Public pensions + life carriers + ERISA sponsors

Public Pension Death Fraud

Eliminate the 12-36 month detection lag on annuitant overpayments across the $350 billion annual annuity flow. SSA DMF, state vital records, probate filings, obituary feeds.

The gap

12 to 36 month lag in detecting annuitant overpayments

Public pensions, life carriers, and ERISA sponsors face a significant detection lag of 12 to 36 months in identifying overpayments to annuitants. This lag results in substantial financial losses and undermines the integrity of the $350B annual annuity flow.

JIL Sovereign addresses this gap by leveraging the Social Security Administration Death Master File (SSA DMF), state vital records, probate filings, and obituary feeds to provide continuous attestation and eliminate the detection lag.

Concrete claim: JIL Sovereign reduces the detection lag from 12 to 36 months to near real-time, ensuring timely identification and recovery of overpayments.

How JIL closes it

12 continuous checks

JIL Sovereign employs a robust system of 12 continuous checks to ensure the integrity of annuitant attestations. These checks are designed to verify the accuracy and timeliness of annuitant data, leveraging multiple authoritative sources to provide comprehensive coverage.

Concrete claim: JIL Sovereign's 12 continuous checks ensure the highest level of accuracy and timeliness in annuitant attestations, minimizing the risk of overpayments.

Monthly attestation subscription

Continuous monitoring and attestation

JIL Sovereign offers a monthly attestation subscription service that provides continuous monitoring and attestation of annuitant data. This service ensures that any discrepancies or overpayments are identified and addressed promptly, reducing the total addressable market (TAM) from $200M to $500M and the addressable annual overpayment pool from $1B to $3.5B.

Concrete claim: JIL Sovereign's monthly attestation subscription service reduces the TAM to $200M to $500M and the addressable annual overpayment pool to $1B to $3.5B.

Evidence to recoupment

Seamless transition from evidence to recoupment

JIL Sovereign's platform not only provides court-ready evidence bundles (CREB) but also facilitates the seamless transition from evidence generation to recoupment. This end-to-end solution ensures that identified overpayments are efficiently recovered, maximizing the return on investment for buyers.

Concrete claim: JIL Sovereign's end-to-end solution ensures efficient recovery of identified overpayments, maximizing ROI for buyers.

Pricing

Transparent and competitive pricing

JIL Sovereign offers transparent and competitive pricing structures to accommodate the diverse needs of its buyers. The pricing model is designed to provide flexibility and scalability, ensuring that buyers receive the best value for their investment.

Pricing -- Fraud Pillar Standard

One model. Bottom-line aligned.

Retroactive scan
one-time, scoped to volume
4-year minimum lookback. Builds the base dataset. Proves the closed-loop economics before the flat-fee leg starts.
Flat fee
12.5% of disclosed PI spend
Annual, capped. Covers nightly T1 + AVA + T2 + CREB(TM) generation. Below the industry-standard 15 to 25% SIU contingency.
Contingency
10% of net cash recovered
Performance-aligned. Fires only on actual recovered cash, net of MAC appeal, settlement, and pursuit. Outside counsel runs 33%.
90-day pilot
$1M all-in, asymmetric downside
If Day 90 deliverables miss, the $1M converts to a 6-month platform credit and contingency drops from 10% to 7.5%. No other vendor in PI takes pure downside on the math.

Pricing anchored to public 10-K Schedule H disclosures + CMS PERM 2024. UHG-scale case study available at /products/mco-flat-fee.

Concrete claim: JIL Sovereign's transparent and competitive pricing ensures buyers receive the best value for their investment.

90-day pilot

Risk-free 90-day pilot program

JIL Sovereign offers a risk-free 90-day pilot program to allow potential buyers to experience the benefits of its platform firsthand. This pilot program provides an opportunity to test the system, evaluate its effectiveness, and make an informed decision without any financial commitment.

Concrete claim: JIL Sovereign's 90-day pilot program allows buyers to experience the platform's benefits risk-free.