WC insurers · Labor agencies · Unemployment · Disability
Verify Claims, Wages, Work Status, and Eligibility.
JIL Insurance and Labor Integrity helps insurers, employers, and agencies verify claim eligibility, wage data, employment status, disability or injury claims, unemployment benefits, and suspicious labor-related payments before disbursement.
Insurance and labor programs are vulnerable to identity conflicts, wage mismatches, duplicate claims, improper benefits, false work status, and suspicious payment routing. JIL provides an attestation layer before payment. Findings are routed to SIU with sealed evidence; legitimate claims clear faster with a defensible record attached.
Business use
Built for labor and insurance payment integrity.
Workers' compensation insurers, unemployment agencies, disability insurers, employers, and SIU teams need pre-disbursement integrity on claim eligibility, wage data, employment status, and payment routing. JIL provides the attestation layer and the evidence record SIU and legal counsel rely on.
Six business outcomes
Where Insurance and Labor Integrity moves the needle.
Workers' compensation
Identity reconciliation, employment-status confirmation, and injury-date validation before claim payment.
Disability claim review
Eligibility, treatment history, and benefit-overlap checks; SIU routing for anomalies.
Unemployment insurance
Cross-state duplicate-claimant detection, employment-status reconciliation, and bank routing anomaly detection.
Wage verification
Wage data confirmed against state wage records and employer-of-record databases.
Employment-status checks
Active, terminated, or never-employed status validated at the moment of claim adjudication.
SIU referral support
Structured findings with sealed CREB delivered into the SIU case-management workflow.
Use cases
Where the attestation lands.
P&C / WC carriers
Pre-payment integrity for claims, with frozen rule snapshots for appeals.
State labor agencies
UI and disability programs reduce improper payments through real-time identity and wage checks.
Self-insured employers
Internal claims integrity with audit-grade evidence for ERISA and self-funded programs.
Cross-program fraud detection
Identity match across UI, WC, disability, and benefits programs to detect cross-program abuse.
Third-party administrators
TPA claim ops receive structured pre-payment verdicts and sealed evidence for carrier reporting.
Regulatory audit
State and federal auditors retrieve sealed evidence directly; no reconstruction required.
Technical deep dive
How the attestation flows.
- Claim intake (WC, disability, UI)
- Wage record and employer-of-record data
- Employment status and active-employee feed
- Identity records and cross-program identifiers
- Bank routing and ACH detail
Program eligibility rules captured as deterministic checks per state, line of business, and policy form. Date-of-injury or date-of-claim rule snapshot freezes the criteria in force when the decision was made.
State wage record reconciliation, employer-of-record validation, and active-employee status at the date of injury or claim.
SSN/TIN partial-match analysis, shared addresses and bank accounts, synthetic-identity pattern detection, and cross-program identity reconciliation.
Bank routing anomalies, duplicate routing across unrelated claimants, mismatched account ownership, and high-risk-account detection before disbursement.
CREB packages the claim, eligibility-rule snapshot, wage and identity checks, routing decisions, and cryptographic timestamp. CourtChain seals the bundle under FRE 902(13).
API integration with claims platforms (Guidewire, Origami, state UI systems). Snowflake share for batch retrospective scan. SIU routing into existing case-management tools.
What this is not
Scope, plainly.
- Not an insurer
- Not a claims adjudicator by itself
- Not legal advice
- Not a final disability determination
- Not a replacement for investigator judgment
Pre-clear the claim before disbursement.
Brief your SIU, claims operations, or program integrity lead. We will walk the pre-payment model, the SIU routing, the sealed evidence record, and the integration path with your claims platform.
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