Unum just upheld their disability insurance claim denial citing objective medical evidence standards, and I want to appeal using current ERISA regulations for occupational versus any occupation definitions.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Unum just upheld their disability insurance claim denial citing objective medical evidence standards, and I want to appeal using current ERISA regulations for occupational versus any occupation definitions.
3 real searches · 1 real-search pass
2026 ERISA disability claims procedure regulation 29 CFR 2560.503-1 objective medical evidence disability denial occupational any occupation Department of LaborGoogle ↗
OBSERVEDReason
29 CFR 2560.503-1 disability claims full and fair review specific reasons evidence relied upon regulationGoogle ↗
OBSERVEDReason
ERISA disability benefits objective evidence subjective symptoms Ninth Circuit Saffon Unum medical evidence occupational any occupationGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 ERISA disability claims procedure regulation 29 CFR 2560.503-1 objective medical evidence disability denial occupational any occupation Department of Labor Google ↗
29 CFR 2560.503-1 disability claims full and fair review specific reasons evidence relied upon regulation Google ↗
ERISA disability benefits objective evidence subjective symptoms Ninth Circuit Saffon Unum medical evidence occupational any occupation Google ↗
- 29 CFR § 2560.503-1 – Official federal regulation · ecfr.gov
- 29 CFR § 2560.503-1 - Claims procedure. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- 29 CFR 2560.503-1 | Claims procedure · ecfr.io
- Group Health and Disability Plans Benefit Claims Procedure Regulation · dol.gov
- Read Saffon v. Wells Fargo · cdn.ca9.uscourts.gov
- U.S. Department of Labor – Filing a Claim for Disability Benefits · dol.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 ERISA disability claims procedure regulation 29 CFR 2560.503-1 objective medical evidence disability denial occupational any occupation Department of Labor OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
29 CFR 2560.503-1 disability claims full and fair review specific reasons evidence relied upon regulation OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
ERISA disability benefits objective evidence subjective symptoms Ninth Circuit Saffon Unum medical evidence occupational any occupation OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |