The development and use of a model to estimate disability insurance exposure for a group of individuals to be underwritten for a coverage period is disclosed. The development of the model includes the use of medical claim data having a plurality of medical claims made by a first model population having...http://www.google.de/patents/US8041585?utm_source=gb-gplus-sharePatent US8041585 - Computerized medical modeling of group disability insurance using medical claims data
