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Understanding the Data Details

Data details — what's in? What's out?

If you are short on time, or if you have a particular question that you need answered, please use these hyperlinks to navigate through the many pages of information:

This section provides data guidelines that can be used for all CR&A reports. Please check Reports and Services for more details on individual reports.


Before we begin with the data details, let's answer two important questions:

  • Why do some reports graph the information, while other reports list out the details?
  • There are so many reports. Where do I go to find information on the data and/or the fields that are included in each report?

To answer the first question, we create reports which are usually analytical or transactional. When you want to look at claims over a period of time to discover patterns, use the analytical reports. Analytical reports contain graphs which help you answer questions like "Compared to last quarter, have the total number of claims increased?" On the other hand, transactional reports help answer questions like "When did Unum receive the STD claim for John Doe?" When you want to look for information on individual claimants, or for more detail on a particular group of claims (e.g., all new claims), use the transactional reports.


Information on the type of report, analytical or transactional, can be found in the cheat sheet of available reports by product and frequency of updates. If you know which report you want, but you are unsure about where to find it, here is a general rule of thumb: transactional reports are usually found in the Claims Activity Report Wizards and analytic reports are typically found in the Compare or Trend Report Wizard sections of the Create a Report menu.


As for the question about the data that is included in the various reports, we have created report samples, glossaries, and cheat sheets to help you. The report samples do not represent every product or option available for each report, but they can be used to point you in the right direction. When you need to know the options for each report, find the report under the Reports and Services. With all that said, we know that you may not be able to remember the 125 possible columns of data that are included in the Claim Status Report (with different fields for the integrated summary and for each product) so a table of the field names for that report are included here.


General data details

  • A low number of claims in analytical reports may distort comparisons and may not be indicative of future claim patterns.
  • Claims which were marked up in error (MUERR) are excluded from all reports unless they have been paid for a period of time.
  • For Self-Insured Advice to Pay customers, certain data fields will be blank if Unum does not process claim payments.
  • Unum data may not include claims from a prior carrier.



Which claims are included?

  • Duration is only calculated for terminated claims (claims closed after a period of receiving disability benefits). Durations for non-compensable claims are not included.
  • Also, if a claim is missing a key piece of the duration measurement (e.g., the disability date or the paid through date), the duration will not be included because it cannot be calculated.

How is it measured?

  • The Disability Compare Report, STD Duration Report, Summary of Key Indicators Report and Data Analyzer all measure duration the same way:
    1. Duration is measured in calendar days (or months in the case of LTD) from disability date to the paid through date. Consequently, it includes the elimination period (EP).
    2. These reports review claims which had been paid for a period of time and were closed in the period.
    3. All of these reports are most useful when analyzing STD durations.
  • The Health Condition Claim Duration Compare Report and the Demographic Claim Duration Compare Report take a different approach to measuring duration and are more useful when utilizing LTD durations:
    1. These reports review claims that are currently closed, but had been paid for a period of time. The review period includes claims with disability dates in the period (not necessarily closed within the period).
    2. One of the advantages of this approach is that the duration comparisons are more consistent. In the case of LTD claims, where claims last a long time, it is particularly important to begin analysis by locking the claims in a particular disability timeframe (all claims fall into one disability date range) and then measure duration of the closed claims.
    3. The Health Condition Claim Duration Compare Report is most useful when analyzing the financial impact of durations. The duration is measured from EP to paid through date; therefore, it does not include the EP.
    4. On the other hand, the Demographic Claim Duration Compare Report includes the EP and spans the entire productivity loss.


Diagnosis categories

The following table can be used to determine the specific diagnostic codes that are included in each diagnostic category:


Category  Diagnostic code
Infectious/parasitic 001-139
Tumor  140-239
Mental disorder  290-319
Nervous/sensory 320-389
Circulatory 390-459
Respiratory 460-519
Digestive 520-579
Genitourinary 580-629
Pregnancy* 630-676
Musculoskeletal/connective 710-739
Injury/poisoning* 800-999
Other 240-289, 677-709, 740-799, A00-ZZZ

*Special Notes:

  • The majority of pregnancy claims are filed with 650 or V22 diagnostic codes. For this reason, the Lost Time Trends Report detail tab excludes only those 2 codes in the exclude maternity category. However, please note that the Data Analyzer exclude maternity filter will exclude all diagnostic codes in the Pregnancy range (630-676).
  • Back injuries are categorized with all other injuries in the "Injury/Poisoning" category.
  • View a complete listing of diagnostic codes.


