Proper claim

Insurance claim that is submitted to the insurance carrier in a timely manner and meets all other claims filing requirements of the third-party payer (e.g., mandatory second opinion or prior authorization or approval before treatment).

Prorate

Proportionate reduction in the amount of insurance benefits payable as provided in the contract. Some examples for proration would be because the insured changed to a more perilous job, because benefits payable by all the insured’s disability insurance are more than his or her current earnings over the preceding 2 years, or because the insured is actually older than stated in a life insurance application.

Proration

MEDICAL,USA: Act of modifying an insurance policy’s benefits because of some type of change (e.g., insured’s occupation).
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The adjustment of the benefits paid by reason of change of occupation or the existence of other Insurance covering the same accident or disability.
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The modification of policy benefits because of a change in the insured person’s occupation or the existence of other insurance.