Daily Papers

Ensuring equitable treatment (fairness) across protected attributes (such as gender or ethnicity) is a critical issue in machine learning. Most existing literature focuses on binary classification, but achieving fairness in regression tasks-such as insurance pricing or hiring score assessments-is equally important. Moreover, anti-discrimination laws also apply to continuous attributes, such as age, for which many existing methods are not applicable. In practice, multiple protected attributes can exist simultaneously; however, methods targeting fairness across several attributes often overlook so-called "fairness gerrymandering", thereby ignoring disparities among intersectional subgroups (e.g., African-American women or Hispanic men). In this paper, we propose a distance covariance regularisation framework that mitigates the association between model predictions and protected attributes, in line with the fairness definition of demographic parity, and that captures both linear and nonlinear dependencies. To enhance applicability in the presence of multiple protected attributes, we extend our framework by incorporating two multivariate dependence measures based on distance covariance: the previously proposed joint distance covariance (JdCov) and our novel concatenated distance covariance (CCdCov), which effectively address fairness gerrymandering in both regression and classification tasks involving protected attributes of various types. We discuss and illustrate how to calibrate regularisation strength, including a method based on Jensen-Shannon divergence, which quantifies dissimilarities in prediction distributions across groups. We apply our framework to the COMPAS recidivism dataset and a large motor insurance claims dataset.

We present a self-supervised, time-to-event (TTE) foundation model called MOTOR (Many Outcome Time Oriented Representations) which is pretrained on timestamped sequences of events in electronic health records (EHR) and health insurance claims. TTE models are used for estimating the probability distribution of the time until a specific event occurs, which is an important task in medical settings. TTE models provide many advantages over classification using fixed time horizons, including naturally handling censored observations, but are challenging to train with limited labeled data. MOTOR addresses this challenge by pretraining on up to 55M patient records (9B clinical events). We evaluate MOTOR's transfer learning performance on 19 tasks, across 3 patient databases (a private EHR system, MIMIC-IV, and Merative claims data). Task-specific models adapted from MOTOR improve time-dependent C statistics by 4.6% over state-of-the-art, improve label efficiency by up to 95% ,and are more robust to temporal distributional shifts. We further evaluate cross-site portability by adapting our MOTOR foundation model for six prediction tasks on the MIMIC-IV dataset, where it outperforms all baselines. MOTOR is the first foundation model for medical TTE predictions and we release a 143M parameter pretrained model for research use at [redacted URL].

Hospitals and healthcare systems rely on operational decisions that determine patient flow, cost, and quality of care. Despite strong performance on medical knowledge and conversational benchmarks, foundation models trained on general text may lack the specialized knowledge required for these operational decisions. We introduce Lang1, a family of models (100M-7B parameters) pretrained on a specialized corpus blending 80B clinical tokens from NYU Langone Health's EHRs and 627B tokens from the internet. To rigorously evaluate Lang1 in real-world settings, we developed the REalistic Medical Evaluation (ReMedE), a benchmark derived from 668,331 EHR notes that evaluates five critical tasks: 30-day readmission prediction, 30-day mortality prediction, length of stay, comorbidity coding, and predicting insurance claims denial. In zero-shot settings, both general-purpose and specialized models underperform on four of five tasks (36.6%-71.7% AUROC), with mortality prediction being an exception. After finetuning, Lang1-1B outperforms finetuned generalist models up to 70x larger and zero-shot models up to 671x larger, improving AUROC by 3.64%-6.75% and 1.66%-23.66% respectively. We also observed cross-task scaling with joint finetuning on multiple tasks leading to improvement on other tasks. Lang1-1B effectively transfers to out-of-distribution settings, including other clinical tasks and an external health system. Our findings suggest that predictive capabilities for hospital operations require explicit supervised finetuning, and that this finetuning process is made more efficient by in-domain pretraining on EHR. Our findings support the emerging view that specialized LLMs can compete with generalist models in specialized tasks, and show that effective healthcare systems AI requires the combination of in-domain pretraining, supervised finetuning, and real-world evaluation beyond proxy benchmarks.

