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Those who insure the health of Americans are troubled not just by the rising cost of healthcare but by health insurance fraud, on the part of patients and some of the doctors who treat those patients.

But creating a database that could play a meaningful role in helping insurers identify fraudulent billing practices would require a lot of work: years of work as it turned out to be on the part of the National Insurance Crime Bureau.

The leadership that created the Aggregate Medical Database came in the form of Joe Wehrle, a decorated combat veteran and former Lieutenant General in the U.S. Air Force and Vincent Cialdella, president of Verisk Insurance Solutions, who has been part of anti-fraud efforts for more than a decade.

That type of leadership says, "I know it's a tough task, but you know what, I'll do it."

Left unsaid by that statement is another; "If this leader hadn't done it, who would have done it?"

That is one way that we define a Responsibility LeaderŽ, one who went above and beyond a mere job description.

Another trait of a Responsibility LeaderŽis doing the right thing over the easy thing.

Caring, really caring about the welfare of people is at the root of doing the right thing over the easy thing. We have a number of Responsibility Leaders in 2012, Laura Collins, Gary Nesbit, Carrie Williams and Teresa Campbell Wallace, to name a few, who had at the root of their innovation empathy.

They saw people being injured and they thought they saw a way to prevent that human suffering. Not only did they see the way, but they successfully implemented their vision. Creativity and execution, those are the hallmarks of Risk Innovators.

The eight people on these two pages are also designated Responsibility Leaders because they rook on the mantle of leadership in risk innovations that demanded leadership and that would not have come into being without that leadership.

--The Editors

September 15, 2012

Copyright 2012© LRP Publications