APS
RETRIEVALS AND SUMMARIES
Claims Examination Support
Standard protocol for a life claim is to obtain a death certificate
and, in those cases that may involve diseases with symptoms that
could have occurred prior to the application, to also obtain an APS.
PDC structures APS Summary information in a format that expedites
decision making by the claim examiners. An APS summary will eliminate
duplicate records, as well as highlight observations regarding potential
preexisting conditions, symptoms or concerns previously expressed
by the insured.
As an additional option, we can also identify “speed” decisions
where no concerns exist or highlight those where claims can be denied
or where more information is needed to possibly decline a file. Lastly,
our underwriters have the product and claims experience required
to evaluate the validity of a Mortality or Morbidity claim, as well
as claims for Waiver of Premium or Accelerated Benefit.
|
