The completed claim file cannot travel back to first notice
I examine why a retrospective insurance evaluation must preserve information available at its decision point, even when later fields are accurate and convenient.
Read the essayThe leadership journal
What an insurer learns later should not erase what remained unknown earlier.
A policy change can carry two different histories
I explain why the date a change refers to and the date it enters the record must remain distinguishable when an insurer examines what it knew at an earlier moment.
Read the essayThe claims still open are part of the duration story
I examine what a completed-case median can tell management, what it leaves unresolved and why open-case ages cannot simply be inserted as finished durations.
Read the essay