DISABILITY
Independent Disability Reviews for STD and LTD Programs
Objective, evidence-based peer reviews for short-term and long-term disability claims — delivered by board-certified physicians with relevant specialty experience and no conflict of interest.
What's included
Short-Term Disability Reviews
Records-based peer reviews evaluating whether the claimant’s medical documentation supports disability under the terms of the applicable STD policy. Specialty-matched reviewers assess diagnosis, functional limitations and appropriateness of the elimination period.
Long-Term Disability Reviews
Comprehensive clinical reviews of LTD claims addressing medical necessity, functional capacity and whether the claimant’s condition meets the applicable own-occupation or any-occupation disability standard. Includes initial reviews, periodic file reviews and appeal reviews.
Functional Capacity Reviews
Clinical evaluation of the claimant’s functional limitations based on medical records, treating physician notes and diagnostic findings. Addresses the claimant’s ability to perform occupational demands including sitting, standing, lifting, concentration and sustained activity.
Appeal Reviews
Independent second-level review of denied or terminated STD and LTD claims. Our board-certified reviewers provide defensible, evidence-based opinions that withstand ERISA scrutiny and regulatory review.
ERISA Compliance Reviews
Reviews conducted in full compliance with ERISA requirements including applicable timelines, adverse benefit determination standards and disclosure obligations. Supports plan administrators in meeting DOL and federal regulatory requirements.
Physician Advisor Consultations
Real-time clinical consultations with board-certified physicians supporting claims teams, nurse case managers and in-house medical directors on complex or high-value disability cases.
Who we serve
medlitix supports the full spectrum of disability carriers and administrators.
→ Group Disability Insurance Carriers
→ Disability Insurance Carriers
→ Third-Party Administrators
→ Self-Insured Employers and ERISA Plans
→ Managed Disability Organizations
→ Stop-Loss Carriers
Why Medlitix for Disability
Board-certified reviewers matched to claimant specialty
ERISA-compliant process and documentation
STD and LTD reviews across all diagnostic categories
48hr standard turnaround with rush options available
Defensible opinions that withstand appeals and litigation
No conflict of interest — fully independent review