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CMI Working Paper 149

Working Paper 149: Changes to analysis methodology for the CMI Income Protection Investigation and the impact of past data issues

CMI Working Paper 149 was published in April 2021. The working paper:

  • Describes key elements of the analysis methodology that underlies the new Income Protection processing and analysis system.
  • Highlights additional analyses that can be performed by the new system, provided sufficient additional data is collected.
  • Highlights issues with past data that have emerged from work on the analysis methodology and provides an indication of their impact.

A spreadsheet of indicative adjustments to the “IP11” claim inception rates, to reflect the past data issues, is available alongside Working Paper 136.

Note: the working paper is available to Authorised Users only.

Income protection webinar

The Income Protection Committee is hosting a webinar on 30 July 2021, from 10:30-12:00. This will give an overview of the recent changes in analysis methodology, and adjustments to the IP11 claim inceptions graduations, and cover current work of the Committee, including work assessing the impact of COVID-19 and collection of data to end-2020. Registration is accessible to Authorised Users only.

Contact Details

If you have any questions about the CMI please email

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