This study explores the potential of utilizing administrative claims data, combined with advanced machine learning and deep learning techniques, to predict the progression of Chronic Kidney Disease (CKD) to End-Stage Renal Disease (ESRD). We analyze a comprehensive, 10-year dataset provided by a major health insurance organization to develop prediction models for multiple observation windows using traditional machine learning methods such as Random Forest and XGBoost as well as deep learning approaches such as Long Short-Term Memory (LSTM) networks. Our findings demonstrate that the LSTM model, particularly with a 24-month observation window, exhibits superior performance in predicting ESRD progression, outperforming existing models in the literature. We further apply SHapley Additive exPlanations (SHAP) analysis to enhance interpretability, providing insights into the impact of individual features on predictions at the individual patient level. This study underscores the value of leveraging administrative claims data for CKD management and predicting ESRD progression.

The emergence of Large Multimodal Models (LMMs) marks a significant milestone in the development of artificial intelligence. Insurance, as a vast and complex discipline, involves a wide variety of data forms in its operational processes, including text, images, and videos, thereby giving rise to diverse multimodal tasks. Despite this, there has been limited systematic exploration of multimodal tasks specific to insurance, nor a thorough investigation into how LMMs can address these challenges. In this paper, we explore GPT-4V's capabilities in the insurance domain. We categorize multimodal tasks by focusing primarily on visual aspects based on types of insurance (e.g., auto, household/commercial property, health, and agricultural insurance) and insurance stages (e.g., risk assessment, risk monitoring, and claims processing). Our experiment reveals that GPT-4V exhibits remarkable abilities in insurance-related tasks, demonstrating not only a robust understanding of multimodal content in the insurance domain but also a comprehensive knowledge of insurance scenarios. However, there are notable shortcomings: GPT-4V struggles with detailed risk rating and loss assessment, suffers from hallucination in image understanding, and shows variable support for different languages. Through this work, we aim to bridge the insurance domain with cutting-edge LMM technology, facilitate interdisciplinary exchange and development, and provide a foundation for the continued advancement and evolution of future research endeavors.

This paper studies the properties of the Multiply Iterated Poisson Process (MIPP), a stochastic process constructed by repeatedly time-changing a Poisson process, and its applications in ruin theory. Like standard Poisson processes, MIPPs have exponentially distributed sojourn times (waiting times between jumps). We explicitly derive the probabilities of all possible jump sizes at the first jump and obtain the Laplace transform of the joint distribution of the first jump time and its corresponding jump size. In ruin theory, the classical Cramér-Lundberg model assumes that claims arrive independently according to a Poisson process. In contrast, our model employs an MIPP to allow for clustered arrivals, reflecting real-world scenarios, such as catastrophic events. Under this new framework, we derive the corresponding scale function in closed form, facilitating accurate calculations of the probability of ruin in the presence of clustered claims. These results improve the modeling of extreme risks and have practical implications for insurance solvency assessments, reinsurance pricing, and capital reserve estimation.

Codification of free-text clinical narratives have long been recognised to be beneficial for secondary uses such as funding, insurance claim processing and research. The current scenario of assigning codes is a manual process which is very expensive, time-consuming and error prone. In recent years, many researchers have studied the use of Natural Language Processing (NLP), related Machine Learning (ML) and Deep Learning (DL) methods and techniques to resolve the problem of manual coding of clinical narratives and to assist human coders to assign clinical codes more accurately and efficiently. This systematic literature review provides a comprehensive overview of automated clinical coding systems that utilises appropriate NLP, ML and DL methods and techniques to assign ICD codes to discharge summaries. We have followed the Preferred Reporting Items for Systematic Reviews and Meta-Analyses(PRISMA) guidelines and conducted a comprehensive search of publications from January, 2010 to December 2020 in four academic databases- PubMed, ScienceDirect, Association for Computing Machinery(ACM) Digital Library, and the Association for Computational Linguistics(ACL) Anthology. We reviewed 7,556 publications; 38 met the inclusion criteria. This review identified: datasets having discharge summaries; NLP techniques along with some other data extraction processes, different feature extraction and embedding techniques. To measure the performance of classification methods, different evaluation metrics are used. Lastly, future research directions are provided to scholars who are interested in automated ICD code assignment. Efforts are still required to improve ICD code prediction accuracy, availability of large-scale de-identified clinical corpora with the latest version of the classification system. This can be a platform to guide and share knowledge with the less experienced coders and researchers.

