A computer system includes a data storage module. The data storage module receives, stores, and provides access to data related to long term disability claims. A proactive referral model component is coupled to the data storage module, and determines whether to refer a current claim to an investigation unit. The proactive referral model is based on at least two of the following variables: (a) a variable that indicates that the claimant's diagnosis has changed; (b) a variable that indicates that the current claim in question was brought under any-occupation coverage; (c) a variable that reflects a market segment for a policy under which the current claim in question was brought; (d) a variable that has a value based on a state in which the claimant resides; and (e) a variable that represents an amount of experience of a claims handler who handled the current claim in question.