American Fidelity Assurance Co., an insurance provider to education employees, trade association members and companies, has chosen to use Life Waiver Tool (LWT), a product of FastTrack RTW Services & Solutions, a division of Kamine Technology Group. American Fidelity will implement FastTrack's LWT product, which is designed to automate the medical and administrative tasks associated with waiver of premium claims.

FastTrack said LWT takes key claimant data and inputs it into a Physical Capabilities Form. The form uses an occupational library to identify and compare occupations, based on the claimant's individual restrictions and limitations as determined by a medical provider. Then, the claimant's ability to perform his own occupation or any occupation is determined, as specified in the claimant's life insurance policy.

FastTrack added that this automation standardizes and speeds the waiver of premium adjudication process, while providing adjudication assessment data. American Fidelity will use FastTrack's Administrative Services to perform specific administrative tasks, which will allow the company’s claims personnel to focus on core adjudication decision-making functions.   

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