With the widespread use of mobile phones and scanners to photograph and upload documents, the need for extracting the information trapped in unstructured document images such as retail receipts, insurance claim forms and financial invoices is becoming more acute. A major hurdle to this objective is that these images often contain information in the form of tables and extracting data from tabular sub-images presents a unique set of challenges. This includes accurate detection of the tabular region within an image, and subsequently detecting and extracting information from the rows and columns of the detected table. While some progress has been made in table detection, extracting the table contents is still a challenge since this involves more fine grained table structure(rows & columns) recognition. Prior approaches have attempted to solve the table detection and structure recognition problems independently using two separate models. In this paper, we propose TableNet: a novel end-to-end deep learning model for both table detection and structure recognition. The model exploits the interdependence between the twin tasks of table detection and table structure recognition to segment out the table and column regions. This is followed by semantic rule-based row extraction from the identified tabular sub-regions. The proposed model and extraction approach was evaluated on the publicly available ICDAR 2013 and Marmot Table datasets obtaining state of the art results. Additionally, we demonstrate that feeding additional semantic features further improves model performance and that the model exhibits transfer learning across datasets. Another contribution of this paper is to provide additional table structure annotations for the Marmot data, which currently only has annotations for table detection.

Legal claims refer to the plaintiff's demands in a case and are essential to guiding judicial reasoning and case resolution. While many works have focused on improving the efficiency of legal professionals, the research on helping non-professionals (e.g., plaintiffs) remains unexplored. This paper explores the problem of legal claim generation based on the given case's facts. First, we construct ClaimGen-CN, the first dataset for Chinese legal claim generation task, from various real-world legal disputes. Additionally, we design an evaluation metric tailored for assessing the generated claims, which encompasses two essential dimensions: factuality and clarity. Building on this, we conduct a comprehensive zero-shot evaluation of state-of-the-art general and legal-domain large language models. Our findings highlight the limitations of the current models in factual precision and expressive clarity, pointing to the need for more targeted development in this domain. To encourage further exploration of this important task, we will make the dataset publicly available.

In the context of fact-checking, claims are often repeated across various platforms and in different languages, which can benefit from a process that reduces this redundancy. While retrieving previously fact-checked claims has been investigated as a solution, the growing number of unverified claims and expanding size of fact-checked databases calls for alternative, more efficient solutions. A promising solution is to group claims that discuss the same underlying facts into clusters to improve claim retrieval and validation. However, research on claim clustering is hindered by the lack of suitable datasets. To bridge this gap, we introduce MultiClaimNet, a collection of three multilingual claim cluster datasets containing claims in 86 languages across diverse topics. Claim clusters are formed automatically from claim-matching pairs with limited manual intervention. We leverage two existing claim-matching datasets to form the smaller datasets within MultiClaimNet. To build the larger dataset, we propose and validate an approach involving retrieval of approximate nearest neighbors to form candidate claim pairs and an automated annotation of claim similarity using large language models. This larger dataset contains 85.3K fact-checked claims written in 78 languages. We further conduct extensive experiments using various clustering techniques and sentence embedding models to establish baseline performance. Our datasets and findings provide a strong foundation for scalable claim clustering, contributing to efficient fact-checking pipelines.

Patent claims define the scope of protection and establish the legal boundaries of an invention. Drafting these claims is a complex and time-consuming process that usually requires the expertise of skilled patent attorneys, which can form a large access barrier for many small enterprises. To solve these challenges, researchers have investigated the use of large language models (LLMs) for automating patent claim generation. However, existing studies highlight inconsistencies between automated evaluation metrics and human expert assessments. To bridge this gap, we introduce Patent-CE, the first comprehensive benchmark for evaluating patent claims. Patent-CE includes comparative claim evaluations annotated by patent experts, focusing on five key criteria: feature completeness, conceptual clarity, terminology consistency, logical linkage, and overall quality. Additionally, we propose PatClaimEval, a novel multi-dimensional evaluation method specifically designed for patent claims. Our experiments demonstrate that PatClaimEval achieves the highest correlation with human expert evaluations across all assessment criteria among all tested metrics. This research provides the groundwork for more accurate evaluations of automated patent claim generation systems.

