A required feature of a Long-Term Disability (LTD) insurance policy is its method of calculating Basic Monthly Earnings (BME), which determines how much a disabled customer will be paid. Most BMEs conform to some standard formula. However, to increase sales of its LTD policies, a large U.S.-based LTD company increased its use of Non-Standard BMEs (NSBME), which led to more errors and higher costs. Our model tested various processing approaches and found the optimal way to process these claims: an even mix of low-level Disability Benefits Specialists (DBS) and mid-level Benefits Financial Consultants (BFC). The costs of the BFC review were offset by the savings from all the errors they detected. Also, suspecting that he company’s reliance on NSBMEs was an example of the “Fixes that Fail” and “Shifting the Burden” systems archetypes, we found that eliminating this practice was the highest leverage policy of all.