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The proof is in the numbers


                           The culmination of human intervention and data analytics enables us to achieve these results





                                                        Short-Term Disability: Days Saved Compared to Industry Averages

                                                                                         LIVES   DAYS SAVED
                              We are a market            INDUSTRY                        COVERED  Compared to industry avg.
                            leader in absence and
                            disability, with over          Transportation/Communications  350K    6.9 days            In 2019, we found
                             35K                           Business                       425K    4.8 days            improve claimant
                                                                                                                      opportunities to
                                                                                          1.3M
                                                                                                  4.2 days
                                                           Manufacturing
                                                           Health services                850K    4.1 days              outcomes in
                                CLIENTS                                                                              1 of every 5
                                                           Service                        2.5M    2.3 days
                             representing over             Retail                         600K    1.3 days             claims reviewed
                           10M                             Representing nearly 640K DAYS of productivity we helped




                            COVERED LIVES                  our clients retain in a single year.





                                    Long-Term Disability:
                                    Industry results reported in the October 2019   27 %    2019 claimant survey results   89 %
                                    Society of Actuaries study show the rate we get         show we have an 89% overall
                                    LTD claimants back to productivity outperforms          satisfaction rating.
                                    the industry average by 27%.

                                                                                                                                        LCN-2317963-111418
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