Patents by Inventor Bradley D. Molinsky
Bradley D. Molinsky has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11544805Abstract: An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.Type: GrantFiled: April 27, 2020Date of Patent: January 3, 2023Assignee: Hartford Fire Insurance CompanyInventors: Bradley D. Molinsky, Karen L. Reich, Nathaniel J. Wilson
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Publication number: 20200258177Abstract: An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.Type: ApplicationFiled: April 27, 2020Publication date: August 13, 2020Inventors: Bradley D. Molinsky, Karen L. Reich, Nathaniel J. Wilson
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Patent number: 10636103Abstract: An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.Type: GrantFiled: December 8, 2008Date of Patent: April 28, 2020Assignee: Hartford Fire Insurance CompanyInventors: Bradley D. Molinsky, Karen L. Reich, Nathaniel J. Wilson
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Publication number: 20140114704Abstract: According to some embodiments, a workers' compensation insurance premium may be calculated for a workers' compensation insurance policy covering a group of employees employed by an employer. Moreover, supplemental bundled insurance premiums may be calculated for each employee to provide individual, supplemental bundled insurance policies. The supplemental bundled insurance premiums may be contingent upon the employer's agreement to pay the workers' compensation insurance premium. By way of examples, the supplemental bundled insurance policies might be associated with one or more of short term disability insurance, long term disability insurance, accidental death insurance, accidental disability insurance and/or hospital accident insurance.Type: ApplicationFiled: December 31, 2013Publication date: April 24, 2014Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Bradley D. Molinsky, Damien D. Balazs, Gordon Hui, Carmen L. Sharp
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Patent number: 8655686Abstract: According to some embodiments, a workers' compensation insurance premium may be calculated for a workers' compensation insurance policy covering a group of employees employed by an employer. Moreover, supplemental bundled insurance premiums may be calculated for each employee to provide individual, supplemental bundled insurance policies. The supplemental bundled insurance premiums may be contingent upon the employer's agreement to pay the workers' compensation insurance premium. By way of examples, the supplemental bundled insurance policies might be associated with one or more of short term disability insurance, long term disability insurance, accidental death insurance, accidental disability insurance and/or hospital accident insurance.Type: GrantFiled: October 24, 2011Date of Patent: February 18, 2014Assignee: Hartford Fire Insurance CompanyInventors: Bradley D. Molinsky, Damien D. Balazs, Gordon Hui, Carmen L. Sharp
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Publication number: 20130253959Abstract: A computer system for processing of data associated with insurance coverage includes a data storage device storing data indicative of: an insured; a maximum benefit amount payable under the insurance coverage; a first category of risks; a second category of risks; a first benefit allocation corresponding to the first category of risks; and a second benefit allocation corresponding to the second category of risks; the benefit allocations being fractions of and totaling the maximum benefit amount. A processor of the system is configured to, responsive to the receipt of data indicative of a claim, determine eligibility for a benefit, and responsive to determining that the insured is eligible, provide output data indicative of a benefit amount, the benefit amount for each of the categories of risks having a maximum equal to the corresponding benefit allocation.Type: ApplicationFiled: May 20, 2013Publication date: September 26, 2013Applicant: Hartford Fire Insurance CompanyInventors: Katherine READ, Edward JAWORSKI, Steve MCCONNELL, Ahmed SHAHER, Theresa WADSWORTH, Robert LUKAWICZ, Karen McQueeney FISHER, Bradley D. Molinsky, Richard BALBONI
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Patent number: 8447637Abstract: A computer system for processing of data associated with insurance coverage includes a data storage device storing data indicative of: an insured; a maximum benefit amount payable under the insurance coverage; a first category of risks; a second category of risks; a first benefit allocation corresponding to the first category of risks; and a second benefit allocation corresponding to the second category of risks; the benefit allocations being fractions of and totaling the maximum benefit amount. A processor of the system is configured to, responsive to the receipt of data indicative of a claim, determine eligibility for a benefit, and responsive to determining that the insured is eligible, provide output data indicative of a benefit amount, the benefit amount for each of the categories of risks having a maximum equal to the corresponding benefit allocation.Type: GrantFiled: September 10, 2012Date of Patent: May 21, 2013Assignee: Hartford Fire Insurance CompanyInventors: Katherine Read, Edward Jaworski, Steve McConnell, Ahmed Shaher, Theresa Wadsworth, Robert Lukawicz, Karen McQueeney Fisher, Bradley D. Molinsky, Richard Balboni
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Publication number: 20130103428Abstract: According to some embodiments, a workers' compensation insurance premium may be calculated for a workers' compensation insurance policy covering a group of employees employed by an employer. Moreover, supplemental bundled insurance premiums may be calculated for each employee to provide individual, supplemental bundled insurance policies. The supplemental bundled insurance premiums may be contingent upon the employer's agreement to pay the workers' compensation insurance premium. By way of examples, the supplemental bundled insurance policies might be associated with one or more of short term disability insurance, long term disability insurance, accidental death insurance, accidental disability insurance and/or hospital accident insurance.Type: ApplicationFiled: October 24, 2011Publication date: April 25, 2013Inventors: Bradley D. Molinsky, Damien D. Balazs, Gordon Hui, Carmen L. Sharp