Security measures individual privacy: SSN and diagnosis information

The security measures below outline the various security measures established for fully-insured and self-insured CR&A reports and for self-insured core reports. (Self-insured claims information exists with the rest of the CR&A analytical and transactional reports, but there are also separate reports designed to meet the payroll needs of our self-insured clients. Those self-insured reports are often referred to as the SI Core Reports.)



  • Each individual user is granted SSN security access that allows them full, partial, or no access to SSNs. This privilege is established and can be changed at any time through the Registration Form.
  • In addition to SSN access options, all reports with SSN data columns allow users to change the display of SSNs in their reports. For example, users with full access to SSNs may elect to produce reports that only display a partial SSN.


  • There is no diagnostic information at the individual claimant level for any fully-insured STD or fully-insured LTD reports.
  • Access to the SI Core Diagnostic Category Report should only be granted to users who are allowed to see diagnosis information. The diagnosis information in this report cannot be suppressed.
  • For all other CR&A and SI Core Reports, security access CAN be changed to eliminate the diagnosis data fields from reports that contain this information.
  • There are several CR&A reports*, which both fully-insured and self-insured customers can access, that provide diagnosis information on an aggregate basis:
    1. Demographic claim duration compare report (diagnosis information only available for LTD customers)
    2. Disability compare report
    3. Disability top ranking diagnostic report
    4. Health condition claim duration compare report

* For these reports, there must be at least twenty five claims in the reporting period in order for the data to be reported. In accordance with privacy laws and Unum policy, this security measure helps to protect the privacy of the claimants.


Frequency of data updates

Each report has a Data as of Date on the bottom of the report that lets you know when the data was refreshed. The reports are updated daily, weekly, monthly, or quarterly, so please refer to the cheat sheet of available reports by product and frequency of updates for specific information for each report.

An important note for daily reports: In order for the claim data to be ready for Internet transfer, CR&A requires an overnight transfer and then a full day of integration into the reporting databases. Because of this, all daily reports, except the FMLA reports, have up to a 2-day data processing delay.


Understanding the available products for each report

Not every report is designed to give you information on all products. (Refer to the Cheat Sheet of Available Reports by Product and Frequency of Updates ((Products and Data))for more information.) To find out whether or not the product information can be combined in a single report, please refer to the Available Products section for each report. The FMLA and Group Life reports do not require you to select the product, but the Disability reports do. If you are uncertain on the code for a product in the report wizard, use this information to help select the correct product:


Product* Radio button or check box
Fully-insured STD STD
Self-insured STD SI-STD or SIS
Fully-insured LTD LTD
Self-insured LTD SI-LTD or SIL

* Unless explicitly specified, when we refer to STD information or LTD information in this guide, we mean both fully-insured and self-insured STD or LTD product information.


Understanding the date range (review period) and the claim types for all reports

It is important to read through the Data Details in the individual reports, butthis information will give you a basic understanding of how claims are included in reports. The bottom line is that while a users choices on two reports might be identical, the report-defined information might be different. The date range (or review period) and claim type affects which claims will be pulled into the report. The frequency in which the data is updated also affects the claims that will be included in the report.


Generally speaking, there are two considerations which determine the claims that will be selected for each report:

  • user or report-defined time period for review (e.g., from Quarter 1 to Quarter 4)
  • user or report-defined claims to include (e.g., new claims).


Sound confusing? Its easier to understand than you might think. Some reports are static reports that look at a period of time (e.g., rolling 12 months of data) and/or a type of claim (e.g., closed). This is coded into the report and cannot be changed by the user. The reason for this may be:

  • to provide you with a large enough snapshot of data so that you can quickly identify legitimate patterns, or
  • to help isolate certain claims to make the report more meaningful (reports that calculate duration use closed claims only).


On the other hand, many reports allow you the flexibility to select the time period and/or the type of claim that is most meaningful to you. In these cases, it is important to consider that though you may have selected the same type of claim and time period for two reports, the report result may be different because the data in the reports may be updated on different schedules. (Refer to the Frequency of data updates section for more information.)

If you are still unsure which claims are included after reading the Data Details for the individual report, please contact us via the Feedback button on the CR&A website and we will be happy to assist you.


Understanding the peer comparisons (comparable business)

The Unum disability database is the largest private disability database in the world; one tangible application is the unique ability to compare your results with other companies that Unum covers. Our comparison reports use the Standard Industrial Classification Code (SIC) that Unum has on record for each customer.


Peer comparisons include both self-insured and fully-insured data.


Because the peer comparison data always excludes the customer's claim experience, sometimes the SIC code may be expanded to a range of SIC codes if the customer's claims make up more than 1/2 of the comparison group. The legend on the graph will clearly identify the SIC or SIC range that is used.