At Principal Life Insurance Company, we firmly believe disability coverage shouldn't just emphasize income replacement but should also focus on appropriate treatment, rehabilitation and the ability to return to work.
We offer a full-service Return-To-Work program including job analysis and modification, skills assessment, on-site visits, labor market search, job placement services, vocational evaluation and counseling.
Principal Life approaches disability management as a collaborative effort, requiring teamwork with all involved parties, including:
- Claims staff
- Registered nurses
- Vocational consultants
Principal Life was one of the first companies to introduce comprehensive disability claims management over 25 years ago. As a recognized leader in the disability insurance marketplace, we are committed to providing employers with high-performing, flexible and competitively priced disability products and services. Our focus is to help individuals with disabilities effectively return to work and resume productive, fulfilling lives as quickly as possible.
Our nurse and vocational consultants provide early support by bringing strong clinical expertise and extensive vocational and rehabilitation resources to a claim situation. We know that with appropriate support early in a disability, employees can focus on their abilities, which may help them overcome their challenges and provides a higher expectation for returning to work.
Key elements to our Return-To-Work program's success are:
- Early intervention with quick identification of claims requiring special handling
- Integrated claims management
- Use of physicians, registered nurses and vocational consultants
- Cost-effective claim management
- Returning workers to the same employers
This is an overview of disability coverage offered by Principal Life. It is not an insurance contract or a complete statement of the rights, benefits, limitations or exclusions of the coverage described here.
EC 3857A - 12/2011
Content Last Updated: 12/12/2011