When we surveyed claims professionals across the industry, we uncovered three primary myths that prevent people from using Examinations Under Oath (EUOs) effectively.

We’ve already addressed two of them: “EUOs are too costly” and “EUOs are too dangerous.”
Now, let’s tackle the third myth:

“EUOs take too long.”

This concern is rooted in a misconception about the EUO process. Many professionals believe that EUOs are a lengthy, inefficient procedure that delays claims unnecessarily. But as we’ll explore, the truth is that a properly managed EUO process is designed to be highly efficient.
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The belief that EUOs take too long often comes from real-world experiences where the process was mishandled. Common complaints include:

The EUO was created to provide a streamlined, efficient way for insurance companies to gather the information and documentation they need to evaluate claims. When handled correctly, the entire process should take no more than two to three weeks from the decision to conduct an EUO to its completion.

If your EUOs are taking longer than that, the problem isn’t the process itself—it’s the way it’s being executed.
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Here are some of the most common reasons why EUOs take longer than they should:

The good news is that an efficient EUO process is entirely achievable. Here’s how:

At the root of all three myths—cost, danger, and delay—is a lack of proper knowledge. Without a clear understanding of how EUOs work and why they’re valuable, it’s easy to fall into patterns that create inefficiencies and frustrations.

The truth is that the EUO process is designed to be simple, efficient, and effective. When handled correctly, it ensures that the company can quickly gather the information it needs to decide claims, combat fraud, and fulfill its obligations.
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