Does your claims process have a fast lane? Claim segmentation is a vital part of a more effective STD process, with less complex claims put through a ‘Fast Lane’ leaving claim managers more time to spend on complex claims. We have a fast lane for highways, Disney World, people with 10 items or fewer at […]

The Claim Lab is developing specialized models to predict return to work (RTW) for a range of conditions. Whilst doing our research we’ve referenced some previous studies, one we found particularly interesting was published in Neuropsychiatric Disease and Treatment, ‘Let’s get back to work: survival analysis on the return-to-work after depression’.[1] Aim The aim of this […]

There is a big opportunity in many claims operations to improve efficiency with greater automation of claims decisions. Every STD claim is still most likely touched by a claim manager, this isn’t an efficient approach, and there is a better way! Let’s ask some basic questions: What proportion of your STD claims are maternity claims? […]

Work-Focused Psychotherapy Helps Employees Return To Work Sooner Research published online in APA’s Journal of Occupational Health Psychology has found that employees who received work-focused therapy, returned to work sooner, did not suffer adverse effects and showed significant improvement in mental health over the course of one year. It turns out that maintaining a strong […]

As you are likely aware the Claim Lab is refining its models that predict the duration of return to work. Throughout this process we have been examining the research to help us identify the indicators needed for the model to be most effective. One such study that has proven particularly interesting was ‘Predicting Return to […]

A vital tool for disability insurers is the ability to measure self-esteem, to help separate the medical issues from the psychological issues and assist in the return to work process. Trying to better understand the complex interplay between the physical healing process and the mental health issues is hard using traditional methods. Claim managers in […]

Mental health is still largely misunderstood in comparison to physical health, but we are getting better as a society at seeing the link between the two. Improvements are being made, but less has been done to reflect these links in the healthcare system, social security or even workers compensation insurance. The Claim Lab has recently […]

One of the key drivers for a claimant returning to work is the personal desire or drive on part of the individual to re-engage with employment. “the duration of a claim has no correlation with the healing time of the human body” There are many issues that can complicate the return to work time for […]

The use of automated questionnaires to check the well-being of long term claims could provide new insight into severe and complex claims. Typically most LTD claims operations will have an active caseload of 80 to 120 claims per claim manager. For claims that appear to be longer term, a separate unit operates. This unit takes […]

Health related ‘Quality of Life’ questionnaires have been developed in increasing numbers during recent years. These questionnaires are intended both for use in daily clinical practice and for research. They offer a quick, empirically proven method of assessing an individual’s well-being. These tools are highly appropriate for use in the disability claim process. They include […]