DISABILITY & INCOME CLAIMS
Disability & Income Claim Investigation
Investigation support for short-term, long-term and income-replacement disability claims, built around documented occupational duties, reported restrictions and observable activity, with findings stated separately from analysis and no functional or medical opinion offered.
BUYER LENS
Know what this service should answer before you scope it.
What factual question must be developed, documented, or resolved without turning the investigator into the claim decision-maker?
Good reasons to start here
- The file contains conflicting or incomplete facts.
- A witness, scene, activity, relationship, or chronology requires independent development.
- A suspicious or complex matter needs a defined investigative path rather than open-ended monitoring.
What to have defined
- The authorized investigative question and assignment purpose.
- Known parties, chronology, and relevant records already held by the client.
- Any jurisdiction, representation, contact, or escalation restrictions that govern the work.
What this should inform
A clearer factual record for the carrier, TPA, counsel, or other accountable authority to evaluate.
ACCOUNTABLE OWNERSIU, claims, counsel, or the authorized matter owner.CAPABILITIES
Disciplined support built around the matter.
MODLAN scopes each engagement to the authorized assignment, applicable requirements, available evidence, and client objectives. Work is documented for clarity, defensibility, and appropriate downstream review.
Occupational duty developmentActivity documentationAnnounced-consent statementsPublic-source researchContinuing-eligibility verificationReport with exculpatory findings recorded
WHEN THIS SERVICE FITS
Built around a defined operational question.
- A disability, income-replacement, or continuing-benefit claim requires factual development.
- Occupational duties, public-source context, statements, activity, or continuing eligibility require clarification.
SCOPE
What the engagement can include.
The exact scope is established by the authorized assignment, applicable licensing or professional requirements, and client guidelines.
OPERATING MODEL
Controlled from assignment through handoff.
Frame
Define the exact factual questions and benefit-review scope.
Develop
Collect authorized occupational, statement, public-source, and activity evidence.
Separate
Distinguish observed facts from medical or functional conclusions.
Report
Return supporting, adverse, indeterminate and exculpatory findings with limitations.
WORK PRODUCT
What the matter can produce.
- Claim-focused factual report
- Source/custody references
- Occupational/activity chronology
- Unresolved questions
CONTROL BOUNDARY
What keeps the work defensible.
- No medical diagnosis or functional-capacity opinion is created by investigators.
- Observed activity is not equated to unrestricted capability.
- Public-source intelligence follows the separate SOCINT evidence standard.
- Benefit decisions remain with the authorized decision-maker.
SERVICE FAQ
Procurement and operating questions.
Do you decide whether someone is disabled?
No. MODLAN develops facts; medical and benefit determinations remain with qualified/authorized decision-makers.
Can SOCINT be included?
Yes, as a separately controlled source of evidence with attribution and context limits.
Can an Alive & Well Check be part of the matter?
Yes, when the assignment requires identity/presence/survivorship verification and the contact rules are satisfied.
Are supporting findings reported too?
Yes. Exculpatory and claim-supporting information is part of the same reporting duty.
WHERE THIS SITS IN MODLAN
TPA / Claims / Adjusting
Develop and administer the claim record under the client’s authority and guidelines.
Explore the operating family →CLAIMS OPERATIONSTechnology relationship
CST or integration services may add approved intelligence or interoperability, but they do not replace claim authority.
View the full MODLAN service ecosystem →HOW THIS SERVICE CAN SCALE
From assignment to enterprise program—without changing who owns the decision.
A defined objective, scope, owner, evidence/data path, and handoff for a specific matter or task.
Recurring or overflow use of the same capability under established client rules, controls, and escalation paths.
The service becomes one governed lane inside a broader multi-service operating model with explicit dependencies.
PROCUREMENT & IMPLEMENTATION
Questions to resolve before this service enters production.
Enterprise delivery depends on the operating context around the service—not merely the capability itself.
PROGRAM FITSIU Program
Explore program architecture →See how this capability can operate as a matter, overflow resource, or governed SIU program component.
DECISION CONTEXT
This service does not operate in isolation.
The engagement should connect to the correct buyer, adjacent operating layer, and assurance boundary without blurring professional authority or the source of record.
ENTERPRISE JOURNEY
Connect this service to the rest of the operating model.
Move from service selection into the adjacent operational, evidence, integration, assurance, or intelligence layer that the matter actually requires.
MODLAN SYSTEMS
Bring the right people, evidence, and intelligence to the problem.
Contact MODLAN to discuss the authorized scope, geography, timing, and operational requirements for your matter.