In the case of long-term disability claims, the senior claims officer, after performing the disability assessment, requires a full medical report in order to assess the benefit entitlements. Before sending a request for a full medical report to the health provider, the junior claims officer sends the customer a request to sign a form authorizing InsureIT to request such a medical report from their health provider. Once the medical report arrives, the senior claims officer reviews the report, and then determines the monthly benefits entitlement and the rest of the process continues like in the case of short-term disability claims.