSURANCE PLAN For Employees of North American Division of Seventh-day Adventists Non-COLA 6CC000 B-13813 01-18 GROUP LONG TERM DISABILITY INCOME INSURANCE CERTIFICATE OF
More informationSUN LIFE ASSURANCE COMPANY OF CANADA
SUN LIFE ASSURANCE COMPANY OF CANADA Policyholder: Sarasota County Government Policy Number: 28759-001 Policy Effective Date: January 1, 1997 Policy Anniversary: January 1, 1998 Policy Amendment Effective
More informationBowling Green State University. Your Group Long Term Disability Plan
Bowling Green State University Your Group Long Term Disability Plan Policy No. 225377 031 Underwritten by Unum Life Insurance Company of America 12/22/2011 CERTIFICATE OF COVERAGE Unum Life Insurance
More informationQUICKGUIDE. - Your overview. In safe hands
QUICKGUIDE - Your overview In safe hands About the health insurance List of contents General...3 Physical therapy...5 Psychologist treatment...7 Specialist treatment...9 Other care and treatment... 10
More informationCalifornia State Firefighters Employee Welfare Benefits Corporation (CSFA) Long Term Disability Benefits Instructions
Instructions Note: Standard Insurance Company (The Standard) is acting only in an administrative capacity. The ultimate financial responsibility for payment or non-payment of claims is with. PLEASE READ
More informationThe Long Term Disability Benefits application includes claim forms and an Authorization.
Long Term Disability Benefits Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for Long Term Disability benefits. Every space on these forms should
More informationYOUR BENEFIT PLAN. Salaried Exempt Employees. Short Term Disability
YOUR BENEFIT PLAN Salaried Exempt Employees Short Term Disability EMPLOYER: SPRINGS WINDOW FASHIONS, LLC PLAN NUMBER: GRH-072063 PLAN EFFECTIVE DATE: January 1, 2015 BENEFITS UNDER THE GROUP SHORT TERM
More informationSCHEDULE 2 EMPLOYERS GROUP
SCHEDULE 2 EMPLOYERS GROUP July 7, 2017 Consultation Secretariat Workplace Safety & Insurance Board 200 Front Street West Toronto ON M5V 3J1 Via Email Re: Chronic Mental Stress ( CMS ) Policy Consultation
More informationSUMMARY. Stress, mental; Board Directives and Guidelines (psychotraumatic disability); Board policies (applicability of Board policy).
SUMMARY DECISION NO. 25/98I Stress, mental; Board Directives and Guidelines (psychotraumatic disability); Board policies (applicability of Board policy). The worker appealed a decision of the Appeals Officer
More informationSchleich Enterprises, Inc. Your Group Long Term Disability Plan
Schleich Enterprises, Inc Your Group Long Term Disability Plan Policy No. 143532 021 Underwritten by Unum Life Insurance Company of America 2/3/2011 CERTIFICATE OF COVERAGE Unum Life Insurance Company
More informationWashtenaw Intermediate School District. Your Group Long Term Disability Plan
Washtenaw Intermediate School District Your Group Long Term Disability Plan Policy No. 411140 012 Underwritten by Unum Life Insurance Company of America 2/5/2016 CERTIFICATE OF COVERAGE Unum Life Insurance
More informationShort Term Disability
Short Term Disability YOUR BENEFIT PLAN BB&T CORPORATION Short Term Disability EMPLOYER: BB&T CORPORATION PLAN NUMBER: GRH-071407 PLAN EFFECTIVE DATE: January 1, 2004 BENEFITS UNDER THE GROUP SHORT TERM
More informationIll-health Retirement - Medical Information Form
Date of receipt: Ill-health Retirement - Medical Information Form Please complete this form using black ink and in BLOCK CAPITALS. Part A: To be completed by the applicant or their representative in all
More informationBJC HEALTHCARE (the Policyholder)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF BJC HEALTHCARE (the Policyholder) Group
More informationLewis Drugs, Inc. Your Group Long Term Disability Plan
Lewis Drugs, Inc. Your Group Long Term Disability Plan Policy No. 535795 011 Underwritten by Unum Life Insurance Company of America 1/28/2016 CERTIFICATE OF COVERAGE Unum Life Insurance Company of America
More informationThe Danish Model. Reforms and Flexicurity. Hanne Jørgensen Manager Jobcenter Gentofte
The Danish Model Reforms and Flexicurity Hanne Jørgensen Manager Jobcenter Gentofte Population 5.6 million 16-66: 3.8 million Labour force: 2.9 million Employed: 2,792,000 Key figures on national level
More informationIndividual Income Protection Insurance Certificate SC
Individual Income Protection Insurance Certificate SC3342014199 1 Contents Introduction Schedule Section 1 Fixed Period Income Protection Insurance Section 2 Disputes, Complaints and Data Protection Section
More informationOccupational Accident Claim Filing Instructions
Occupational Accident Claim Filing Instructions In addition to the Occupational Accident Report of Injury claim forms please provide the following information. Failure to submit all of the requested information
More informationExpanded Long Term Disability Insurance
California Association of Professional Scientists Expanded Long Term Disability Insurance California Association of Professional Scientists STANDARD INSURANCE COMPANY CAPS is proud to offer our members
More informationThe Tennessee Board of Regents
The Tennessee Board of Regents Exempt Employees Long Term Disability Coverage Benefit Highlights LONG TERM DISABILITY PLAN This long term disability plan provides financial protection for you by paying
More informationEmory University. Your Group Long Term Disability Plan
Emory University Your Group Long Term Disability Plan Policy No. 405331 011 Underwritten by Unum Life Insurance Company of America 5/11/2017 CERTIFICATE OF COVERAGE Unum Life Insurance Company of America
More informationLong Term Disability Benefits
Long Term Disability Benefits Understanding Your Coverage What are Long Term Disability (LTD) benefits? Long Term Disability insurance is part of your Employer s group benefits plan. If you become unable
More informationSummary of Benefits SUNRUN, INC.
