Extended Duration Claims

If you are contemplating a deep dive into your long term claims with the ‘permanent and totally disabled’ classification, The Claim Lab has some tools that will help you!

These mature claims can be analyzed using a similar process to that used with LTD claims, a dedicated Extended Duration Questionnaire and risk model, enable these claims to be divided into segments. Questionnaire data can be combined with other data to highlight those claims where, with the right help and support, the individual could return to work.

Our experience is that lurking in the mature claims there are always some that are waiting for recovery. They may be genuinely ‘sick of being disabled’ and want to get back to work, or there is some element of fear-of-regression and, with some motivation, a return to work can be achieved.

The Claim Lab analysis can highlight claims which have potential, so out of a population of 3,000 extended duration claims, a more manageable subset of around 100 could be identified for attention.

The Claim Lab  – Email us at  info@claimlab.org