TOTAL ABSENCE MANAGEMENT

INSURANCE UNDERWRITING AND INSURANCE CLAIMS ADMINISTRATION IN THE FIELD OF DISABILITY BENEFITS, WORKER COMPENSATION, HEALTH INSURANCE AND EMPLOYEE BENEFIT PLANS; ELECTRONIC PROCESSING OF INSURANCE CLAIMS AND PAYMENT DATA; AND ADMINISTRATION OF EMPLOYEE BENEFIT PLANS, NAMELY, TRACKING EMPLOYEE ATTENDANCE OR NON-ATTENDANCE, DISABILITY BENEFITS AND WORKERS' COMPENSATION BENEFITS