Überhöhte Verwaltungskosten im Schadensprozess für psychische Erkrankungen

Definition

Guides for TPD and other mental health claims emphasise that the process involves complex insurance policies, strict evidentiary requirements and detailed psychiatric or psychological reports, along with employment records and other documents.[1][2] Insurers like MetLife explain that they must collect comprehensive financial, medical and personal information and liaise with doctors and specialists, acknowledging that the process can be lengthy.[3] Reports commissioned by Australian government bodies on mental health impacts of compensation claim assessment processes highlight the intensity of the documentation and assessment burden for mental health claims.[9][10] For clinics and advocacy services supporting such claims, staff often help patients gather records, draft supporting letters, and respond to insurer queries, activities that are rarely fully billable. If a practice manager or clinician spends 2–4 hours per complex mental-health-related insurance claim (TPD, income protection, workers’ compensation) at a blended cost of AUD 60–120 per hour, and supports 150–300 such cases per year across a medium-sized multi-clinician practice or network, annual internal labour cost ranges from approximately AUD 18,000 to AUD 144,000. Even using a conservative mid-point of 250 hours per year at AUD 60/hour yields about AUD 15,000 in largely avoidable or reducible admin overhead.

Why This Matters

The Pitch: Mental health providers and support services in Australia 🇦🇺 geben jährlich geschätzt AUD 15,000–40,000 an Arbeitszeit für manuelle Datensammlung, Formularausfüllung und Nachverfolgung von komplexen psychischen Schadensfällen aus. Digitale Workflows, Vorlagen und Datenintegrationen senken diese Kosten deutlich.

Affected Stakeholders

Practice managers, Psychologists, psychiatrists and social workers, Claims advocacy teams within NGOs and veteran services, Law firms and financial advisers assisting with TPD claims, Insurer case managers

Related Business Risks