Summary of Benefits SUNRUN, INC. US Active Full Time Employees Basic Term Life, Basic Accidental Death & Dismemberment, Optional Term Life, Dependent Term Life, Optional Accidental Death & Dismemberment,
More informationVoluntary Benefits Disability Income Claim Form Claimant Initial Statement of Disability
Amalgamated Life Insurance Company Disability Benefits Claim Department P.O. Box 5453, White Plains, NY 10602-5453 Toll-Free: 1-866-975-4089 / Fax: 1-914-367-4114 Voluntary Benefits Disability Income Claim
More informationVoluntary Disability Benefits
Voluntary Disability Benefits Enclosed you will find a disability packet that will provide information to assist you in filing for disability benefits through The Claremont Colleges Voluntary Disability
More informationPolice Superintendents Personal Resilience Survey 2016 Joint survey of the members of PSAEW, ASPS and SANI
Police Superintendents Personal Resilience Survey 2016 Joint survey of the members of PSAEW, ASPS and SANI Summary of overall results March 2017 Emma Donaldson-Feilder and Kate Godfree Affinity Health
More informationNOVA SCOTIA WORKERS COMPENSATION APPEALS TRIBUNAL
NOVA SCOTIA WORKERS COMPENSATION APPEALS TRIBUNAL Appellant: [X] (Worker) Participants entitled to respond to this appeal: [X] (Employer) and The Workers Compensation Board of Nova Scotia (Board) APPEAL
More informationTHIS IS A SUMMARY PLAN DESCRIPTION FOR THE SYNOPSYS, INC. SHORT TERM DISABILITY PLAN
THIS IS A SUMMARY PLAN DESCRIPTION FOR THE SYNOPSYS, INC. SHORT TERM DISABILITY PLAN. UNLESS OTHERWISE STATED, THE PROVISIONS OF THIS SUMMARY APPLY TO DISABILITIES AND PAID FAMILY LEAVES BEGINNING ON OR
More informationWINTHROP UNIVERSITY SICK LEAVE POLICY
WINTHROP UNIVERSITY SICK LEAVE POLICY THIS DOCUMENT IS NOT A CONTRACT BETWEEN EMPLOYEES AND WINTHROP UNIVERSITY, EITHER EXPRESSED OR IMPLIED. THIS DOCUMENT DOES NOT CREATE ANY CONTRACTUAL RIGHTS OR ENTITLEMENTS.
More informationShort-term Disability Claim Form Instructions
Short-term Disability Claim Form Instructions EPIC s Short Term Disability Claim Form has three sections you (the employee), your employer, and your attending physician(s) must each complete your corresponding
More informationGroup Benefits Employer Statement Short Term Group Disability Claim for Non-union Employees of Canadian Pacific
Group Benefits Employer Statement Short Term Group Disability Claim for n-union Employees of Canadian Pacific To be completed by the employer. Please provide the following information so that we may communicate
More informationSection 5 MEMBER SPOUSE In the last 2 years have you or your Spouse been unable to perform the full-time duties of your occupation for 10 consecutive
HARTFORD LIFE INSURANCE COMPANY Hartford, Connecticut 06155 National Active and Retired Federal Employees Association AGL-1545 Spouse's Name: (First, Middle Initial, Last), if applying Section 4 Amount
More informationDate employed (mo/day/yr)
Minnesota Life Insurance Company - A Securian Company 600 Congress Avenue Suite 2160 Austin, T 78701 For claim information: FC 22 abc Please return this completed form to Minnesota Life at the above address.
More informationUnion College. Core plan: Employees whose annual Earnings is less than $180,000. Long Term Disability Coverage
Union College Core plan: Employees whose annual Earnings is less than $180,000 Long Term Disability Coverage Benefit Highlights LONG TERM DISABILITY PLAN This long term disability plan provides financial
More informationSimple Income Insurance Policy Summary
Simple Income Insurance Policy Summary ABOUT THIS DOCUMENT: Please note that this policy summary does not contain the full terms and conditions of the contract of insurance; so please take time to read
More information