Solutions, Government, VA disability assistance

Where the record has to agree

A VA service-connection claim is a chain of three findings: a current diagnosis, an in-service event or exposure, and a medical nexus tying them together. Owl reads the service treatment record, the C&P exam and the post-service history together, walks 38 CFR Part 4, and rates the combined claim.

Own-occ, stated vs. actual4-yr window
Stated
PTSD 70%, 70%
Owl read
PTSD 70%, 50%
Combined
Combined rating: 90% w/ secondaries, 100%
Stated combined
Combined rating: 80% as filed, 80%

80% 90%

Combined rating predicted

+$542/mo

Increase in tax-free benefit

2 secondaries

Both nexus-supportable

03A real claim, walked end to end

One veteran: 6 years Army infantry, an 80% rating where the math says 90%.

Anonymized composite: Army E-5, MOS 11B, 2009-2015, two Iraq tours, current 80% combined rating across 4 service-connected conditions.

Claim #
GV-2025-004412
Veteran
M, age 38
Service
Army, 11B, 2009-15
Current
80% combined
Predicted
90% w/ secondaries
OwlVision
What it read
Service Treatment Record
412 pp
Read: 4 in-service events identified
DD-214 + personnel file
38 pp
Read: MOS 11B, 2 Iraq deployments
C&P exam DBQs (4)
88 pp
Read: DBQ findings indexed
Post-service medical record
286 pp
Read: Sleep + headache history
Prior VA rating decision
22 pp
Read: 80% combined as filed
Structured extraction
Veteran M, 38. Army E-5, MOS 11B (Infantryman), 2009-2015, with 2 deployments to Iraq (2010, 2013). Current SC: PTSD 70%, tinnitus 10%, hearing loss 10%, lumbar strain 10% (combined 80% per VA Math). STR shows IED-blast event 2010-04 and multiple combat-stress entries. Post-service shows sleep-study Dx OSA (G47.33) 2017 and migraine (G43.909) 2016. Both nexus-supportable as secondary to PTSD.
OwlSignal
What the world said about the claimant

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.

SEC-02
Secondary: Sleep apnea to PTSD

BVA precedent (millions of decisions) recognizes OSA as secondary to service-connected PTSD when sleep architecture is disrupted. Sleep study confirms moderate OSA (AHI 22). Probability of grant on secondary nexus is ~71% per cohort. Rating likely 50% (CPAP-required).

38 CFR 4.97 DC 6847BVA secondary-OSA decisions corpusOwl secondary-condition graph
SEC-04
Secondary: Migraine to PTSD

Migraine is a recognized secondary to PTSD per BVA precedent when onset post-trauma. Post-service neurology records confirm migraine with aura, prostrating attacks 1-2x/month. Probability of grant ~64%. Rating likely 30%.

38 CFR 4.124a DC 8100BVA secondary-migraine decisionsOwl secondary-condition graph
PRS-09
Presumptive: PACT Act burn-pit exposure

Veteran served in Iraq during qualifying period. PACT Act presumes burn-pit exposure for any Iraq service post-2001. Six conditions presumptive. Veteran does not currently have any of the presumptive conditions diagnosed; surveillance recommended.

PACT Act 2022 (PL 117-168)VA presumptive list 2025DD-214 deployment dates
INC-12
Lumbar rating: increase warranted

Current rating 10% (forward flexion 60-85 degrees). Recent C&P shows forward flexion 45 degrees with painful motion and functional loss. Per 38 CFR 4.71a, this supports 20% rating. File for increase with the new C&P findings.

38 CFR 4.71a DC 5237C&P exam 2025-03DeLuca v. Brown precedent
OwlAssist
What it answered
Examiner asked
What’s the most likely combined rating after a supplemental claim, and which conditions should we add?
Owl answered in 0.7s

Predicted combined rating: 90%. The supplemental claim should add (1) sleep apnea secondary to PTSD at 50% (CPAP-required), (2) migraine secondary to PTSD at 30%, and (3) increase the lumbar rating from 10% to 20% based on the recent C&P. With existing 70% PTSD + 10% tinnitus + 10% hearing + new 50% OSA + new 30% migraine + increased 20% lumbar, VA Math yields 90% combined (not 100%, because of the bilateral factor and rounding). Probability of all three grants ~58% per cohort; PTSD-secondary OSA is the highest-confidence add. Recommend filing all three together as a single supplemental.

