Fear re-injury
4.6×
more likely to stay disabled long-term
Workers who fear re-injury are more than four times as likely to stay disabled long-term — regardless of injury severity.
Cognitive Risk Intelligence: Why what's in their head can cost more than what's on their MRI
Every claims team knows this: two claimants, same diagnosis, same injury severity — one returns to work in three weeks, the other becomes a six-figure file. The difference isn't the injury because medically, there is no difference. It’s the mindset. That's what Precuro measures in workers’ comp, disability, and for TPAs, captives and reinsurance.
THE INSIGHT
The research is unambiguous.
Source: Turner et al (2006). Prediction of chronic disability in work-related musculoskeletal disorders: A prospective, population-based study.
Doubting recovery
3.1×
more likely to stay disabled long-term
Those who doubted recovery were three times more likely to stay disabled long-term.
Resilience
Stronger predictor than injury
Across literature, psychosocial factors often predict prolonged disability better than basic injury-severity scores.
A new risk variable. Collected at intake.
Precuro's Cognitive Risk Intelligence (CRI) is a brief, non-clinical assessment deployed at first notice of loss. It measures the cognitive response patterns that predict claim duration, escalation risk, and STD-to-LTD conversion — without collecting any medical, diagnostic, or protected-class data.
No HIPAA. No GINA. No protected-class variables. ADA compliant. Designed from the ground up to operate within U.S. claims workflows.
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HOW IT WORKS IN CLAIMS TRIAGE & MANAGEMENT
Simple process. Significant impact.
Prioritize
On day one, every claim looks the same. CRI gives you a signal that doesn't exist anywhere else at that moment — which files are likely to extend, escalate, or convert to long-term.
Allocate
Your case managers already have the tools. CRI tells them which files justify intensive management from day one — same resources, directed where they actually change the outcome.
Route
CRI doesn't just flag high-risk claimants. It identifies how they respond to pressure — so you can match the intervention to the person, not just the file.
Frequently Asked Questions
Common inquiries about our services and how we can help you.
What is Precuro's core offering?
Precuro provides a science-driven risk intelligence platform that assesses cognitive patterns to enhance proactive risk management and underwriting in insurance.
How does your assessment work?
Our non-clinical psychometric assessment identifies cognitive risk factors linked to disability and workers' comp, enabling early intervention and better risk modeling. Most risk models need history to work. Ours doesn't. CRI predicts claim trajectory from thought patterns alone — no medical records, no prior diagnoses, no demographic inputs.
How does CRI apply at the portfolio level, not just individual claims?
When CRI is deployed at scale across a book, the aggregate output creates a cognitive risk profile of the population — not just individual flags. This enables actuaries and underwriters to identify segments with elevated psychological risk concentration, improving reserve projections, pricing assumptions, and reinsurance treaty decisions. The signal is most valuable when it accumulates: a single assessment tells you about one claimant; ten thousand assessments tell you something about the book.
Where is Precuro located?
Precuro is a Swedish company based i Stockholm
