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Our expertise, your decision

Advice to Pay (ATP) is a service for employers that self-insure short-term disability claims.  Empire Life professionally reviews the claim and assesses against our standard Short Term Disability plan provisions. 

We provide a comprehensive and objective recommendations report to help employers know how to move forward. This service offers clarity about the validity of an absence, the expected return-to-work date, and any accommodation that might be appropriate. 

ATP is a cost-effective way to help employers make the right decisions for both their employees and their business.