View from The Helm

A Long Term Care (LTC) claim comes at a challenging time for the insured and his or her loved ones. Often the person covered by the policy cannot make decisions alone, especially when cognitively impaired. If the claimant is impaired, a valid Power of Attorney (POA) is required so that the claims analyst knows who has the authority to make decisions on the claim and what exactly that person can decide. Without knowing the “who, , when, what” of a POA, the claims analyst cannot make a timely decision, in turn, adding to the stress of an LTC claim.... Read more »

My fellow disability claims analysts – how many of you can relate to this dilemma? You’re coming up on the time when a Short Term Disability (STD) claim may need to be transitioned to Long Term Disability (LTD) per your company’s guidelines. However, you’ve got hundreds of newly submitted STD claims on your desk that... Read more »

“The future of insurance is here.” Seems like an oxymoron, doesn’t it? But incredibly, it’s true. Robotics, AI, predictive modeling, blockchain - it’s all happening in our business right now as we heard at the recent International Claims Association (ICA) annual conference (held Sept. 22-24 in Denver). While the above list is front of mind... Read more »