OCFP and CLHIA streamline disability claim forms for faster access to benefits

📢 Today, the Canadian Life and Health Insurance Association (CLHIA) is announcing the launch of a harmonized medical form to initiate disability claims.       Canada’s life and health insurers are doing their part to reduce administrative burden for physicians, while making it easier for those who need to be away from work for medical reasons to access their disability benefits more quickly.       We’ve heard from physician associations from across Canada who have supported this work. ✅     Read the press release to learn more ➡️ https://lnkd.in/giqNASi3   #HealthcareInnovation #DisabilitySupport #AdministrativeEfficiency #PatientsBeforePaperwork Canadian Medical Association Ontario Medical Association FMOQ - Fédération des médecins omnipraticiens du Québec Doctors Nova Scotia BC College of Family Physicians Ontario College of Family Physicians

I’m really pleased to share today’s announcement that Canada’s life and health insurers are doing our part to reduce physician burden so physicians can spend more of their time with patients.   Canada’s life and health insurers are introducing one harmonized disability medical form and retiring most existing company-specific forms. The new disability medical form can be used to initiate both short- and long-term disability claims.    Insurers will accept the new disability medical form immediately; however, insurers and their clients/plan sponsors may need up to a year to fully transition to the new form.   Today’s announcement builds on other work we are doing to reduce physician burden, such as eliminating the need for physician referrals for services such as physiotherapy and chiropractors. We look forward to working closely with physicians and governments to identify other opportunities to reduce physician burden and strengthen Canada's healthcare system.

Canada’s life and health insurers are simplifying the disability claims process by introducing one harmonized disability medical form and retiring most existing company-specific forms. 

A seismic shift is reshaping UK private healthcare. 📉 For the first time, the number of people paying for their own treatment out-of-pocket is declining, while insurance-backed admissions are surging. Here’s what you need to know: 💰 ▶️ The Decline of Self-Pay: Self-funded hospital admissions are projected to drop by 4-6% in 2025. With the cost-of-living crisis squeezing household budgets, lump-sum payments for procedures like a £14,000+ hip replacement have become unaffordable for many. Relying on savings is now a high-risk strategy. ▶️ The Rise of Private Medical Insurance (PMI): In stark contrast, admissions funded by PMI are growing by 8-10%. Faced with NHS waiting lists exceeding 7.5 million, savvy consumers are turning to insurance as a predictable and budget-friendly way to guarantee prompt access to care. The takeaway is clear: PMI is no longer a luxury, but a crucial tool for financial security and health certainty. It empowers you to bypass long waits and access treatment when you need it most, without the threat of a crippling bill. Are you prepared for unexpected health issues? 💰 Protect yourself and your family from long waiting lists and unpredictable costs. Explore your options and gain peace of mind by booking a FREE, no-obligation consultation with our expert advisors today. Visit us to learn more: https://wecovr.com/pmi #PrivateHealthcare #HealthInsurance #PMI #UKHealthcare #MedicalInsurance #NHSWaitingLists #FinancialPlanning #HealthAndWellness #insurance #healthcare #UKhealth #healthinsurance #privatehealth #NHS #healthcare #wellbeing #mentalhealth #healthyliving Read more: https://lnkd.in/eVYryqRn

When considering locum tenens, the cost of benefits like disability and health insurance is a key factor. Even with out-of-pocket expenses or marketplace plans, these costs can be manageable compared to locum premiums. One can even enhance their earnings by picking up the odd shifts or night work. Negotiating premiums strategically can significantly boost income. Factors like call-back availability and pager duty can command higher rates, unlike W2 positions where such duties are often unpaid expectations. Understanding the workload volume before negotiating rates ensures fair compensation for time, patients, and overall situation. Maria Iliakova, MD, MBA, FACS Shiv Kalan, MD, MBA, CPE, FACP @ #locumtenens #healthcare #negotiation #incomestrategy #financialplanning

Standard health insurance covers treatment costs but not income loss, household disruption, or uncovered medical exposure. Colonial Life and Unum fill those gaps with structured financial protection and administrative precision. Colonial Life delivers voluntary benefits that convert health events into predictable, claim-driven payments to employees. Unum provides employer-paid core coverage and compliance infrastructure. Combined, they stabilize financial outcomes, reduce HR administrative strain, and expand protection without increasing employer cost. The integration closes operational and financial gaps left by traditional health plans by aligning income protection, claims efficiency, and benefit communication inside one system.

A major shift is happening in UK private healthcare. For the first time, the number of people paying for private treatment out-of-pocket is declining, while insurance-backed admissions are surging. New data reveals a projected 4-6% drop in self-funded hospital admissions for 2025, as Private Medical Insurance (PMI) funded treatments are set to grow by 8-10%. What's behind this landmark reversal? 💰 📉 The End of Self-Pay Viability: The cost-of-living crisis has made large, one-off payments for surgery a major financial risk. With procedures like a hip replacement costing over £14,000, using personal savings is becoming an unsustainable strategy for many. ✅ The Value of Certainty: With NHS waiting lists still over 7.5 million, consumers are increasingly turning to PMI. It's no longer seen as a luxury, but as a crucial, budget-friendly tool to guarantee prompt access to care and provide financial peace of mind. The message is clear: relying on a "rainy day" fund for your health is a gamble. Proactive planning with the right insurance is now the smarter, more secure path to private healthcare. Don't let a health issue become a financial crisis. Ready to understand how PMI can protect your health and your finances? ➡️ Visit https://wecovr.com/pmi to learn more and book your FREE, no-obligation consultation with our expert team today. #PrivateHealthcare #HealthInsurance #PMI #UKHealthcare #PrivateMedicalInsurance #FinancialPlanning #HealthandWellness #insurance #healthcare #UKhealth #healthinsurance #privatehealth #NHS #healthcare #wellbeing #mentalhealth #healthyliving Read more: https://lnkd.in/enbYqzsk

🇩🇪 Are Specialist Consultations Covered Under Public Insurance in Germany? ✅ Yes! If you have public health insurance (GKV), specialist visits are covered — but here’s how it works: 👩⚕️ Referral needed: Most specialists require a referral slip (Überweisung) from your family doctor. 👁️ No referral needed: You can visit gynaecologists, eye doctors, dentists, or paediatricians directly. 💶 No extra fee: The consultation is fully covered, though small co-payments may apply for tests or medicines. 🌍 Tourists/private insurance: Pay upfront and claim later through your insurance. 👉 Learn more here: https://lnkd.in/gxkzKhPF #HealthcareInGermany #GermanyHealthInsurance #VisitGermany #MedicalCare #GermanyLiving #SpecialistDoctors #publicinsurance

22 million Americans face rising health insurance costs as government shutdown begins. The lapse in funding threatens the extension of ACA subsidies, putting coverage and affordability at risk. Insurers must prepare for market volatility and policy uncertainty. 📖 Read more: https://lnkd.in/eGS4PhmS #SphericAssurance #HealthInsurance #ACA #GovernmentShutdown #InsuranceIndustry #RiskManagement #HealthcarePolicy #PremiumSpikes

Benefits of Health Insurance Over Out-of-Pocket Spending: 1. Financial Protection: Insurance shields you from high medical bills. 2. Predictable Costs: Regular premiums make healthcare expenses easier to manage. 3. Better Access: Encourages timely and preventive care. 4. Emergency Coverage: Covers costly treatments like surgeries or accidents. 5. Risk Sharing: Costs are shared across a large group, reducing individual burden. 6. Peace of Mind: Reduces stress about unexpected health expenses.