Claims made by individuals or entities are oftentimes nuanced and cannot be clearly labeled as entirely "true" or "false" -- as is frequently the case with scientific and political claims. However, a claim (e.g., "vaccine A is better than vaccine B") can be dissected into its integral aspects and sub-aspects (e.g., efficacy, safety, distribution), which are individually easier to validate. This enables a more comprehensive, structured response that provides a well-rounded perspective on a given problem while also allowing the reader to prioritize specific angles of interest within the claim (e.g., safety towards children). Thus, we propose ClaimSpect, a retrieval-augmented generation-based framework for automatically constructing a hierarchy of aspects typically considered when addressing a claim and enriching them with corpus-specific perspectives. This structure hierarchically partitions an input corpus to retrieve relevant segments, which assist in discovering new sub-aspects. Moreover, these segments enable the discovery of varying perspectives towards an aspect of the claim (e.g., support, neutral, or oppose) and their respective prevalence (e.g., "how many biomedical papers believe vaccine A is more transportable than B?"). We apply ClaimSpect to a wide variety of real-world scientific and political claims featured in our constructed dataset, showcasing its robustness and accuracy in deconstructing a nuanced claim and representing perspectives within a corpus. Through real-world case studies and human evaluation, we validate its effectiveness over multiple baselines.

Of late, insurance fraud detection has assumed immense significance owing to the huge financial & reputational losses fraud entails and the phenomenal success of the fraud detection techniques. Insurance is majorly divided into two categories: (i) Life and (ii) Non-life. Non-life insurance in turn includes health insurance and auto insurance among other things. In either of the categories, the fraud detection techniques should be designed in such a way that they capture as many fraudulent transactions as possible. Owing to the rarity of fraudulent transactions, in this paper, we propose a chaotic variational autoencoder (C-VAE to perform one-class classification (OCC) on genuine transactions. Here, we employed the logistic chaotic map to generate random noise in the latent space. The effectiveness of C-VAE is demonstrated on the health insurance fraud and auto insurance datasets. We considered vanilla Variational Auto Encoder (VAE) as the baseline. It is observed that C-VAE outperformed VAE in both datasets. C-VAE achieved a classification rate of 77.9% and 87.25% in health and automobile insurance datasets respectively. Further, the t-test conducted at 1% level of significance and 18 degrees of freedom infers that C-VAE is statistically significant than the VAE.

Fact-checkers are often hampered by the sheer amount of online content that needs to be fact-checked. NLP can help them by retrieving already existing fact-checks relevant to the content being investigated. This paper introduces a new multilingual dataset -- MultiClaim -- for previously fact-checked claim retrieval. We collected 28k posts in 27 languages from social media, 206k fact-checks in 39 languages written by professional fact-checkers, as well as 31k connections between these two groups. This is the most extensive and the most linguistically diverse dataset of this kind to date. We evaluated how different unsupervised methods fare on this dataset and its various dimensions. We show that evaluating such a diverse dataset has its complexities and proper care needs to be taken before interpreting the results. We also evaluated a supervised fine-tuning approach, improving upon the unsupervised method significantly.

Verifying scientific claims presents a significantly greater challenge than verifying political or news-related claims. Unlike the relatively broad audience for political claims, the users of scientific claim verification systems can vary widely, ranging from researchers testing specific hypotheses to everyday users seeking information on a medication. Additionally, the evidence for scientific claims is often highly complex, involving technical terminology and intricate domain-specific concepts that require specialized models for accurate verification. Despite considerable interest from the research community, there is a noticeable lack of large-scale scientific claim verification datasets to benchmark and train effective models. To bridge this gap, we introduce two large-scale datasets, SciClaimHunt and SciClaimHunt_Num, derived from scientific research papers. We propose several baseline models tailored for scientific claim verification to assess the effectiveness of these datasets. Additionally, we evaluate models trained on SciClaimHunt and SciClaimHunt_Num against existing scientific claim verification datasets to gauge their quality and reliability. Furthermore, we conduct human evaluations of the claims in proposed datasets and perform error analysis to assess the effectiveness of the proposed baseline models. Our findings indicate that SciClaimHunt and SciClaimHunt_Num serve as highly reliable resources for training models in scientific claim verification.