Knowing when to close it out
Group LTD durations stretch into months and years, most of it spent waiting on records, chasing offsets and re-reading APS updates that never move the file. Owl reads every page on arrival, scores duration against an industry cohort table, and surfaces the off-file evidence the day it first appears.
M9 → M14
Cohort P50 vs. this file
$2,840 / mo
SSDI offset detected via SSA feed
184 prior claims
Treating NPI seen across 11 carriers
Three AI agents on a Group LTD file. Reading. Cross-referencing. Answering.
One file: 612 pages, 14 months, four open questions.
Anonymized composite. Claimant K.M., 48, sedentary office occupation, M54.5/M51.16 onset 2024-03. The file has been sitting in a duration-management queue for six months.
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.
A LinkedIn profile resolved to this claimant lists “Independent operations consultant” with a start date of 2025-06. The role description references on-site facility visits and a regular travel cadence, neither consistent with the sedentary, no-prolonged-sitting restriction in the APS.
Secretary of State filing in the claimant’s state of residence: “KM Operations Advisory LLC”, organized 2025-05-22, claimant listed as registered agent and sole member.
Public SSA disability determination indicates an award was issued 2025-07-14 with retroactive entitlement to 2024-11. This implies an offset opportunity of ~$2,840/mo with $34K of recoverable past-due offset.
Public posts on a fitness platform tied to the claimant show three documented 12-mile cycling sessions in the 90 days before the restriction-softening APS revision. Bookmarked for examiner review.
A small-claims filing in another county lists this claimant as plaintiff in an active matter that includes language about ongoing business operations, dated 2025-06-09.
Yes, restrictions were revised twice. On 2025-04-18 the APS noted “no work, indefinite.” On 2025-08-22 it was revised to “sedentary, 4 hours/day.” Between those dates there is no new imaging, no new functional testing, and no new specialist consult in the file. The 2025-08-22 SOAP note references the claimant’s “request to attempt return.”
Offset stack, in plan order: SSDI primary ($2,840/mo, retro to 2024-11), state DI not applicable (resident state), employer pension supplement ($410/mo, active 2024-09), other group disability not detected. Net offset against gross monthly benefit of $5,200 = $1,950 remaining. Estimated past-due recovery: $34,080 (12 months retro × $2,840).
What the world says about your Group LTD 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 Group LTD.
New employment, new business filings, contract or consulting roles, ownership changes: sourced externally and resolved to the claimant. The most material LTD signal: it speaks directly to disability status under any-occ and to material-duties under own-occ.
Address moves, new affiliations, marital changes, deaths, incarcerations: the eligibility-relevant life events claimants don’t self-report. On LTD these reset offset, beneficiary and jurisdiction calculus.
Open-web posts, athletic platform activity, public travel, mentions in news: cross-referenced against stated functional restrictions. We surface what the restriction says vs. what the world shows the claimant doing.
Court dockets, criminal filings, financial distress events, sanctions, watchlists: the public-record signals that change the eligibility shape of an open LTD file.
Multi-claim ties across other carriers, SSDI awards, state DI awards, double-dip exposure: surfaced from external networks and government feeds, not from the four walls of your CMS.
The treating physicians, IME vendors and plaintiff attorneys associated with this claim, scored against industry-wide claim outcomes, using cross-carrier data Owl curates, not records you have access to internally.
Numbers from L&H carriers running Owl on Group LTD in production.
Built for the regulatory shape of Group LTD.
Lives where your Group LTD files live.
Claim systems
FINEOS, Guidewire ClaimCenter, DCS, DXC, in-house mainframe
Document intake
Box, OnBase, Documentum, ImageRight, Kofax
EHR / records
Epic, Cerner, MRO, Verisma, Ciox/Datavant
Vendor networks
IME providers, FCE labs, vocational consultants, surveillance
Coordinated benefits
SSA, state DI (CA, NY, NJ, RI, HI), provincial WCB
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM provisioning
Bring us a closed Group LTD file. We’ll show you what it would have answered on day one.
Two-week pilot. Your records, your tenant, your plan language. We measure cycle time, duration, offset capture and decision quality against your own ground truth.