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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.

Executive Summary Architecture Use Cases Demo / POC Technical DesignGated

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

Continuous attestation checks (roadmap)

JIL Sovereign is building a roadmap of continuous attestation checks (in development, pending SSA Death Master File data access) 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 broad coverage.

Goal: JIL Sovereign's planned continuous checks are designed to deliver high 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

Priced against the value it returns. Measured first.

How the price is set
Recovered and protected value
An exposure assessment measures what the sealed record can recover and what pre-payment review can protect. Terms are set against that measurement, so the return is visible before the work starts.
Program terms
Set after the assessment
The fee is set against the measured value for that program, booked as operating expense. No rate card and no flat tier.
Not a contingency fee
You keep 100% of recoveries
Contingency recovery programs common in the industry take a share of what they find. JIL does not. The fee does not rise when a recovery is larger.

ROI is the recovered and protected dollars on the sealed record, divided by the fee. See pricing principles.

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.