Disability claim analysis for claimant attorneys, carrier defense teams, and ERISA external review — inherently bilateral. LTD carriers deny claims; claimants appeal. Both sides need physician analysis of the medical record against the disability definition.
Does the medical record support the functional limitation under the policy's disability definition?
Carrier-commissioned IME or FCE analysis deconstructed — same seven-defect framework applied to disability evaluations.
Gaps in functional capacity documentation that carriers will exploit in claim denial.
Physician assessment of whether the medical record supports the claimant's disability theory — and where it is most exposed.
Was the denial rationale supported by the clinical evidence? Documentation audit for ERISA litigation defense.
Documented exposure range for reserve-setting on disputed LTD claims.