The SSDI offset, found early
SSA's five-step sequential evaluation, the listings, the residual-functional-capacity finding, the grids: all public, all knowable, and almost never modeled inside an LTD or DI file. Owl reads the claim, walks SSA's logic, predicts the award stage and date, and meters the offset before overpayment.
Claimant has zero earnings since DOL per W-2 + 1099 cross-check; SGA threshold is not met.
Two corroborating specialists, objective imaging (MRI L4-L5), 12-month duration met.
Listing 1.15 (lumbar) requires inability to ambulate effectively; physical exam shows independent gait. Does not meet.
Past work was sedentary insurance underwriter; RFC is light with no overhead reaching. Past work compatible.
Initial → award
SSDI award predicted at recon
$2,840/mo
Estimated PIA, 22-yr history
$0 overpayment
If offset metered correctly
Three AI agents on an SSDI-eligible LTD file. Reading. Cross-referencing. Answering.
One claim: lumbar disc disease, age 55, an LTD claim with $50K of latent SSDI offset.
Anonymized composite: own-occupation LTD claim, claimant 55F, sedentary underwriter, lumbar radiculopathy, MRI confirms L4-L5 disc protrusion.
External data only. None of this lives in your CMS. Owl gathered it from public records, professional networks, registries and the open web, then resolved it to this claimant.
At 55 (advanced age), with light RFC, HS education, and no transferable skills from sedentary past work, Medical-Vocational Rule 202.06 directs a finding of disabled. This is a high-confidence award path; >88% of similar profiles are awarded by reconsideration.
Hearing office routing (Atlanta South) currently averages 287 days from request-to-decision. If denied at recon, ALJ hearing decision projected ~M22. Award-most-likely path is recon at ~M14, not ALJ. Set offset accrual on that timeline.
EOD established 5 months pre-application; back-pay accrues from EOD+5 (the SSA waiting period) through award month. At projected award M14, back-pay covers ~17 months × $2,840 = $48,280 net of LTD offset.
Member has not appointed a representative. Standard LTD assistance referral is appropriate; SSA-1696 to be drafted. Member benefits from claimant-representative path, with historical award-rate uplift of ~9pp at hearing for represented claimants.
Yes. This claim should award at reconsideration, projected ~M14 from DOL. The Step-5 grid analysis (Rule 202.06) directs a finding of disabled given age 55, light RFC, and no transferable skills. The initial denial probability is ~64% (per cohort), but reconsideration approval probability is ~78% with a fully developed RFC and DOT-coded past-work record. ALJ is the fallback at ~M22 if needed. Recommend: refer to assistance vendor today, file initial with the prepared RFC packet, accrue LTD offset against projected M14 award.
NPV of estimated SSDI back-pay is $48,720 (17 months × $2,840 PIA, discounted at 4.5%). Set the offset reserve at $48,720 with monthly burn-down. If award lands at recon ~M14, no overpayment. If award delays to ALJ ~M22, back-pay grows to ~$56,400; adjust reserve at recon-decision date. If award is denied through ALJ, write down the reserve at ~M22; downside scenario probability is 6.4% on this profile.
What the world says about your SSDI claimants, none of which lives in your CMS.
Internal claim data is half the picture: it tells you what the claimant told you. OwlSignal continuously gathers external data (public records, professional and corporate registries, court dockets, social and open web) and matches it back to the claimant. These are the families that move the needle on SSDI.
The full SSA listings (Adult and Child), the POMS operations manual, medical-vocational grid rules, and the DOT/SCO occupational references, walked element-by-element on every claim.
Owl’s cross-carrier SSDI-outcomes graph: 2.4M tracked claimants, outcome by impairment + age + RFC + region + ODAR office. The base-rate engine that calibrates predictions.
Hearing-office backlogs, ALJ approval-rate distributions, average days to decision, remand rates, and Owl’s tracker of ALJ behavioral patterns by issue type.
IRS W-2 / 1099 reconciliation, SSA earnings record, PIA estimator with bend-points, family maximum, and AIME calculation. The numbers the offset reserve is built on.
DOT past-work classification, SCO functional ratings, transferable-skills analysis, and the vocational-expert testimony patterns Owl learned from public ALJ transcripts.
SSA-827, SSA-1696, the representative-payee data, ABA-certified-rep registry, and Owl’s tracking of claimant-representative outcomes by region and issue type.
Numbers from carriers running Owl on SSDI offsets in production.
Built for the regulatory shape of SSDI.
Lives where your SSDI files live.
LTD / IDI platforms
FINEOS, Majesco, Origami, DXC, in-house
SSA assistance vendors
Allsup, Genex, The Advocator Group, GenEx
Earnings + tax data
Equifax Work Number, IRS income transcripts (with consent)
Medical records
MRO, Verisma, Datavant, ChartRequest
Document intake
Box, OnBase, ImageRight, Documentum
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM
Bring us a quarter of LTD claims. We’ll show you the SSDI offset on day one.
Two-week pilot. Your LTD stream, your tenant, your plan documents. We measure SSDI eligibility detection, award-stage prediction, offset reserve accuracy and overpayment exposure against your own ground truth.