Line 03 Short-term, long-term, statutory & supplemental

Disability, with return-to-work built in.

STD, LTD, statutory and voluntary products on one platform. Claim intake, clinical review, vocational rehab and RTW tracking — all connected to the policy.

Explore capabilities
Group & individual disability carriers

From enrollment to return-to-work.

Disability claims are long, complex and clinical. Our platform treats every case as a longitudinal record — not a one-off event.

01

Product configuration

STD, LTD, statutory (NY, NJ, CA, HI, RI, PR), and voluntary buy-up products modeled without code.

02

Claims intake & EDI

Telephonic, portal and EDI claim initiation. Automatic eligibility, waiting-period and benefit-duration calculation.

03

Clinical review

Built-in disability duration guidelines (MDGuidelines, ODG). Nurse case manager and medical director workflows.

04

Vocational rehab

Return-to-work planning, transferable skills analysis, employer accommodation tracking.

05

Offsets & SSDI

Automatic SSDI, workers comp, retirement and earnings offset calculation. SSDI referral tracking.

06

Compliance

ERISA, DOL claim-regulation timelines, state-mandated disability rules — all tracked and enforced.

Return-to-work engine

Every claim tracks the person, not the payment.

Our RTW engine ties medical information, vocational assessment and employer accommodation into a single longitudinal record — driving better outcomes and lower reserves.

  • Duration guidelines. MDGuidelines and ODG integration for expected recovery timelines.
  • Accommodation. Employer portal for light-duty, modified-schedule and ADA accommodation offers.
  • Earnings tracking. Partial-benefit calculation with real-time earnings reconciliation.
  • SSDI. Automatic SSDI application tracking with attorney-network integration.
  • Reserves. IBNR, reported-open and claim-level reserve recommendations updated daily.
By the numbers

Better outcomes. Lower reserves.

28%
Average reduction in LTD claim duration
15 d
Median time from claim intake to first decision
6
Statutory jurisdictions supported end-to-end
ERISA
Compliance timelines enforced automatically
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