Medical-review contractors described how they assess disability retirement claims, with a focus on longitudinal evidence and specialty review. Doug Minky, MMRO vice president and general counsel, and Jen Mojo, the organization's clinical lead, outlined steps from file preparation through physician review and quality assurance.
MMRO staff said a disability nurse case manager prepares claim files, requests missing records, and determines specialty assignment so physician reviewers receive well'organized records. As one reviewer summarized, "we're always looking for at least 6 to 12 months of recent relevant medical evidence to support whatever diagnosis or diagnoses or conditions are under review," meaning a single month of therapy notes is usually not enough to evaluate permanency or functional limitations.
The presenters described credentialing and QA: MMRO maintains a panel of hundreds of board'certified physicians, credentialing standards, and a nurse-driven quality-assurance step that sends reports back to reviewers when documentation or clinical reasoning is incomplete. They also noted the use of validated screening tools (PCL5, PHQ9, GAD7, MMPI2) and specialty matching (psychiatrists for PTSD) to strengthen consistency across reviews.
Committee members asked about variability across states and the presenters replied that disability outcomes depend heavily on statutory standards (own-job vs. any-job vs. permanency definitions) as well as the available medical record and evidence.