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Individual Disability

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    Your expert partner in individual disability insurance benefits

    Munich Re Life US is the largest reinsurer of individual disability insurance (IDI) in the U.S. — capturing more than ¾ of the reinsured new business in the market. Our vast expertise in analytics, underwriting, claims, and administration enable us to anticipate the market direction while embracing new ideas, behaviors and technologies. We are transforming the industry, expanding insurability and helping you grow.

    Partner with us, evolve and grow with confidence.

    Technology transformation

    Our clients have access to the latest technology advancements and opportunities that come from our broad industry exposure. Our Business Transformation team is continually developing new tools and refining processes to enhance risk evaluation. We partner with start-ups to test and bring the latest innovations to our industry. We offer the nation’s leading automated rules engine and pre-assessment tools to streamline new business submission and underwriting, and increase your close ratio.

    Introducing the Munich Re Claim Suite

    The Munich Re Claim Suite is a collection of innovative solutions delivered in partnership with leading insurtechs that address disability carriers’ biggest claim-related challenges. Learn how Munich Re can help disability insurers navigate the changing industry landscape with cutting-edge technologies that help prevent and reduce claims, return claimants to work faster and aid claim adjudicators in gaining a better understanding of their claimants lifestyles. 

    Sparta Science offers a science-based platform aimed at reducing the number of new and recurring claims, featuring customized risk profiling proven to reduce risk for musculoskeletal injury across a population and identify individual areas of weakness and limitation before pain or injury occurs.

    Learn more

    Re|examine the evolving insurance landscape

    Watch for our communications and register for webinars that focus on examining current issues that impact the group and living benefits markets.

    Leaders in underwriting and risk analysis

    Our in-depth IDI knowledge is exemplified by our financial and medical underwriting experts, all of whom bring direct-carrier experience. Our proprietary underwriting manual, EDGETM, is the number one manual in the United States. Our medical directors pride themselves on staying up-to-date with the latest medical research and advancements. 

    Operationalizing data analytics

    Munich Re’s Integrated Analytics department is eager to partner and support client data analytics ambitions.  In our approach, we:

    • Assess the value of various tools in the underwriting process
    • Look to the efficacy of credit scores
    • Digitize and structure the APS to assess risk and support the live scoring of cases
    • Calibrate our claims scoring models to each client, providing a claims score dashboard
    • Apply machine learning to detect key fraud drivers and decrease your fraud risk

    Claims adjudication

    The claims landscape is evolving every day. We provide support and deep expertise to help ensure your claims team has the proper risk management practices in place to pay claims accurately and efficiently. You are free to focus on fostering client relationships, knowing that we’ll support your claim adjudication goals. Our broad industry footprint and global expertise enable us to provide valuable consultation through:  

    • Training
    • Tools and best practices
    • Complex consultation
    • Claims requiring financial consultation
    • Mediation and settlement expertise
    • Claims analytics services
    • Vendor services
    Primary Contact
    Dawn McMaster
    Dawn McMaster
    2nd Vice President, Business Development
    Group & Living Benefits