Our dedicated musculoskeletal pathway
Musculoskeletal conditions can affect work, family and social life and can have a massive impact on an employee’s overall ability to function. We can help make it easier for employees experiencing musculoskeletal issues with our tailored pathway designed to help provide the best outcome.
| Referral | Over the years we’ve seen how early intervention and rehabilitation support can successfully help employees return to, or remain at work. We often step in early to offer the employee physiotherapy treatment through one of our specialist partners and can give advice on reasonable adjustments in the workplace, including complex ergonomic assessments to help safeguard against injury |
| Simple claims process | Once an employee has been identified as needing specialist support, they can be referred easily by phone There are no mandatory forms to complete The employee can give consent quickly, with a simple e-signature |
| Claims management and support | A dedicated case manager will manage all aspects of the claim from financial assessment through to return to work support |
| Clinical expertise | The case manager may also refer to our in-house rehabilitation team made up of clinical experts including physiotherapists, sports therapists and occupational therapists |
| Specialist support | If needed, we’ll refer the employee to one of our partners specialising in occupational physiotherapy Face to face or virtual physiotherapy sessions can help improve employee wellness and facilitate a successful return to work |
| Signposting | We can signpost to any other suitable support available through the Group Income Protection policy, or other products or services held by the employee |
| Return to work support | Our vocational rehabilitation consultants provide advice and guidance on how to support an employee’s recovery and a safe, timely, return to work They’ll consider the functional demands of the role against the functional abilities of the employee |
| Benefit payment | Where possible, we aim to confirm benefit payment before the end of the deferred period, helping to reduce financial pressure on the employee |