LTD Group Disability Benefits: Touching The Right Claim At The Right Time With Intelligent Digital Automation

Within Group Long-Term Disability (LTD), claim professionals are aware 30-40% of short-term disability claims (STD) will transition into long-term disability claims (LTD).

As this transition occurs, it is essential to reassess the claimant’s functional capacity and overall disability profile early in the LTD claim’s lifecycle to determine if they can perform their ‘Own Occupation.’ If their claim journey progresses, it will become necessary to decide on the claimant’s ability to perform ‘Any Occupation.’ This change in policy definition usually occurs after 24 months of ‘Own Occ’ coverage.

As part of this lifecycle, identifying and risk managing the right claim at the right time can be challenging yet critical to keeping claims staff focused on supporting the claimant–during a difficult time in their life–with securing a meaningful occupation that sustains their livelihood.

Group carriers utilizing FastTrack’s Digital Automaton Technology are collecting critical claim data and building comprehensive disability profiles so claim examiners can efficiently validate a claimant’s disability status according to their carrier’s policy language and risk management guidelines. As part of this process, FastTrack’s proprietary Automated Occupational Matching technology provides occupational adjudication guidance that aligns with the Department of Labor Occupational Libraries (DOT and O*Net). Further, our Automated Claim Triaging Pathways ensure a claim is assigned to the appropriate staff member for handling at the opportune time.

Leveraging FastTrack’s technology leads to:

✅  More efficient claim outcomes (i.e., 30-40% less handling time)

✅  More informed, objective risk management decisions that improve actuarial reserves by 10-20%

✅  A 5-star claimant experience that includes an “opt-in” digital claims journey


Want to learn more about how FastTrack powers over 15 carriers, helping them achieve AUTOMATED “In Good Order (IGO) Claims” by utilizing an agile, low-code, cloud platform?



About FastTrack

FastTrack – a Kamine Technology Group (KTG) division – is a full-service intelligent technology solutions provider in the Life & Disability insurance vertical. Leading the way for more than 10+ years, FastTrack boasts a growing client portfolio consisting of a large ratio of top-tier insurers in both the Group and Individual marketplace in the USA and Canada. Our made-for-insurance intelligent technology, enhanced by decades of on-the-job insurance industry expertise and AI, digitizes & automates up to 90% of the claims journey, from claim intake to adjudication, resulting in lightning-fast claim outcomes that typically improve Claim Handle Time by 30%-40%. FastTrack helps insurers free up valuable human resources to focus on mission-critical tasks, such as improving the customer experience and making informed claim decisions. Furthermore, FastTrack’s suite of technology solutions and services empowers insurers to triage claims, understand risk management options, reduce manual administration, save on interest expenses, create straight-through processing opportunities, leverage comprehensive data via online Claimant, Beneficiaries, Employers, Agents/Brokers portals, and create digital claimant profiles to achieve informed, consistent, repeatable, defensible, and objective claim decisions.


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