How do major disability carriers handle recurring claims for the same mental health condition under the recurrent disability provision within a rolling twelve month window?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do major disability carriers handle recurring claims for the same mental health condition under the recurrent disability provision within a rolling twelve month window?
2 real searches · 1 real-search pass
major disability insurance carriers recurrent disability provision mental nervous condition rolling 12 months policy wording Unum Guardian MetLife The Hartford PrudentialGoogle ↗
OBSERVEDOther / navigational
disability insurance recurrent disability provision 12 months same condition mental health claim carrier policy certificateGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
major disability insurance carriers recurrent disability provision mental nervous condition rolling 12 months policy wording Unum Guardian MetLife The Hartford Prudential Google ↗
disability insurance recurrent disability provision 12 months same condition mental health claim carrier policy certificate Google ↗
- Group Disability Insurance Policies & Coverage · unum.com
- Your LTD Schedule of Benefits · origin-intl.metlife.com
- Long-term Disability Summary Plan Description | Human Resources · rit.edu
- 1) after the Elimination Period; and · llnl.gov
- Guardian provider choice disability insurance specimen policy (GSI reference) · setforlifeinsurance.com
- Group Long Term Disability Insurance · standard.com
- Group Disability Income Insurance Policy and Certificate Uniform Standards · insurancecompact.org
- Exhibit_B__The_Standard_LTD_Cert.pdf – Group Life & Disability and Supplemental Health Benefits (RFP-1-26-12) · govtribe.com
- Unum LTD Certificate Booklet Group 1 · online.flippingbook.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
major disability insurance carriers recurrent disability provision mental nervous condition rolling 12 months policy wording Unum Guardian MetLife The Hartford Prudential OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
disability insurance recurrent disability provision 12 months same condition mental health claim carrier policy certificate OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |