Life Claims

At Innovate we specialise in providing a range of assessments tailored specifically to the Life Claims market. Our assessments are bespoke for Individual Income Protection, Group Income Protection, Critical Illness and Total Permanent Disability claims.

They are designed to provide you with the information you need to really bring the claim to life and deliver clear, clinically based opinions as to the claimant’s functional ability and work capacity.

Our Clinical Consultants have a wealth of clinical experience in a number of healthcare settings and as such are ideally placed to assess a variety of medical conditions. Our experience within Life Claims means we are fully aware of your needs as a claims handler and we are able to provide you with the answers you need to help you progress the claim.

We pride ourselves on our ability to adapt our assessments to your needs – if you can’t find an assessment which you feel with answer the questions you have just ask and we’ll be happy to discuss the best service for you.
We can complete an assessment with a claimant at any time during the claims process, depending on the type of information you need. Our assessments utilise a holistic approach to look in detail at the effect of a claimant’s condition on every aspect of their lives, from day-to-day function, social support, psychological well-being, and return to work. This gives you a full picture of their current circumstances as well as their future prognosis and likelihood of recovery and return to work and function.

Our Clinical Consultants can also provide return to work services to your claimants to help them return to the workplace. This pro-active support can also involve organising appropriate treatment for claimants to address their medical conditions, thereby enabling their return to work sooner and reducing the cycle of the claim. Please feel free to ask if you would like more information on our case management services and how these can help.