The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 14, 2026
Filed:
Aug. 26, 2022
Massachusetts Mutual Life Insurance Company, Springfield, MA (US);
Martha Grace, Springfield, MA (US);
Quentin Dupupet, Springfield, MA (US);
Emma Livingston, Springfield, MA (US);
Stacy Metzger, Springfield, MA (US);
Marc Maier, Springfield, MA (US);
Massachusetts Mutual Life Insurance Company, Springfield, MA (US);
Abstract
A system and method for Medical Claims Risk Score (MCRS) algorithmic underwriting includes a predictive machine learning model configured to generate underwriting decisions on electronic applications. MCRS underwriting applies word embedding modeling, such as GloVe (global vectors), to transform high dimensional MC records into single-code word vectors. These single-code word vectors are employed in regression modeling, and may include summarized embedding coordinates aggregated at the applicant level. Regression modeling uses medical claim codes data and underwriting decision data stored for historical underwriting applicants to train a random forest model to predict relative mortality risk for underwriting applicants. A risk rating may be derived from the underwriting decision data based upon standard quantitative risk ratings of a plurality of risk classes. Other inputs to the random forest model may include cohort level applicant profile data, such as applicant issue age and sex.