Disability dilemmas put off insurer
Pinnacle Life’s Ed Saul was responding to calls across the Tasman for forensic testing on mental health disability claims.
Kelly Wilson, president and director of forensic services at Psy Barr, spoke at reinsurance firm RGA’s seminar in Sydney recently.
She said a forensic approach, using psychological testing, was better placed to offer evidence on whether claimants were sufficiently disabled to qualify for an insurance claim.
Saul said Pinnacle had stayed away from disability because the extent of a person’s disability was hard to prove or disprove. “This often leads to contest from both the insurer and the insured at the time of claim… it’s not like a death claim where the insured is either dead or alive.”
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