My consultant is recommending an “integrated” approach of consolidating my STD and FMLA services with my LTD carrier. Does this make sense?
Yes. However, this integration is more on paper than in practice.

Few if any companies, including the very large LTD carriers, do the entire process at one location. Some even farm out FMLA to a different company in a different state. And virtually none of the large carriers handle both work AND no-work related medical leaves in the same location.

Work & Well not only handles all leaves in the same location, but in most cases, all leaves are handled by the same medical personnel. That’s true integration.


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