For Insurance Carriers
Medical Record Review Software for Insurance Carriers
OctopusLM turns a claimant's medical file into a narrative summary and a dated chronology where every line cites the page it came from. Your examiners verify instead of re-read.
$0.10/page · $250/month unlimited · Custom team plans · HIPAA & PIPEDA compliant · Web-based, nothing to install
The problem: the medical file is the bottleneck
On a bodily injury, disability, or workers' compensation claim, the medical records are usually the largest, slowest, and most consequential part of the file. They arrive as scanned PDFs, out of order, with duplicates, handwriting, and mixed providers. Someone has to read all of it before reserves are set, causation is assessed, or an IME is scoped.
That someone is expensive — a nurse case manager, a medical director, an outside review vendor — and the wait is measured in days or weeks.
What OctopusLM does with a claim file
Upload the PDFs exactly as you received them. OctopusLM reads every page and produces:
- A narrative medical summary — mechanism of injury, diagnoses, treatment course, pre-existing conditions, current status.
- A dated medical chronology — every encounter, provider, diagnosis, medication, imaging result, and work-status note in order.
- A page citation on every line. Click any entry and the source page opens. Nothing is asserted without a reference back to the record.
- Word and Excel export for the claim file, the IME referral, or defence counsel.
Because every line is cited, the output is something a claims professional can verify in minutes rather than trust on faith. That is the difference between an AI summary that is useful in a contested claim and one that is not.
Where carriers use it
| Claim stage | What the chronology gives you |
|---|---|
| Intake / triage | A same-day view of injury, treatment to date, and pre-existing history before the first adjuster call |
| Reserving | Treatment intensity, specialist referrals, imaging, and surgical recommendations pulled into one timeline |
| Causation review | Pre-accident records and post-accident records side by side, dated, cited — the foundation for a Bradford Hill analysis |
| IME / peer review referral | A cited chronology the examiner can rely on, plus the gaps and inconsistencies worth asking about |
| Litigation / hearing | A chronology that survives cross-examination because every entry points at a page |
Built for claims organizations, not just individual reviewers
The Insurance & Legal plan adds what teams need on top of the core product:
- Multi-user accounts and case sharing across adjusters, nurse reviewers, and SIU
- Causation analysis structured around the Bradford Hill criteria
- Claims intelligence and risk scoring on the treatment pattern
- Volume pricing for high-file-count programs
Individual reviewers can start today at $0.10 per page or $250 per month unlimited — no procurement cycle required to run a pilot on real files.
Security and compliance
OctopusLM is a web application — nothing is installed on adjuster workstations. Records are encrypted in transit and at rest, processed in HIPAA- and PIPEDA-compliant infrastructure, and never used to train models. See HIPAA and PIPEDA compliance for digital medical record review for how we handle both US and Canadian files.
“It's cutting my record review time significantly and extracting useful insights and summaries from otherwise complex time consuming files.”
Frequently asked questions
How is this different from a medical record summary vendor?
A summary vendor returns a document written by a person days later, and you take it at face value. OctopusLM returns a chronology in minutes where every line links to the page it came from, so your own nurse reviewer or adjuster can verify the parts that matter. Most carriers use it to triage and to prepare files before an outside review, not to replace medical judgement.
Does OctopusLM work for Canadian claims?
Yes. It processes Ontario SABS files, OCF-18 and OCF-23 forms, WSIB documentation, and CNESST records, and the platform is PIPEDA compliant. The blog has detailed guides on each of these jurisdictions.
Can it handle very large or badly scanned files?
Yes. Files with thousands of pages, out-of-order records, mid-page breaks, duplicates, and handwritten notes are the normal case, not the exception. Where OCR cannot read a page confidently, the output flags it rather than guessing.
What does it cost for a claims team?
Individual users pay $0.10 per page or $250 per month unlimited. Team plans with multi-user accounts, case sharing, and volume rates are priced per program — book a 15-minute demo and we will scope it against your file volume.
Is there an API or claims-system integration?
Team plans are scoped individually and integration needs are part of that conversation. Start with a pilot on exported PDFs; most teams find the Word and Excel export fits the existing file workflow immediately.
Related reading from the OctopusLM blog
Article
Bradford Hill Causation Criteria Explained for Legal Nurse Consultants
Article
7 Ways a Medical Chronology Goes Wrong (and How to Catch Them)
Article
Why Every Line in a Chronology Needs a Page Citation
Article
Verifying AI Output: A Checklist Before You Sign the Report
Article
HIPAA and PIPEDA Compliance for Digital Medical Record Review
Article
Chronic Pain Claims: Reading Long Treatment Histories
OctopusLM for other teams
Run one real file.
That's the fastest way to know if this is useful to you. Takes about five minutes, $0.10 a page.