Patent ID: 8484054

Claim:
A computer system for administrating an insurance premium adjustment program, the system comprising: a data storage device that stores a database, the database containing data relating to a plurality of personal insurance policies that cover individuals; an input device configured to receive data indicative of a disability status for ones of said individuals, the data received from at least one employer of said individuals, the disability status associated with a disability insurance policy of the at least one employer; a processor in communication with the data storage device and the input device; and a non-transitory storage medium in communication with the processor and storing program instructions, the processor operative with the program instructions to: receive the data indicative of disability status; determine which of the individuals are disabled, the determination made based on a verification of whether payments are being made to the individual under the disability insurance policy of the at least one employer; adjust data indicative of premiums associated with said personal insurance policies of each of said individuals that are disabled in response to the data indicative of disability status.