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Publication number: 20120330692Abstract: A computer system for processing of data associated with insurance coverage includes a data storage device storing data indicative of: an insured; a maximum benefit amount payable under the insurance coverage; a first category of risks; a second category of risks; a first benefit allocation corresponding to the first category of risks; and a second benefit allocation corresponding to the second category of risks; the benefit allocations being fractions of and totaling the maximum benefit amount. A processor of the system is configured to, responsive to the receipt of data indicative of a claim, determine eligibility for a benefit, and responsive to determining that the insured is eligible, provide output data indicative of a benefit amount, the benefit amount for each of the categories of risks having a maximum equal to the corresponding benefit allocation.Type: ApplicationFiled: September 10, 2012Publication date: December 27, 2012Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Katherine READ, Edward JAWORSKI, Steve Robert MCCONNELL, Ahmed SHAHER, Theresa WADSWORTH, Robert LUKAWICZ, Karen McQueeney FISHER, Bradley D. Molinsky, Richard BALBONI
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Patent number: 8265964Abstract: A computer system for processing of data associated with insurance coverage includes a data storage device storing data indicative of: an insured; an aggregate benefit amount, the aggregate benefit amount being a maximum benefit amount payable under the insurance coverage; a first category of health risks; a second category of health risks; a first benefit allocation corresponding to the first category of health risks; and a second benefit allocation corresponding to the second category of health risks; the benefit allocations being fractions of and totaling the aggregate benefit amount. A processor of the system is configured to, responsive to the receipt of data indicative of a claim, determine eligibility for a benefit, and responsive to determining that the insured is eligible, provide output data indicative of a benefit amount, the benefit amount for each of the categories of health risks having a maximum equal to the corresponding benefit allocation.Type: GrantFiled: December 30, 2011Date of Patent: September 11, 2012Assignee: Hartford Fire Insurance CompanyInventors: Katherine Read, Edward Jaworski, Steve McConnell, Ahmed Shaher, Theresa Wadsworth, Robert Lukawicz, Karen McQueeney Fisher, Bradley D. Molinsky, Richard Balboni
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Publication number: 20120123809Abstract: A computer system for processing of data associated with insurance coverage includes a data storage device storing data indicative of: an insured; an aggregate benefit amount, the aggregate benefit amount being a maximum benefit amount payable under the insurance coverage; a first category of health risks; a second category of health risks; a first benefit allocation corresponding to the first category of health risks; and a second benefit allocation corresponding to the second category of health risks; the benefit allocations being fractions of and totaling the aggregate benefit amount. A processor of the system is configured to, responsive to the receipt of data indicative of a claim, determine eligibility for a benefit, and responsive to determining that the insured is eligible, provide output data indicative of a benefit amount, the benefit amount for each of the categories of health risks having a maximum equal to the corresponding benefit allocation.Type: ApplicationFiled: December 30, 2011Publication date: May 17, 2012Applicant: HARTFORD FIRE INSURANCE COMPANYInventors: Katherine READ, Edward JAWORSKI, Steve Robert MCCONNELL, Ahmed SHAHER, Theresa WADSWORTH, Robert LUKAWICZ, Karen McQueeney FISHER, Bradley D. Molinsky, Richard BALBONI
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Patent number: 8103528Abstract: Disclosed is a novel security benefits product that provides customizable benefits to the purchaser for a variety of different triggering conditions. The product of the present invention may be sold to an individual or a group. The product contains a feature that allows a purchaser to modify and/or vary his or her coverage related to one or more serious health events, such as disability, accident, illness, or death. Additionally, a conversion feature is provided, which allows the insured individual who purchased the product through a third party to maintain the product of the present invention even after the individual is no longer affiliated with the third party.Type: GrantFiled: April 24, 2008Date of Patent: January 24, 2012Assignee: Hartford Fire Insurance CompanyInventors: Katherine Read, Edward Jaworski, Steve Robert McConnell, Ahmed Shaher, Theresa Wadsworth, Robert Lukawicz, Karen McQueeney Fisher, Richard Balboni, Bradley D. Molinsky
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Publication number: 20090204441Abstract: Disclosed is a novel security benefits product that provides customizable benefits to the purchaser for a variety of different triggering conditions. The product of the present invention may be sold to an individual or a group. The product contains a feature that allows a purchaser to modify and/or vary his or her coverage related to one or more serious health events, such as disability, accident, illness, or death. Additionally, a conversion feature is provided, which allows the insured individual who purchased the product through a third party to maintain the product of the present invention even after the individual is no longer affiliated with the third party.Type: ApplicationFiled: April 24, 2008Publication date: August 13, 2009Inventors: Katherine Read, Edward Jaworski, Steve Robert McConnell, Ahmed Shaher, Theresa Wadsworth, Robert Lukawicz, Karen M. Queeney Fisher, Richard Balboni, Bradley D. Molinsky
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Publication number: 20090171828Abstract: An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.Type: ApplicationFiled: December 8, 2008Publication date: July 2, 2009Applicant: Hartford Fire Insurance CompanyInventors: Bradley D. Molinsky, Karen L. Reich, Nathaniel J. Wilson