Products
Our Product Offerings
Working with a reinsurer that is financially sound, experienced, and understands your business strategy and focus is paramount. As part of our reinsurance arrangement with our customers, we make group disability plans and support services available that are tailored to their business needs.
Understanding customer needs is critical to the success of any business, which is why we incorporate "voice of the customer" market research strategies to ensure we provide the right product features for your target markets.
The following products and services are available in our reinsurance arrangements:
- Traditional Group STD (Contributory/Non-contributory Plans);
- Traditional Group LTD (Contributory/Non-contributory Plans);
- Integrated Group STD/LTD;
- Voluntary Group STD;
- Voluntary Group LTD;
- Core Buy-Up Plans (Choice Plans);
- Small Employer Income Protection Plan – Small Group STD & LTD (2-9 Life);
- EZ LTD Plan;
- International LTD (Coverage for expatriates - 10+ Lives).
Our Value Added Service Options:
- Employee Assistance Program (EAP);
- Leave Management Administrator II (FMLA);
- Conversion-Partial Income Protection During the Transition;
- 24 Hour Travel Assistance;
- Coordinated STD and LTD Claim Management.
Reinsurance Administration
At CDS, we partner with our customers and work closely with their staff to ensure their goals and objectives are met. We offer a full range of support services for our Short- and Long-Term Disability products (i.e. claims administration, underwriting, pricing and evaluations, state filing, product development, market research, marketing support, etc.). We have an experienced staff available to assist in all functional areas.
Reports
Reports are available for all fully insured products.
- STD Claim Payment History Report - formatted and unformatted
- STD Open Claim Report (Simple listing No financial information) formatted and unformatted
- STD Closed Claim Report (Simple listing No financial information) formatted and unformatted
- LTD Payment History Report – formatted and unformatted
- LTD Open Claims Report – formatted and unformatted
- LTD Closed Claims Report – formatted and unformatted
- Automated Underwriting Turnaround Time Report –
formatted and unformatted.
On-line reporting services are available for Advice to Pay, FMLA, and Leave Tracking services.
- STD Individual Advice To Pay (ATP) Report
- LTD Individual Advice To Pay Report – formatted
THE INFORMATION IN THIS SECTION OF THE CDS WEBSITE PROVIDES ONLY A BRIEF DESCIPTION OF THE KEY FEATURES OF OUR PRODUCTS - CONTACT BRIAN COOKE AT 207-400-3569 FOR MORE INFORMATION, INCLUDING ANY EXCLUSIONS, LIMITATIONS, REDUCTIONS, AND TERMINATION PROVISIONS.