# Long-Term Disability Claim File Review Services > Claim files, peer reviews, surveillance, and FCEs read into 1 cited chronology, with a point-by-point response built before the ERISA record closes. Canonical page: https://medrecords.ai/solutions/long-term-disability/ --- New — **Missing Records Detection:** flags every visit, provider, and date missing from the file. [See how →](https://medrecords.ai/product/missing-records-identification/) [Home](https://medrecords.ai/) ›[Solutions](https://medrecords.ai/solutions/) › — Long-Term Disability LONG-TERM DISABILITY CLAIM FILE REVIEW ## 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. [Test a file ](https://medrecords.ai/test-a-file/?src=long-term-disability) [Book a demo](https://medrecords.ai/demo/) Click any chip → the source page it cites Case file · LTD administrative record indexed 342 pages logged, 2 packets, into the record 342 pages, 2 packets — logged and indexed — ✓ 11 duplicate pages — removed — ✓ p.140 — wrong-patient page — quarantined Every page logged before the record closes The status quo 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.* 180 days before the administrative record closes by hand matching a 5,000-page file to a point-by-point response every piece of evidence the plan must address, per the 2018 rule Administrative record · LTD/ERISA evidence flagged Claim file — Initial denial, 3,200 pp Peer review — File review only, no exam Vocational rpt — Unaddressed · flagged FCE — Functional capacity eval Peer review, surveillance, and FCE entries, one timeline, cited How it works ### 3 steps between intake and an appeal filed inside the window. 01 #### Upload the claim file, peer reviews, surveillance, FCEs, vocational reports Everything the plan produced — 500 to 5,000 pages, whatever format it arrives in. 02 #### 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. 03 #### 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. Organizes the record. Never decides the claim. ### 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. Indexing & dedup record merged Duplicate peer-review page — duplicate ×2 Surveillance report page — 81% match One merged administrative record — ready for the appeal Every document type merged, no manual reconciliation Why Medrecords AI ### The rules the platform never breaks. EVERY LINE CITED CASE #IME-4812 · ADAMS, T. 342 pp 2/14 — ER visit, right knee p.4 4/18 — arthroscopic surgery p.61 p.140 — wrong patient quarantined Medrecords AI Read every page · cite every line #### 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. Powered by the platform ### 4 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. IN ACTION · 5,000-page file → one merged, cited chronology ](https://medrecords.ai/product/chronology/) [ #### 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. IN ACTION · unaddressed evidence → flagged, cited to the page ](https://medrecords.ai/product/citations/) [ #### Medical record Q&A Question the whole file in plain English — "any peer review addressing the FCE findings?" — every answer cited. IN ACTION · reviewer finds the peer-review gap in minutes ](https://medrecords.ai/product/qa/) [ #### Medical Records OCR Every format read — scanned claim files, faxed surveillance reports, handwritten FCE notes. IN ACTION · mixed-format file → one searchable, cited record ](https://medrecords.ai/product/ocr/) [ #### Medical Record Deduplication A file this size arrives with the same peer-review addendum or surveillance report filed more than once. Every duplicate is confidence-scored and collapsed to one canonical page before the chronology builds. IN ACTION · 5,000-page file → duplicate pages collapsed before the chronology ](https://medrecords.ai/product/medical-record-deduplication/) [ #### Missing Records Identification An FCE or peer review the file's own correspondence references, but that document never made it into the administrative record — flagged before the appeal deadline, not after. IN ACTION · a referenced FCE missing from the record, flagged before the deadline ](https://medrecords.ai/product/missing-records-identification/) [ #### Cross-Exam Simulator (beta) Before a denial goes to litigation, the same file is checked for the inconsistencies and vocational conflicts most likely to surface if the treating or reviewing physician is deposed — a rehearsal tool, not a legal opinion. IN ACTION beta · likely deposition questions drafted from the file, before discovery opens ](https://medrecords.ai/product/cross-exam-simulator/) FAQ ### Long-term disability claim file review, answered. No. Medrecords AI organizes and cites the claim file, peer reviews, and other evidence — it never determines disability status or predicts how an appeal will be decided. That determination belongs to the plan administrator, and ultimately a federal judge. No. Medrecords AI does not retrieve claim files from the plan or insurer. You bring the claim file, peer reviews, surveillance, and other records you already have — review starts in minutes from upload. Yes. Every document is read and cited, so any piece of evidence the plan's denial letter didn't address is flagged. That's the point of citing everything, and it's what the 2018 amendments to 29 CFR §2560.503-1 require the plan to do. From 10¢ to as low as 5¢ a page, duplicate pages free. A 5,000-page administrative record is priced the same way as a 500-page one: by the page, with every line cited. Yes. Any document in the claim file — peer reviews, surveillance reports, FCEs, vocational reports — is read, indexed, and included in the cited chronology. This lane covers 4 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 →](https://medrecords.ai/solutions/erisa-disability-claim-file-review/) 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. [Test a file ](https://medrecords.ai/test-a-file/?src=long-term-disability) [Book a demo](https://medrecords.ai/demo/) ### More solutions - [**The administrative record is the whole case. Build it cited.** — Administrative record review for ERISA disability appeals — cited chronology, physician-by-physician response…](https://medrecords.ai/solutions/erisa-disability-claim-file-review/) - [**The affidavit files with the complaint. There is no discovery to fix it later.** — Page-cited record review for Georgia O.C.G.A. §9-11-9.1 expert affidavits — the file read in full before the…](https://medrecords.ai/solutions/georgia-certificate-of-merit/) - [**The allocation is only as defensible as the record behind it.** — Full claim-file review for WCMSA and LMSA allocations. Treatment, drugs, dosages and frequencies extracted and…](https://medrecords.ai/solutions/medicare-set-aside-record-review/) - [**The assessment drives the payment. The visit note has to back it.** — Every OASIS item checked against the documentation behind it, with the clinical grouping and payment component…](https://medrecords.ai/solutions/oasis-documentation-review/) - [**The assessment says one thing. The chart has to say it too.** — MDS 3.0 items validated against the supporting chart documentation, with the PDPM classification impact shown…](https://medrecords.ai/solutions/mds-pdpm-documentation-validation/) - [**The bill says 41 units. The chart has to show them.** — Itemized bill audit and medical necessity evidence for payer payment integrity teams, cited to the chart and…](https://medrecords.ai/solutions/payment-integrity-clinical-review/)