Blue Collar Groups

[ABC]

Underwriting is next to impossible with these groups.
It does not seem to be getting any better.

I am seeing way high claims from less than 10% of the group.

I had an awesome deal but when we got to underwriting we had one person that was incurring $300,000 in claims a year.
We had another one at $200,000.

There is just no answer for these types of situations that is legal.

 

[Ann H]

Underwriting is next to impossible with these groups.
It does not seem to be getting any better.

I am seeing way high claims from less than 10% of the group.

I had an awesome deal but when we got to underwriting we had one person that was incurring $300,000 in claims a year.
We had another one at $200,000.

There is just no answer for these types of situations that is legal.

I think that's why they vote for Unions or want health care reform. I've found a lot of diabetes in those groups for some reason.

 

[somarco]

Blue collar groups (along with hospitals and law firms) have always been an actuarial challenge.

All 3 have heavy utilization and blue collar groups have serious lifestyle issues that lead to major claims.