Vocational Review (by the Insurance Company)

Vocational Review (by the Insurance Company) A vocational review is an assessment conducted by an insurance company to determine a claimant's ability to work, given their medical condition and limitations. Vocational reviews are typically used in disability insurance cases, but they may also be used in other types of insurance cases, such as life insurance and workers' compensation If the insurance company finds a claimant “not disabled,” they will often perform a cursory “vocational review.” The vocational analyst will take the restrictions the insurance company decides the claimant has and the skills the vocational analyst derives from a claimant’s past work history and come up with a list of jobs that the claimant can perform. The vocational analyst will state that these jobs are available in the claimant’s home region and that the job will pay usually, at least 80 percent of the claimant’s pre-disability earnings. This is done using Residual Functional Capacity (RFC). The RFC is the claimant's ability to perform work-related activities despite their limitations. The vocational expert reviews all of the medical records and doctor forms, and then they give an assessment as to whether you can do certain jobs given the restrictions that are put on you by your doctor. The insurance company uses the vocational expert's report to determine whether the claimant is eligible for benefits. If the insurance company determines that the claimant is able to work in some capacity, they may deny or terminate benefits. #benewinsurance #insurtech #inclusiveinsurance #insurance #reinsurance #takaful