Experiencing a short-term disability is stressful enough for employees; having to worry about whether they’ll receive their benefit payments shouldn’t be. To make things a little easier, we created our new Swift Claims Practices, a streamlined claims approval process for childbirth, life-changing diagnoses and routine surgeries. Keep reading to learn more.
Swift Claim Practices
When an employee files a claim for a condition or procedure that’s found under these practices, we’ll approve the initial payments while the Case Manager confirms claim information with your health care provider. Our Swift Claims Practices consist of:
Employees who are pregnant can file a short-term disability claim up to 60 days before their due date, even if they’re working. And if they end up delivering earlier/later than anticipated or need to stop working before their planned due date, we can simply adjust their benefit period as needed.
With Swift Maternity, employees can verify their baby’s birth in any of the following ways*:
- A photo or scan of the baby’s maternity ward identification bracelet.
- The baby’s birth certificate.
- Their discharge paperwork.
- A statement from the attending physician.
- Any other medical documentation indicating procedure or date of birth/delivery.
*In some cases additional medical information may be needed.
Typically, when an employee is diagnosed with a serious illness or condition, things move fast and treatment starts right away. To help make this transition into treatment smoother, we’ve expedited the short-term disability claims process for the following diagnoses:
- Stage IV cancers
- End-stage renal (kidney) disease
- Inpatient or home hospice care
Once our Case Managers receive an eligible claim, they’ll approve it for at least 28 days while they’re working to get all the necessary medical records from the employee’s health care provider.
We’ve also created a better experience for employees who file a claim for routine surgeries. Covered surgeries include:
- Total knee replacement
- Total or partial hip replacement
- Colorectal resection
- Coronary artery bypass grafting (CAGB)
And like with Swift Compassionate, our Case Managers will approve a claim even while medical records are being pursued.
To learn more about our Swift Claims Practices, check out our overview brochure. If you have any questions, contact your Symetra representative.