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Should rehabilitation services kick in earlier on income protection products? Could this help the industry to manage rehabilitation and claims more effectively?

Market views Mike Williams, Watson Wyatt Timely intervention in potential long-term employee absence/ incapacity is a key component of successful rehabilitation. Income protection (IP) insurers already provide varying levels of rehabilitation, together with requirements for potential claimants to notify them within set timescales from the advent of incapacity. It is in everyone's interest for an employee to return to work as soon as possible, whether the employer or the individual provides the IP. Success, however, is also influenced by the employer's sickness absence po...

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