Before You Upload — Please Read
Stop-Loss 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.
Stop-Loss Contract IQ™
Upload a stop-loss policy, proposal, or renewal and get an employer-focused review of financial terms, contract provisions, exclusions, lasers, renewal risks, 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 risk, not carrier marketing language.
Contract basis & timing
Paid/incurred periods, run-in/run-out, terminal liability, filing deadlines, reimbursement timing.
Specific stop-loss
Deductible, aggregating specific, lasers, exclusions, maximums, advanced funding, eligible claim definitions.
Aggregate stop-loss
Corridor, attachment factors, minimum attachment, accommodation, monthly reporting, covered expenses.
Renewal protection
New-laser language, rate-cap language, disclosure obligations, no-new-laser provisions, carrier discretion.
Operational risk
Plan-document consistency, network/TPA requirements, exclusions, claim submission rules, recoupment, audit.
Negotiation priorities
Employer-friendly changes, questions for the carrier/TPA, 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.