Disability RMS developed our first relationship with a worksite carrier in 1996 and quickly recognized the growth potential for marketing voluntary products through a worksite distribution. Since then, we have assisted countless clients in the development of worksite disability products, ultimately helping them to achieve and exceed their corporate sales objectives.
Our worksite product portfolio includes:

• Short-Term Disability
• Long-Term Disability
• Intermediate-Term Disability
• Disability for Catastrophic Accidents and Sickness
• Supplemental Benefits to True Group Disability Policies

Disability RMS works with each client to develop a unique, customized worksite disability product. We achieve continued success by focusing on our core disability knowledge and remaining loyal to the following principles:

• Development of a rating basis that steers underwriters and sales people to the most profitable disability segments and plan designs.
• Underwriting guidelines that are flexible but stress reasonable replacement of earnings.
• Focus on forecasting to identify which segments are the future winners and which are the future losers.
• A claim management philosophy that recognizes the importance of work and income in people's lives. We focus on returning employees to work whenever possible and providing income replacement for those who are unable to work.

Our impressive blend of in-depth reinsurance and direct-side long-term disability experience gives Disability RMS the unique ability to consider a multitude of different perspectives as we work in partnership with our clients.