Long Term Disability

Our LTD Questionnaire will help a claim manager understand the individual behind the claim and identify barriers to return to work as early as possible and assign a “psychosocial risk factor” to the claim, using our AI driven risk models.

Risk Factors Include:

• • • • • • • • • Mental Health
                • Motivation
                • Workplace
                • Domestic
                • Financial
                • Physical Capacity

As the LTD claim progresses, the Questionnaires can be repeated to understand how the psychosocial factors are changing over the duration of the claim process.

The diagram above shows the three risk classifications used to group LTD claims:

High Risk – This classification indicates that the analytics suggest this claim has significant psychosocial issues that could delay return to work. This claim should be assigned to a more experienced case manager and a high-touch process used.

Medium Risk – This classification is for a claim where some psychosocial factors have been identified and should be reviewed and monitored for any deviations from expected recovery path.

Low Risk – This is for a claim that has no psychosocial issues and needs a light-touch process, maybe a shortened or no telephone interview, freeing case managers to spend more time on more complex claims.

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