Misrepresentation is when incorrect, incomplete, or misleading information is provided during an application process. It can have serious consequences for whether a future claim is paid. Most income protection claims are paid in full. However, those that are not, often fail due to misrepresentation, errors or omissions made during the application process. These case studies highlight the differences between innocent, careless and deliberate misrepresentation, and how each one can impact the outcome of a claim.
Innocent Misrepresentation
Our first case study explores innocent misrepresentation, where a client unintentionally provided incorrect answers on their application, but was found…
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Careless Misrepresentation
Our second case study looks at Careless Misrepresentation, where a client left out important medical information by mistake. The insurer…
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Deliberate Misrepresentation
Our third case study explores deliberate misrepresentation, where a client knowingly provided false information on their application in order to…
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These case studies are part of our 7 Claims Stories initiative. To learn more about why misrepresentation matters, read our blog post on the topic, along with our deep dive into emerging technologies in income protection misrepresentation management:
Misrepresentation Matters
Misrepresentation is when incorrect, incomplete, or misleading information is provided during an application process. It can have serious consequences for…
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Strategic Implementation of Vocal Biomarker Technology in Income Protection Insurance
Leveraging empath-AI.co.uk to Combat Misrepresentation and Modernise Claims Management. Submitted by: www.empath-AI.co.ukIncome protection providers face rising strategic risks: escalating mental…
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