Not every STD claim is alike
STD volume is the real problem. Owl reads every intake on arrival, plots it against an evidence-based recovery curve (ODG, MD Guidelines, Reed Group), auto-routes the clean ones, and reserves examiner time for the files where something genuinely does not fit. Coordination and ties surfaced in seconds.
58%
Intakes auto-route to pay on day 1
± 3 days
RTW prediction accuracy
CA EDD
State DI overlap on 11% of intakes
The volume game. Reading every intake. Cross-referencing the few that need it.
One file: 4 documents, 6 minutes, one decision.
Anonymized composite. Claimant J.R., 41, post-laparoscopic cholecystectomy 2025-09-04. The file arrives at intake. We watch Owl run.
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.
CA EDD eligibility check confirms an active SDI claim opened 2025-09-08 for the same disability period. Coordinate to avoid overpayment; California’s integrated benefit calculation applies.
Professional networks and corporate registries show no new role or filing in the disability window. Auto-route does not flag this dimension.
Open-web activity matches a typical post-surgical recovery: low public posting volume, no athletic activity logged in the impairment window. No examiner action required.
Earliest medically supported RTW is 2025-10-21 (day 47). The discharge summary cleared restrictions effective that date. CPT 47562 has a typical recovery of 28–42 days under ODG and 4–6 weeks under MD Guidelines. The week-6 APS confirms “no restrictions.” The file is at the upper end of the evidence-based band but inside it.
California requires integration of state SDI with employer-sponsored STD. CA EDD has approved $1,540/wk; the plan benefit is $1,000/wk. Under the plan’s integration clause (§3.4), Owl recommends coordinated payment with state-primary, employer-supplemental: net employer pay $0/wk while EDD is open. Confirm with payroll before adjudication.
What the world says about your Group STD 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 STD.
On STD, the leakage hides in overlap: state DI awards, prior open STD claims with another carrier, and short-cycle re-opens that look new but aren’t. Owl matches against external claim networks, not just your CMS.
New jobs, new businesses, gig roles or contract work that started during the disability period, sourced from professional networks and corporate registries, not from anything the claimant filed with you.
Open-web activity tested against the stated impairment window. We surface the contradictions and we surface the absence of contradiction: both useful at intake triage.
Address moves, job terminations, employer changes during the disability period, relevant for STD eligibility at the boundary of the integrated calendar.
Numbers from L&H carriers running Owl on Group STD in production.
Built for the regulatory shape of Group STD.
Lives where your Group STD files live.
Claim systems
FINEOS, Guidewire ClaimCenter, DCS, DXC
Document intake
Box, OnBase, Documentum, ImageRight, Kofax
Payroll & HRIS
Workday, ADP, UKG, Paylocity, Paychex
EHR / records
Epic, Cerner, MRO, Verisma, Ciox/Datavant
State DI
CA EDD, NY DBL/PFL, NJ TDB, RI TDI, HI TDI
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM
Bring us a month of STD intakes. We’ll show you which would have auto-paid.
Two-week pilot. Your records, your tenant, your plan integration rules. We measure auto-route rate, RTW accuracy and overpayment prevention against your own ground truth.