At TPCM we can provide peace of mind at your company with the following services.

Disability Claims Management including:

• Income Protection Insurance Claim Processing
• Permanent Total Disability Claim Processing
• Critical Illness Cover Claim Processing
• Waiver of Premium Claim Processing
• Claims and Compliance auditing.

Why is Disability Claims Management necessary?

• Disability claim costs remain a heavy burden for insurers, especially long-term claims at a time when there is a need to control costs.
• Poor claims management has become the norm—’administered rather than managed’.
• There is a growing recognition of the benefits of effective claims management , both from the company’s and the claimant’s perspectives.
• A shortage of experienced claims assessors and lack of opportunities for those seeking flexible work has meant that in lots of cases claims are not being managed well.
• Senior managers, as part of their responsibilities under N2, need to take a closer interest as the human and financial costs of disability claims are gaining a higher profile.
• Genuine claimants quite rightly expect and demand a professional service, whilst dishonest claimants are getting smarter.
• Regulators and Ombudsmen will not tolerate poor performance.
• Effective claims management requires access to a wide variety of services and the ability to manage those services effectively to benefit everyone concerned.

So, What does TPCM offer?

We established TPCM specifically in response to the above background feeling that an independent organisation can concentrate on these issues using a network of highly experienced claims assessors together with our alliance with strategic partners providing the highest level of legal investigative, marketing and Chief Medical Officer (CMO) skills.

• Independent and impartial auditing both on a technical or procedural basis of your disability portfolio.
• A recommended action plan for improving the performance together with a systematic follow-up program ensuring agreed recommendations have been implemented.
• Pre-admittance cases assessment with experienced disability assessors in the timescale that you need.
• An independent review team looking at those ‘difficult’ claims with a view to either instigating further investigations or recommending commutable values.
• Expert abilities should you be involved in litigation.