Treatment of severe depression is like treatment for any other serious illness. It can take time. The pace of recovery can be difficult to predict. This hurts employees with strong potential to return to work when they lose access to short-term treatment services once they cross the long-term disability threshold.
TeamCare Early LTD™ is tailored to fit these more complex situations. It is designed to assist insurers who are able to refer claims at a later stage STD or early LTD status. With effective, sustained treatment, claimants can recover and return to work.