HR managers, brokers and consultants have an opportunity to view disability carrier products and services in a different light. In the past, the focus was primarily on how one could obtain STD, LTD and absence management services at the lowest price. Often, the relationship between these services and the Health-Related Lost Productivity has been overlooked. The assumption has been that reducing medical and pharmacy costs will produce the most immediate, cost-effective benefit solutions. However, these costs may only be the tip of the iceberg.