EvolutionIQ

🎉 Building, scaling, and adding great team members! 🚀 ✨ 👏 Please help us welcome some of our colleagues who recently joined EIQ: Alex Watler and Tejas Hosangadi 🤝

It's always energising to hear directly from the people facing the challenges in Income Protection. We eagerly await the Insurance Post article on the discussion being released soon. Robert Higgins we look forward to continuing the conversation.

If claim severity is rising, this is one lever firmly within our control. Nearly half of North American carriers cite social inflation and litigation pressures as major contributors to rising severity according to Gallagher Bassett’s 2026 Carrier Report. While we can’t control social inflation, we can control how early we identify and act on hidden complexity inside the claim file. The adjuster knows that a knee injury or lumbar strain rarely tells the full picture. What truly drives duration and cost is often hidden complexity, comorbidities like depression or obesity buried deep in unstructured notes and medical records. The data is stark: • 58% of claims contain a mental health comorbidity, yet only 8% are coded as a primary diagnosis • Claims with 7–9 comorbidities take 2.7x longer to resolve • Mental health conditions can extend claim duration by 195% • Obesity-related claims can stretch closure times by 180% Adjusters understand this intuitively. Our latest blog explores the quantifiable cost of this “Comorbidity Tax” and how claims teams can close the gap between frontline expertise and system visibility. Read more here: https://lnkd.in/eWH8UQe7 #WorkersCompensation #ClaimsManagement #Comorbidity #InsurTech #EvolutionIQ #AIinInsurance

𝐖𝐞 𝐚𝐫𝐞 𝐨𝐧𝐥𝐲 𝐚𝐬 𝐠𝐨𝐨𝐝 𝐚𝐬 𝐚𝐝𝐨𝐩𝐭𝐢𝐨𝐧. As we wrap up the month, we’ve been reflecting on some of the feedback from our partners. The common thread? Adoption. The testimonials we’re proud of don’t happen because technology exists. They happen because claims adjusters are actually using it every day, in real workflows, on real claims. When adjusters engage with the platform: • Insights surface earlier • Documentation becomes clearer • Decisions move faster • Outcomes improve Grateful to our partners who have leaned in, embedded the tools into their processes, and made the results possible.

EIQ continues to grow 🚀 🤝 Please join us in welcoming some fantastic new colleagues: Navin Mittal, Dumidu Wijayasekara, Rita Kirzhner, Joseph M., Kanishk Tripathi, Jason H., David Chan, Jason Groob,Matt McConville, Kanaad Deodhar, Andrew Abbey, Tucker Williams. 🥳 👏

This reinforces a growing priority: how to turn increasingly complex medical information into earlier insight and better outcomes for claimants. A trend will are watching closely and we’re focused on helping our partners navigate.

Customer feedback like this is what really matters. There’s no impact without adoption, and adoption only happens when a product consistently delivers real value to the people using it every day.

𝗪𝗵𝗮𝘁 𝗡𝗼 𝗢𝗻𝗲’𝘀 𝗦𝗮𝘆𝗶𝗻𝗴 (𝗕𝘂𝘁 𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴) 𝗔𝗯𝗼𝘂𝘁 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝗖𝗹𝗮𝗶𝗺𝘀 𝗔𝗯𝘂𝘀𝗲 𝗶𝗻 𝗔𝘂𝘁𝗼 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 The issue of medical claims abuse has officially moved from the margins of social inflation to the mainstream. What was once seen as isolated incidents of fraud is now being exposed as systemic behavior through high-profile legal action. Companies like Travelers, Liberty Mutual, and State Farm have all cited increased or even excessive medical claims costs in their financials. Recently, we witnessed Allstate accuse 17 shell companies of running a $𝟮 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 ultrasound billing ring that relied on sham clinics and dual‑billing tactics, while ATIC filed a $𝟰𝟱𝟬 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 lawsuit against more than 180 healthcare providers for allegedly submitting thousands of fraudulent no‑fault claims. The dollar figures are eye‑catching, but the deeper concern is structural: these practices distort the economics of auto insurance at scale. As Eric Brandt, Industry Advisor and former Claims Executive puts it: "While the subjects of litigation funding and nuclear verdicts take center stage, it’s important to remain vigilant on abuses in the medical system. Medical claims abuse is not just an SIU issue, it’s a strategic threat. When these patterns go unchecked, they inflate claims costs, distort risk assessment, and ultimately impact pricing, profitability, and brand trust across the entire portfolio.” The consequences are clear: medical abuse results in premium hikes, but the market is softening and cash strapped customers are shopping more. Not to mention, the operational drag on claims teams who are facing increased complexity, volatility and customer demands. Erik Bahnsen, Director of Industry Analytics at CCC Intelligent Solutions, recently published on LinkedIn, research showing that the regulatory environment surrounding injury claims, particularly social inflation creates a tendency for claim costs to outpace general inflation due to changing societal attitudes, healthcare costs, legal strategies, jury behavior, and more. <see graph> 𝗪𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗲 𝗽𝗮𝘁𝗵 𝗳𝗼𝗿𝘄𝗮𝗿𝗱? We need to move from detection to mitigation and even prevention. Modern, data-driven claims guidance platforms are essential to surface risk earlier in the lifecycle, connecting the dots across providers, protocols, and outcomes to expose patterns that are invisible at the single-claim level. Addressing this protects both the bottom line and the integrity of the entire auto casualty system. We cannot afford to normalize behavior that is so far from normal. We’ d love to hear from claims leaders and adjusters: how are you seeing medical claims abuse impact your teams today and what do you think has to change? #AutoInsurance #Claims #SocialInflation #MedicalClaims

Claims work involves difficult conversations and putting a value on things that often feel priceless; health, independence, security. Adjusters carry that weight every day, we need to give them a lift. This article, Reaffirming the Meaning of Claims Work in the Age of AI resonates with us because the conversation is about purpose, meaning,  human impact and feeling valued. A Gallup and Stand Together survey of 4,475 working adults found that employees with a strong sense of purpose were 5.6x more engaged than those without. We have probably all have or will experience AI challenging our sense of competence at work, a core psychological need. AI can help us move faster but if it only speeds up the process, we miss the point. When we use it to make claims more human, thoughtful, and impactful, we protect what makes this profession meaningful. Our mission is simple: 👉 Help people get their lives back together during difficult moments. 👉 Support claims professionals so they can do their best work and find meaning in the role they play. #Claims #Insurance #AI #PurposeDrivenWork #Leadership #Insurtech #FutureOfWork https://lnkd.in/e2t7R4-D utm_campaign=Alan%2BDemers&utm_medium=email&utm_source=chatgpt.com

🎉 Kicking off the new year with growth at EIQ! ✨ Please help us welcome some of our newest colleagues: Steven Isaac, Jason Fontaine, Michal Glowacki, Melissa Vadasserril, Vasudev A., Kyle F., Josef A., Amanda Duvall CPCU, SCLA, AIC-M, AIM, ARe, AINS, ARM, AU-M, ARC 🥳