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Disability Underwriting Documentation
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Disability Underwriting Documentation
2025 Microlearning Series: Q1 Documentation Pt. 1
Study
1
Question
Why is documentation in disability underwriting important?
Answer
Documentation in disability underwriting is vital for accurate risk assessment, fair premium determination, efficient claims processing, dispute resolution, compliance, and enhanced customer service.
2
Question
What must be noted on the Underwriter Doc Sheet if a decline decision is made?
Answer
Both 1st and 2nd decline calls must be noted on the Underwriter Doc Sheet as documentation that the field has been advised of the decision to decline.
3
Question
What should be attached in DIPMS for documentation purposes?
Answer
All emails related to a case need to be attached in DIPMS for documentation. Failure to adhere to this guideline could be detrimental if the case ever goes to litigation.
4
Question
What specific information must all Underwriters complete on Page 1 of the Underwriter Workscreen?
Answer
All Underwriters must complete the financial section of the Underwriter Workscreen, as well as the client's height, weight, and blood pressure information.
5
Question
What is the purpose of completing the financial section in the Underwriter Workscreen?
Answer
Completion of the financial section enables anyone picking up the case to easily recognize what coverage is in force as well as the income needed for total benefits determination. It also assists Mentors in understanding what Issue & Participation limits/programming was done to determine amounts and eliminates the need for rework when income documentation is received.
6
Question
What must an Underwriter do when a Tele-CMI, CMI or lab slip is received?
Answer
Underwriters must update build and blood pressure readings when a Tele-CMI, CMI or lab slip is received.
