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.
Check your confidentiality obligations first
PBM contracts and vendor agreements often contain confidentiality provisions that restrict disclosure to third parties — even without PHI. Before uploading, confirm that sharing the document with an AI analysis service is permitted under any applicable confidentiality agreement. An authorized representative of your organization should make that determination.
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.
Original file deleted after processing
Your uploaded document is used only for the requested analysis and is deleted immediately after processing. The platform may retain aggregate, non-identifying analysis results to support your tool history — original file contents are never stored.
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, claimant information, or confidential materials without authorization.
Stop-loss documents can contain individually identifiable information in laser schedules, underwriting disclosures, or claimant-related exhibits — even when described as plan-level documents. Before uploading, confirm you are authorized to share the document with a third-party AI analysis service under any applicable confidentiality agreement. Do not include claimant names, Social Security numbers, member IDs, claim-level detail, or any other protected health information (PHI).
✓ Appropriate to upload (de-identified): the policy, schedule of benefits, binding proposal, endorsements, laser schedules with claimant information removed, premium and attachment-point exhibits, and renewal amendments.
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 risk, not carrier marketing language.
Disability definitions
Own-occupation vs. any-occupation, elimination period, partial/residual disability, mental health and substance abuse limits.
Benefit economics
Benefit percentage, maximum monthly benefit, benefit duration, cost-of-living adjustments, survivor benefits.
Offsets & integration
Social Security, workers' comp, state disability, retirement income, other income offsets and integration rules.
Limitations & exclusions
Pre-existing condition clauses, mental health/substance abuse caps, self-reported symptom limits, exclusion lists.
Claims language & process
Proof of loss requirements, claim filing deadlines, appeals process, independent medical exams, discretionary authority.
Renewal & portability
Rate guarantee, renewal terms, portability and conversion rights, non-cancellation provisions.
Employer obligations
Reporting requirements, premium payment terms, plan document consistency, ERISA compliance considerations.
Negotiation priorities
Employer-friendly changes, questions for the carrier, items to confirm in writing before binding.
PDF is strongly preferred — the AI evaluates both extracted text and page images for the most thorough review.