Patent US6014632A successfully refreshed from Google Patents.
US6014632A
Expired / Lapsed
US
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Apparatus and method for determining insurance benefit amounts based on groupings of long-term care patients with common characteristics
Assignee: MEGA GROUP INTERNATIONAL Ltd
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Filing: 1997-04-15
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Granted: 2000-01-11
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Expires: 2017-04-15
Abstract
Abstract A method for using a digital electrical apparatus to electrically process signals in generating output for insurance documentation, the method including the steps of: in a digital electrical computer apparatus comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data by steps including: defining a plurality of patient categories; and for each of the categories, determining a periodic duration-specific insurance benefit amount for long-term care patients; the method further including the step of inserting the periodic duration-specific insurance benefit amounts in a long-term care insurance policy.
Inventors
- 👤 Michael R. Gamble
- 👤 Jerry D. Wilson
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-07 12:19
CPC Classifications
G; G06; G06Q; G06Q99/00; G06Q10/00; G06Q10/10; G06Q40/00; G06Q40/08
Claims Analysis
Total Claims: 20
Claim 1
Independent Claim
159 words
A method for using a digital electrical computer apparatus to electrically process signals in generating output for insurance documentation, the digital electrical computer apparatus comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data method including the steps of: defining a plurality of patient categories; and for each of said categories, determining a periodic duration-specific insurance benefit amount for a long-term care patient, and inserting said periodic duration-specific insurance benefit amounts in a long-term care insurance policy.
Claim 2
Independent Claim
159 words
A method for using a digital electrical computer apparatus to electrically process signals in generating output for insurance documentation, the digital electrical computer apparatus comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data method including the steps of: defining a plurality of patient categories; and for each of said categories, determining a periodic duration-specific insurance benefit amount for a long-term care patient, and inserting said periodic duration-specific insurance benefit amounts in a long-term care insurance policy.
Claim 3
Dependent Claim
36 words
The method of claim 1, wherein the step of determining includes: associating a value with each said category; and applying a filter to each said value such that the amounts are scaled solely by the filter.
Claim 4
Dependent Claim
49 words
The method of claim 1, wherein the step of inserting is carried out by the apparatus such that the policy is a portion of the documentation corresponding to the machine readable signals in the memory device; and further including the step of computing a premium for the insurance policy.
Claim 5
Dependent Claim
31 words
The method of claim 1, wherein the step of defining includes specifying medical conditions for each said category; and further including the step of computing a premium for the insurance policy.
Claim 6
Dependent Claim
31 words
The method of claim 1, wherein the step of defining includes specifying physical conditions for each said category; and further including the step of computing a premium for the insurance policy.
Claim 7
Dependent Claim
31 words
The method of claim 1, wherein the step of defining includes specifying psychological conditions for each said category; and further including the step of computing a premium for the insurance policy.
Claim 8
Dependent Claim
31 words
The method of claim 1, wherein the step of defining includes specifying patient cost for each said category; and further including the step of computing a premium for the insurance policy.
Claim 9
Dependent Claim
46 words
The method of claim 1, wherein the step of determining is carried out to reflect a cost for receiving long-term care in a setting other than either a nursing home or nursing facility; and further including the step of computing a premium for the insurance policy.
Claim 10
Dependent Claim
176 words
Apparatus for electrically processing signals in generating output for insurance documentation, the apparatus including: a digital electrical computer system comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data by defining a plurality of patient categories having one of a maximum benefit amount and a minimum benefit amount, the processor being programmed such that for each of said categories, the processor determines a periodic duration-specific insurance benefit amount for a long-term care patient, the processor being programmed further for inserting said periodic duration-specific insurance benefit amounts in documentation for a long-term care insurance policy.
Claim 11
Dependent Claim
176 words
Apparatus for electrically processing signals in generating output for insurance documentation, the apparatus including: a digital electrical computer system comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data by defining a plurality of patient categories having one of a maximum benefit amount and a minimum benefit amount, the processor being programmed such that for each of said categories, the processor determines a periodic duration-specific insurance benefit amount for a long-term care patient, the processor being programmed further for inserting said periodic duration-specific insurance benefit amounts in documentation for a long-term care insurance policy.
Claim 12
Dependent Claim
46 words
The apparatus of claim 9, wherein the processor is programmed for associating a value with each said category and applying a filter to each said value such that the amounts are scaled solely by the filter; and wherein said insurance policy includes a maximum benefit duration.
Claim 13
Dependent Claim
30 words
The apparatus of claim 9, wherein the processor is programmed such that the policy is a portion of the documentation corresponding to the machine readable signals in the memory device.
Claim 14
Dependent Claim
18 words
The apparatus of claim 9, wherein the processor is programmed for specifying medical conditions for each said category.
Claim 15
Dependent Claim
18 words
The apparatus of claim 9, wherein the processor is programmed for specifying physical conditions for each said category.
Claim 16
Dependent Claim
18 words
The apparatus of claim 9, wherein the processor is programmed for specifying psychological conditions for each said category.
Claim 17
Dependent Claim
18 words
The method of claim 9, wherein the processor is programmed for specifying patient cost for each said category.
Claim 18
Dependent Claim
33 words
The apparatus of claim 9, wherein the processor is programmed for including as the input data cost for receiving long-term care in a setting other than either a nursing home or nursing facility.
Claim 19
Independent Claim
169 words
A method for making an apparatus for electrically processing signals in generating output for insurance documentation, the method including the steps of: providing a digital electrical computer system comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data by defining a plurality of patient categories; and for each of said categories, the processor being programmed for determining a periodic duration-specific insurance benefit amount for a long-term care patient(s); the processor being programmed further for inserting said periodic duration-specific insurance benefit amounts in a long-term care insurance policy.
Claim 20
Independent Claim
169 words
A method for making an apparatus for electrically processing signals in generating output for insurance documentation, the method including the steps of: providing a digital electrical computer system comprising a digital computer having a processor, the processor electrically connected to a memory device for storing and retrieving operations including machine-readable signals in the memory device, to an input device for receiving input data and converting the input data into input electrical data, to a visual display unit for converting output electrical data into output having a visual presentation, to a printer for converting the output electrical data into printed documentation, wherein the processor is programmed to control the apparatus to receive the input data and to produce the output data by defining a plurality of patient categories; and for each of said categories, the processor being programmed for determining a periodic duration-specific insurance benefit amount for a long-term care patient(s); the processor being programmed further for inserting said periodic duration-specific insurance benefit amounts in a long-term care insurance policy.
References Cited (Backward Citations)
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-01-10 | 2003-07-12 | 2004-01-11 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-01-10 | 2007-07-12 | 2008-01-11 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-01-10 | 2011-07-12 | 2012-01-11 | $7700.00 | Window Closed / Lapsed |