Apparatus and method for determining insurance benefit amounts based on groupings of long-term care patients with common characteristics
First Claim
1. A method for using a digital electrical computer apparatus to electrically process signals in generating output for insurance documentation, thedigital electrical computer apparatus comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, whereinthe processor is programmed to control the apparatus to receive the input data and to produce the output data method including the steps of:
- defining a plurality of patient categories; and
for each of said categories, determining a periodic duration-specific insurance benefit amount for a long-term care patient, and inserting said periodic duration-specific insurance benefit amounts in a long-term care insurance policy.
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Accused Products
Abstract
A method for using a digital electrical apparatus to electrically process signals in generating output for insurance documentation, the method including the steps of: in a digital electrical computer apparatus comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data by steps including: defining a plurality of patient categories; and for each of the categories, determining a periodic duration-specific insurance benefit amount for long-term care patients; the method further including the step of inserting the periodic duration-specific insurance benefit amounts in a long-term care insurance policy.
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Citations
17 Claims
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1. A method for using a digital electrical computer apparatus to electrically process signals in generating output for insurance documentation, the
digital electrical computer apparatus comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data method including the steps of: -
defining a plurality of patient categories; and for each of said categories, determining a periodic duration-specific insurance benefit amount for a long-term care patient, and inserting said periodic duration-specific insurance benefit amounts in a long-term care insurance policy. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. Apparatus for electrically processing signals in generating output for insurance documentation, the apparatus including:
a digital electrical computer system comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data by defining a plurality of patient categories having one of a maximum benefit amount and a minimum benefit amount, the processor being programmed such that for each of said categories, the processor determines a periodic duration-specific insurance benefit amount for a long-term care patient, the processor being programmed further for inserting said periodic duration-specific insurance benefit amounts in documentation for a long-term care insurance policy. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A method for making an apparatus for electrically processing signals in generating output for insurance documentation, the method including the steps of:
providing a digital electrical computer system comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data by defining a plurality of patient categories; and
for each of said categories, the processor being programmed for determining a periodic duration-specific insurance benefit amount for a long-term care patient(s);
the processor being programmed further for inserting said periodic duration-specific insurance benefit amounts in a long-term care insurance policy.
Specification