Non-downloadable Software as a Service (SaaS) service, namely a platform that collects insurance policyholder claim data, processes new policyholder claims , facilitates document administration, and processes life, short term disability, long term disability, credit disability, life and annuity, and chronic illness claims for insurance carriers; Non-downloadable software as a service (SaaS) service, namely, a platform that collects, analyzes, stores, and generates online reports for insurance carriers relating to disability occupational management risk assessment; Non-downloadable software as a service (SaaS) service that assesses and verifies the employability of claimants against available occupational data in the claimant's industry of employment and field of expertise; Non-downloadable software as a service (SaaS) service, namely, a platform that collects, analyzes, and stores third party data relating to occupational titles, job descriptions, training, education, wages, and level of experience so that end users may match their abilities with available occupational job positions in the end user's local labor market, consistent with risk management insurance industry policyholder definitions