The administrative record closes at 180 days. Build it before that window shuts.
Long-term disability claim file review means reading everything the plan produced — the claim file, peer reviews, surveillance, FCEs, vocational reports — often 500 to 5,000 pages, and building a cited chronology with a point-by-point response to every piece of evidence before the administrative record closes.
Full-and-fair review under the 2018 amendments to 29 CFR §2560.503-1 requires the plan to address every piece of evidence in the file, and the administrative record closes long before anyone has finished reading it. What isn't in the record by then, a federal judge will never see.
Three steps between intake and an appeal filed inside the window.
Upload the claim file, peer reviews, surveillance, FCEs, vocational reports
Everything the plan produced — 500 to 5,000 pages, whatever format it arrives in.
The AI builds a cited chronology and flags unaddressed evidence
Every document placed on one dated timeline; anything the denial letter didn't address is flagged, cited to the page.
Draft the appeal response before the record closes
Verify any entry with a click, then use the cited chronology to build the point-by-point response the 2018 amendments require, before day 180.
It builds the record. The appeal is yours to argue.
Every entry in the cited chronology carries its source page, so when the plan failed to address a piece of evidence, you can point to exactly where and when it entered the file.
What it never does is determine disability status, predict how a federal judge will rule, or sign the appeal. It organizes and cites the administrative record — the argument, and the decision to file, stay with you.
The rules the platform never breaks.
EVERY LINE CITED
HIPAA, under a signed BAA
Every file is handled under our Business Associate Agreement, from the first byte.
Never trains a model
Your records are never used to train any AI model — ours or anyone else's.
Every line cited
If we can't cite it, we don't say it. Every sentence links to its source page.
Deleted after delivery
Files are deleted 30 days after delivery, with a full audit log of every access.
Four capabilities behind every LTD administrative record.
Chronology building is one deliverable of the same platform that reads, sorts, and cites the whole claim file.
Medical chronology
Claim file, peer reviews, surveillance, and FCEs merged into one dated timeline, cited to the page.
Verifiable AI Citations
If we can't cite it, we don't say it. Every entry links to its source page in the administrative record.
Medical record Q&A
Question the whole file in plain English — "any peer review addressing the FCE findings?" — every answer cited.
Medical Records OCR
Every format read — scanned claim files, faxed surveillance reports, handwritten FCE notes.
Long-term disability claim file review, answered.
This lane covers four case types. ERISA / long-term disability claim file review is reviewed against 29 CFR §2560.503-1's full-and-fair-review standard, in federal court on the administrative record. See the ERISA/LTD case-type page →
The lane also covers long-term care insurance eligibility and recertification under the "chronically ill individual" definition at IRC §7702B(c), state-mandated external appeals reviewed by independent review organizations under 45 CFR 147.136, and escalated FMLA/ADA accommodation medical certification review — second and third opinions, intermittent-leave patterns, and interactive-process documentation.
Build the record before it closes.
AI organizes the record. You argue the appeal.