Risk Assessment and Claims Handling in Mental Health Insurance

This case study explores the complexities of risk assessment and claims handling in life and disability insurance, focusing on the increasing challenges posed by mental health conditions. It introduces the Mental Health Calculator developed by Dr. Laura Laprell and Dr. Julia Weinelt, which aids in evaluating multiple mental health diagnoses and their impact on risk assessment. The study highlights the importance of early detection and the integration of functional disorders in underwriting proce