Coughlin has a team of short-term disability claims adjudication experts who service clients in industries throughout Canada. As a leading employee benefits specialist, Coughlin has regular contact with senior claims, medical and legal personnel with every major insurance carrier in Canada. We also have easy access to specialty providers in vocational rehabilitation, investigations, employee assistance and early intervention.
The primary objective of Coughlin’s disability claims administrators is to promptly investigate case facts, provide objective evaluations and settle claims quickly and fairly when claims liability is clearly established.
Coughlin & Associates Ltd. can process claim payments from plan sponsor-funded accounts, or advise plan sponsors on the status of employee claims so that they make informed decisions on salary continuance/sick leave and related issues. Our solid reputation as a third-party administrator has also led to the development of special arrangements where Coughlin adjudicates short-term disability claims while the financial risk is underwritten by an insurance carrier.
When it comes to adjudication, our disability claims administrators use industry-recognized reference material to support their claims assessments and, when required, are assisted by a medical consultant in general practice, two psychiatrists, a national pharmacy benefit manager, a dental consultant and a network of other health care and legal resources.
Coughlin uses in-house staff and its own proprietary data systems to develop and manage our clients’ benefits programs. All of our programmers and administrators, as well as our computer hardware and related systems, are located in our Ottawa head office. By controlling resources within our organization,
Coughlin can produce fast, accurate reports customized to client requirements. Coughlin is a member in good standing of the Canadian Health Care Anti-Fraud Association, the International Foundation of Employee Benefit Plans and the Canadian Pension and Benefits Institute.
