SYSTEM AND METHOD FOR EFFICIENT CLAIM ASSIGNMENT

• US 20110213626A1
• Filed: 03/01/2010
• Published: 09/01/2011
• Est. Priority Date: 03/01/2010
• Status: Abandoned Application

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Haas, Anne K., Vadavalli, Haritha, Hayward, Molly C., Murphy-Smith, Jennifer, Papanasam, Vasan S.S., Brewer, Patricia Ann, Lee, James Sun-Ming, Hartmann, Carol A., Govindan, Murugan, Williams, Kenneth W.
• Application Number:
  US12/715,032
• Publication Number:
  US 20110213626A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system includes a data storage device configured to receive and store policy information associated with an insurance policy, and a first data structure associating each of a plurality of program identifiers with a respective claim handling identifier, a computer processor configured to execute program instructions and retrieve the policy information from the data storage device, and a memory, coupled to the computer processor, configured to store program instructions for execution by the computer processor.

Also included is claim assignment logic comprising program instructions stored in the memory and executable by the computer processor to determine a program identifier based on the policy information and to determine a first claim handling identifier associated with the program identifier in the first data structure. If the first claim handling identifier is a first predetermined claim handling identifier, a record associating the policy information with the first claim handling identifier is generated. If the first claim handling identifier is a second predetermined claim handling identifier, a second claim handling identifier is determined based on the policy information, and a record associating the policy information with the second claim handling identifier is generated. A communication device is configured to transmit the record to a claim management system.

Claims

1. A computer system comprising:

a data storage device configured to receive and store policy information associated with an insurance policy, and a first data structure associating each of a plurality of program identifiers with a respective claim handling identifier;

a computer processor configured to execute program instructions and to retrieve the policy information from the data storage device;

a memory, coupled to the computer processor, configured to store program instructions for execution by the computer processor;

claim assignment logic comprising program instructions stored in the memory and executable by the computer processor to;

determine a program identifier based on the policy information;

determine a first claim handling identifier associated with the program identifier in the first data structure;

generate, if the first claim handling identifier comprises a first predetermined claim handling identifier, a record associating the policy information with the first claim handling identifier; and

if the first claim handling identifier comprises a second predetermined claim handling identifier, determine a second claim handling identifier based on the policy information and generate a record associating the policy information with the second claim handling identifier; and

a communication device, coupled to the computer processor, configured to transmit the record to a claim management system.

2. A computer system according to claim 1, wherein the program instructions stored in the memory and executable by the computer processor to determine the second claim handling identifier comprise program instructions stored in the memory and executable by the computer processor to:

determine a policy inception date based on the policy information;

identify a record of a second data structure associated with the program identifier and with a time period including the policy inception date;

determine that a claim handling identifier of the record of the second data structure is associated with third party administrator claim handling;

determine an extract identifier based on the program identifier and on a third data structure associating each of a plurality of program identifiers with a respective extract identifier and third party administrator information;

determine a subset of the policy information based on the extract identifier; and

determine that the subset of the policy information matches corresponding third party administrator information associated with the program identifier in the third data structure,

wherein the second claim handling identifier is associated with third party administrator claim handling.

3. A computer system according to claim 2, wherein the subset of the policy information comprises a regional office and an agency identifier.

4. A computer system according to claim 2, wherein the subset of the policy information comprises the policy inception date, and wherein the corresponding third party administrator information comprises a start date and an end date.

5. A computer system according to claim 1, wherein the first claim handling identifier of the record is associated with third party administrator claim handling, and wherein the program instructions stored in the memory and executable by the computer processor to determine the second claim handling identifier comprise program instructions stored in the memory and executable by the computer processor to:

determine an extract identifier based on the program identifier and on a second data structure associating each of a plurality of program identifiers with a respective extract handling identifier and third party administrator information;

determine a subset of the policy information based on the extract identifier; and

determine that the subset of the policy information matches corresponding third party administrator information associated with the program identifier in the third data structure,

wherein the second claim handling identifier is associated with third party administrator claim handling.

6. A computer system according to claim 5, wherein the subset of the policy information comprises a regional office and an agency identifier.

7. A computer system according to claim 5, wherein the subset of the policy information comprises the policy inception date, and wherein the corresponding third party administrator information comprises a start date and an end date.

8. A computer system according to claim 1, wherein the program instructions stored in the memory and executable by the computer processor to determine the second claim handling identifier comprise program instructions stored in the memory and executable by the computer processor to:

determine a policy inception date based on the policy information; and

identify a record of a second data structure associated with the program identifier and with a time period including the policy inception date,

wherein the second claim handling identifier is associated with the record and is associated with claim handling by an insurance company associated with the insurance policy.

9. A computer system according to claim 1, further comprising the claim management system, the claim management system comprising:

a second data storage device for receiving and storing the record associating the policy information with the second claim handling identifier;

a second computer processor for executing program instructions;

a second memory, coupled to the second computer processor, for storing program instructions for execution by the second computer processor; and

claim management logic further comprising program instructions stored in the memory and executable by the computer processor to;

receive a claim associated with the policy from a claimant;

identify the claim handling identifier of the record associated with the policy; and

process the claim based on the claim handling identifier.

