CPT code 99456 covers independent work‑related or medical disability examinations performed by a provider other than the patient’s treating physician, often as part of workers’ compensation or disability claims. Nationally, this code matters because it governs billing for neutral evaluations that inform return‑to‑work decisions, disability determinations, and third‑party administrative processes. Payers frequently apply specific documentation and billing rules to these services, and proper coding helps avoid claim denials and ensure appropriate capture of evaluation activities. Key payers in this analysis include Aetna, Blue Cross Blue Shield, Cigna Health, UnitedHealthcare, and Medicare. Readers will find a concise overview of what 99456 represents, typical service settings, common billing modifiers, and the kinds of benchmarks and policy considerations commonly associated with independent medical evaluations. The publication summarizes national reimbursement and coverage themes, highlights documentation elements that payers often require, and situates 99456 within the broader clinical workflow for work‑related disability assessments. Data not available in the input will be indicated where applicable.