Before You Upload — Please Read
LTD Contract IQ™ uses AI to analyze the document you upload. Please review the following before proceeding.
Do not upload PHI or PII
Remove all Protected Health Information (PHI) and Personally Identifiable Information (PII) — including member names, SSNs, dates of birth, and claim details — before uploading. This tool is not HIPAA-compliant and is not designed to process individual health records.
No persistent storage — processed in memory only
Uploaded files are processed in memory and never written to disk. Your document is sent to OpenAI's API for analysis and discarded immediately after the review is complete — it is not stored on our servers or retained for training. OpenAI's handling of your data is governed by their privacy policy.
Encrypted in transit
All uploads are transmitted over TLS. Files are processed in memory only and are never written to persistent storage.
No deletion needed — nothing is stored
Because files are processed in memory and never written to disk, there is nothing to delete. Your document is gone the moment the analysis is returned.
AI analysis is for informational purposes only and does not constitute legal, compliance, or financial advice. Always consult qualified counsel before acting on contract analysis results.
LTD Contract IQ™
Upload a group LTD policy, certificate, proposal, or renewal and get an employer-focused review of disability definitions, benefit economics, offsets, limitations, claims language, and negotiation priorities. Supports single-document review and two-document comparison.
Do not upload documents containing PHI or employee personal information.
Upload only plan-level contract documents: the master agreement, pricing exhibits, rebate exhibits, amendments, and addenda. Do not include employee names, Social Security numbers, member IDs, claim-level detail, or any other protected health information (PHI).
✓ Safe to upload: master agreements, pricing schedules, rebate exhibits, amendments, addenda, proposals, and renewals.
Your document is transmitted over HTTPS to OpenAI's API for analysis. EmployerBenefitsIQ does not retain the uploaded file after processing. OpenAI's applicable API data-handling terms apply. View our data handling policy →
What the AI reviews
Designed around employer and employee income-protection risk.
Disability definition & occupation
Own-occ vs. any-occ transition, material duties, specialty occupation, national economy, and carrier discretion.
Benefit economics
Benefit %, monthly maximum, elimination period, maximum benefit period, earnings definition, and COLA.
Offsets & SSDI integration
SSDI offset, workers' comp, pension, salary continuation, overpayment recovery, and recoupment language.
Limitations & exclusions
Pre-existing condition, mental/nervous, substance use, self-reported symptoms, and other benefit-shortening limits.
Partial / residual & return to work
Residual disability formula, recurrent disability, rehabilitation, survivor benefit, and waiver of premium.
Eligibility & continuity
Eligible classes, active-at-work, takeover provisions, conversion/portability, and leave-of-absence treatment.
Claims & appeals language
Proof of loss, continuing proof, independent review, conflict-of-interest safeguards, and ERISA issue spotting.
Contract clarity & administration
Amendment rights, carrier discretion, policy/certificate hierarchy, and must-confirm terms.
PDF is strongly preferred — the AI evaluates both extracted text and page images for the most thorough review.