How disability percentages are determined by National Insurance

Disability percentages are one of the central — and most confusing — concepts in the world of rights realization. To be clear up front: disability percentages are determined by a medical committee on behalf of the official body (such as National Insurance), not by any private party or technology platform. This article explains the general logic of the process — it does not promise an outcome.

What the assessment tables are

National Insurance uses 'disability tests' — a set of regulations that define, for each medical impairment, a possible range of percentages based on severity and characteristics. Each item has its own criteria, and there are sometimes several sub-items for the same medical domain.

How documents are matched to regulations

The practical difficulty is the matching: you have to identify the relevant findings within the medical documents and match them to the appropriate item and sub-item in the regulations. This requires:

• Identifying the material diagnoses and findings in the file.
• Understanding the clinical context — not just the word, but the meaning.
• Matching to the right regulatory item, among hundreds of possible items.
• Documenting the basis for each match, so it's traceable.

Why consistency and documentation matter so much

When dealing with a large volume of cases, consistency gaps between different analysts can lead to different outcomes for the same type of case. An orderly process — where every determination comes with a reference to the source and the regulatory item — enables control, transparency, and the ability to verify each step.

This is where technology comes in: automated analysis can surface findings and suggest possible disability percentages according to the regulations, consistently and at scale. But — and this is critical — it is a supporting tool. The suggestion is not a determination, and final eligibility is decided solely by the medical committee and the official body.