Post by PPS Mutual

Mental health claims are rarely straightforward. They require a different lens - one that extends beyond diagnosis alone. As Marcello Bertasso, Head of Underwriting and Claims Management at PPS Mutual, explains, 'what insurers are really trying to understand is functional impact - how a client’s condition affects their ability to perform the specific duties of their role.' For advisers, this distinction is critical. A diagnosis provides context, but it is detailed medical evidence - particularly how symptoms affect day-to-day work - that shapes how a claim is assessed. Mental health conditions can fluctuate - meaning assessments may occur at multiple points. Understanding this approach helps explain why timelines differ and why patience is essential in supporting clients through mental health claims. It’s a nuanced area, and one that continues to grow in relevance across the profession. Read more in the full article 🔗 https://bit.ly/4cVOHVc #ppsmutual #mutuality #profitsharing #riskadvice #mentalhealth #insuranceprofessionals