Systems and methods for analyzing insurance claims associated with long-term care insurance

A system for processing an insurance claim associated with a long-term care insurance policy held by a customer residing in a property, the property populated with a plurality of devices and a hardware controller connected to the plurality of devices, each of the plurality of devices incorporating at least one sensor, comprising:

• a communication module adapted to communicate data via a network connection;
• a user interface configured to display information;
• a memory adapted to store non-transitory computer executable instructions;
• and
• a processor adapted to interface with the communication module, the user interface, and the memory, wherein the processor is configured to execute the non-transitory computer executable instructions to cause the processor to:
• receive, via the communication module, an insurance claim for the long-term care insurance policy, the insurance claim initiated by a caregiver and indicating a set of purported services performed by the caregiver,
• cause the user interface to display an indication of the insurance claim,
• receive, from a user via the user interface, a selection to initiate a comparison between the set of purported services and data collected by the plurality of devices,
• in response to receiving the selection to initiate the comparison:
• determine, from the insurance claim, at least a portion of the set of purported services that are verifiable,
• identify, based on a data record associated with the long-term care insurance policy, at least a portion of the plurality of devices that corresponds to at least the portion of the set of purported services, and
• send, to the hardware controller via the communication module, a request for a set of data collected by at least the portion of the plurality of devices, wherein the hardware controller relays the request, via a local communication network, to at least one of (i) at least the portion of the plurality of devices or (ii) a database associated with the hardware controller, the database storing of the set of data collected by at least the portion of the plurality of devices, wherein the request includes a set of specific time periods associated with when the set of purported services were performed,
• receive, from the hardware controller via the communication module, the set of data collected by at least the portion of the plurality of devices, the set of data transmitted, to the hardware controller via the local communication network, from at least one of (i) at least the portion of the plurality of devices or (ii) the database associated with the hardware controller, the set of data indicating, for each of at least the portion of the plurality of devices, a set of activations and deactivations of the at least one sensor incorporated into the respective device,
• analyze, for each of at least the portion of the plurality of devices, the set of activations and deactivations of the at least one sensor incorporated into the respective device,
• based on analyzing the set of activations and deactivations, calculate a set of time periods during which each of at least the portion of the plurality of devices was activated,
• determine a set of actual services performed within the property including,
• for each of the set of time periods, comparing the respective time period to a requisite time period associated with a service performance,
• compare the set of purported services to the set of actual services, and
• after the comparing, cause the electronic device to display, in the user interface, a monetary amount of the set of purported services and a monetary amount of the set of actual services, wherein the user interface further displays, concurrently with the monetary amount of the set of purported services and the monetary amount of the set of actual services, (i) a selection for approving the insurance claim, (ii) a selection for denying the insurance claim, and (iii) a selection for further inquiring about the insurance claim.