VA Math worksheetBVA secondary-OSA corpus38 CFR 4.71a DC 5237Cohort outcomes
Examiner asked
Draft the nexus letter for the OSA secondary claim.
Owl answered in 1.1s

Draft prepared. Format: Independent Medical Opinion / IMO from board-certified sleep medicine physician, citing veteran’s service-connected PTSD, the sleep study (AHI 22, moderate OSA), and the medical literature establishing PTSD-OSA association (Krakow 2002, Mysliwiec 2018). Opinion language: "It is at least as likely as not that the veteran’s OSA is caused or aggravated by his service-connected PTSD." DBQ for sleep apnea attached. Probability of grant on this letter pattern in this Regional Office: 74%.

IMO template libraryBVA secondary-OSA corpusPTSD-OSA medical literatureRegional Office grant rates
04OwlSignal external data

What the world says about your VA disability 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 VA disability.

CFR38 CFR, Rating Schedule

38 CFR Parts 3 and 4 (the full VA Schedule for Rating Disabilities), walked diagnostic-code by diagnostic-code, with the percentage criteria, the bilateral factor, and the VA Math combined rating formula.

38 CFR Parts 3 + 4VA Schedule for Rating DisabilitiesM21-1 adjudication procedures
BVABVA Precedent Corpus

Owl’s BVA decisions corpus (1.8M decisions, all public): secondary-condition nexus precedent, presumptive-grant patterns, evidence-development requirements, and ALJ decision behavior by Veterans Law Judge.

BVA decisions databaseOwl BVA precedent corpusVeterans Law Judge graph
PRSPresumptives + PACT Act

PACT Act, Agent Orange, Gulf War, Camp Lejeune, atomic veterans: every presumptive condition list, every qualifying period, every location, kept current as VA updates.

PACT Act 2022VA presumptive list (live)Camp Lejeune Family Act
STRSTR + Personnel + DD-214

Service Treatment Record, personnel file, DD-214, Line of Duty determinations, MOS-to-event correlations, and Owl’s MOS-to-condition correlation matrix from public BVA outcomes.

STR / VBMSeBenefitsNPRC recordsOwl MOS-condition matrix
CPSC&P Exam DBQs

Disability Benefits Questionnaires for every body system, the DeLuca-factors functional-loss criteria, and Owl’s tracker of which examiners and contract-vendors produce inadequate exams.

VA DBQ libraryC&P contract examiner dataOwl exam-quality tracker
RGNRegional Office Outcomes

Regional Office grant-rate by issue, average days to decision, remand rate, and Owl’s benchmarks for which ROs require IMO support and which do not.

VA RO statisticsBVA remand-rate by ROOwl RO outcomes graph
Refreshed daily, matched by identity-resolution, every observation cited to its source.
05What changes

Numbers from VSO networks and assistance vendors running Owl on VA claims in production.

MetricWithout OwlWith Owl
Secondary-condition adds identified0.6 / file2.4 / file
Predicted-rating accuracy (±5pp)n/a79%
Cycle time, supplemental drafted8 days52 minutes
Combined-rating uplift per veteran+12pp avg
Inadequate-exam detection11%74%
Cost per claim packet$640$84
Source: rolling 12-month average across 3 VSO networks + 2 accredited claims agents, n = 18K veterans assisted.

Built for the regulatory shape of VA disability.

38 CFR 14.629Accreditation rules for claim representatives respected; Owl supports the rep, never substitutes.
VA Privacy ActVeteran consent (VA Form 21-22 / 21-22a) required before any VA-system data is processed.
38 USC 5904Fee agreements honored; Owl operates within accredited-rep workflows.
BVA evidentiary rulesEvery Owl-drafted argument cited to a regulation, statute, or BVA precedent.
VA Form 21-526EZFully Developed Claim packets supported end-to-end.
Reg AI / NYDFSBias testing across age + race + sex + MOS + region; documented.
SOC 2 Type IIAnnual audit, continuous controls monitoring.
Records retentionPer VA, per accreditation rules.
07Integrations

Lives where your VA disability files live.

Claim management

VetraSpec, Vetstoria, in-house

VA systems

VBMS, eBenefits, VA.gov (with consent + 21-22)

Records intake

NPRC, DPRIS, MRO, Verisma

Document intake

Box, OnBase, ImageRight

BVA precedent

Owl BVA corpus, VA case search, Veterans Law Library

Identity & SSO

Okta, Azure AD, PingFederate, SAML, SCIM

08Get started

Bring us a quarter of veteran files. We’ll show you the underclaimed secondaries on day one.

Two-week pilot. Your veteran files, your tenant, your accreditation. We measure secondary-condition detection, predicted-rating accuracy, cycle time and combined-rating uplift against your own ground truth.