10. A computer system according to claim 1, wherein,

if the claim handling identifier of the record associated with the policy is associated with third party administrator claim handling, processing the claim comprises identification of third party administrator contact information of the record associated with the policy and provision of the third party administrator contact information to the claimant, and

if the claim handling identifier of the record associated with the policy is associated with claim handling by an insurance company associated with the insurance policy, processing the claim comprises assignment of the claim to a claim office of the insurance company.

11. A computer system according to claim 1, wherein the program instructions stored in the memory are further executable by the computer processor to:

determine a predicted claim handling identifier based on a predictive model and on the policy information; and

compare the predicted claim handling identifier to the claim handling identifier associated with the record.

12. A computer-implemented method comprising:

receiving policy information associated with an insurance policy;

determining a program identifier based on the policy information;

determining a first claim handling identifier based on the program identifier and on a first data structure associating each of a plurality of program identifiers with a respective claim handling identifier;

if the first claim handling identifier comprises a first predetermined claim handling identifier, generating a record associating the policy information with the first claim handling identifier;

if the first claim handling identifier comprises a second predetermined claim handling identifier, determining a second claim handling identifier based on the policy information and generating a record associating the policy information with the second claim handling identifier; and

transmitting the record to a claim management system.

13. A computer-implemented method according to claim 12, wherein determining the second claim handling identifier comprises

determining a policy inception date based on the policy information;

identifying a record of a second data structure associated with the program identifier and with a time period including the policy inception date;

determining that a claim handling identifier of the record is associated with third party administrator claim handling;

determining an extract identifier based on the program identifier and on a third data structure associating each of a plurality of program identifiers with a respective extract handling identifier and third party administrator information;

determining a subset of the policy information based on the extract identifier; and

determining that the subset of the policy information matches corresponding third party administrator information associated with the program identifier in the third data structure,

wherein the second claim handling identifier is associated with third party administrator claim handling.

14. A computer-implemented method according to claim 13, wherein the subset of the policy information comprises a regional office and an agency identifier.

15. A computer-implemented method according to claim 13, wherein the subset of the policy information comprises the policy inception date, and wherein the corresponding third party administrator information comprises a start date and an end date.

16. A computer-implemented method according to claim 12, wherein the first claim handling identifier of the record is associated with third party administrator claim handling, and wherein determining the second claim handling identifier comprises:

determining an extract identifier based on the program identifier and on a second data structure associating each of a plurality of program identifiers with a respective extract handling identifier and third party administrator information;

determining a subset of the policy information based on the extract identifier; and

determining that the subset of the policy information matches corresponding third party administrator information associated with the program identifier in the third data structure,

wherein the second claim handling identifier is associated with third party administrator claim handling.

17. A computer-implemented method according to claim 16, wherein the subset of the policy information comprises a regional office and an agency identifier.

18. A computer-implemented method according to claim 16, wherein the subset of the policy information comprises the policy inception date, and wherein the corresponding third party administrator information comprises a start date and an end date.

19. A computer-implemented method according to claim 12, further comprising:

determining a policy inception date based on the policy information; and

identifying a record of a second data structure associated with the program identifier and with a time period including the policy inception date,

wherein the claim handling identifier associated with the record is associated with claim handling by an insurance company associated with the insurance policy.

20. A computer-implemented method according to claim 12, further comprising:

receiving a claim associated with the policy from a claimant;

identifying the claim handling identifier of the record associated with the policy; and

processing the claim based on the claim handling identifier.

21. A computer-implemented method according to claim 12, wherein,

if the claim handling identifier of the record associated with the policy is associated with third party administrator claim handling, processing the claim comprises identifying third party administrator contact information of the record associated with the policy and providing the third party administrator contact information to the claimant, and

if the claim handling identifier of the record associated with the policy is associated with claim handling by an insurance company associated with the insurance policy, processing the claim comprises assigning the claim to a claim office of the insurance company.

22. A computer-implemented method according to claim 12, further comprising:

determining a predicted claim handling identifier based on a predictive model and on the policy information; and

comparing the predicted claim handling identifier to the claim handling identifier associated with the record.

23. A system comprising:

a first system comprising;

a data storage device configured to receive and store policy information associated with an insurance policy, and a first data structure associating each of a plurality of program identifiers with a respective claim handling identifier;

a computer processor configured to execute program instructions and to retrieve the policy information from the data storage device;

a memory, coupled to the computer processor, configured to store program instructions for execution by the computer processor;

claim assignment logic comprising program instructions stored in the memory and executable by the computer processor to;

determine a program identifier based on the policy information;

determine a first claim handling identifier associated with the program identifier in the first data structure;

generate, if the first claim handling identifier comprises a first predetermined claim handling identifier, a record associating the policy information with the first claim handling identifier; and

if the first claim handling identifier comprises a second predetermined claim handling identifier, determine a second claim handling identifier based on the policy information and generate a record associating the policy information with the second claim handling identifier; and

a communication device, coupled to the computer processor, configured to transmit the record to a claim management system; and

the claim management system comprising;

a second data storage device for receiving and storing the record associating the policy information with the second claim handling identifier;

a second computer processor for executing program instructions;

a second memory, coupled to the second computer processor, for storing program instructions for execution by the second computer processor; and

claim management logic further comprising program instructions stored in the memory and executable by the computer processor to;

receive a claim associated with the policy from a claimant;

identify the claim handling identifier of the record associated with the policy; and

process the claim based on the identified claim handling identifier.