Stop Sending Benefits to People Who Are Dead, Ineligible, or Do Not Exist.
SSI, SSDI, SNAP, HUD, TANF, CCDF, veterans benefits, and unemployment insurance disbursed over $1.3 trillion in FY2024. The GAO estimates $162 billion was improper. Every dollar was paid by a system that verified the format of the payment instruction - not whether the recipient was entitled to receive it on that date.
GAO-estimated improper payments across federal entitlement programs in FY2024. Includes an estimated $4.6B in SSA payments to deceased recipients over a recent multi-year period.
The problem in one paragraph
The SSA paid an estimated $4.6 billion in benefits to deceased individuals over a recent multi-year period because death record matching runs on a lag - sometimes months, sometimes years - and payments continue until the match is manually resolved. SNAP rolls include individuals who have moved out of state, died, or whose household composition changed without a corresponding eligibility update. HUD housing assistance continues to flow to addresses that are vacant, converted, or occupied by ineligible parties. TANF and childcare subsidies fund providers operating above licensed capacity or from addresses that cannot support the declared program. None of these programs verify eligibility in real time before each disbursement. They rely on periodic recertification and post-payment audit. By the time the audit runs, the money is gone.
Six questions no current entitlement system asks at the payment level.
Before any benefit payment is released, JIL answers:
- Is this recipient alive as of today's payment date?
- Does the recipient's current address exist, is it occupied, and is it the type of address consistent with this benefit type?
- Has the recipient's household composition or income situation changed in a way that would affect eligibility?
- Is this recipient enrolled in the same or a substantially similar program in another jurisdiction?
- For provider-based programs (childcare, home health, hospice) - is the provider licensed, enrolled, and operating within their declared capacity on this date?
- Has this specific benefit payment - or one substantially similar - already been issued to this recipient in this period?
If any answer is no, the payment holds. The eligibility worker sees the specific reason. The benefit does not disburse until eligibility is confirmed.
Ten checks. Targeted to the actual fraud vectors.
You do not run all 111 checks against a SNAP disbursement. You run the ones that address the actual fraud vectors for that program.
- Death record verification - SSA Death Master File and state vital records cross-referenced on every payment date, not on a quarterly batch cycle; no benefit releases on a confirmed deceased recipient
- Address existence and classification - recipient address verified as residential, occupied, and consistent with the benefit type; vacant lots, P.O. boxes, and commercial addresses flagged before disbursement
- Address tenure - how long has the recipient been at this address? Recent move without address update triggers review
- Cross-program and cross-jurisdiction duplicate enrollment - same SSN or identity fingerprint receiving the same benefit type in more than one state or program; caught before the second payment clears
- Household composition plausibility - declared household size and composition evaluated against address capacity and known residency data; overclaimed households flagged
- Income and asset consistency - declared income evaluated against available financial activity data for the same period; unreported work activity or asset holdings flagged
- Provider enrollment and capacity (for CCDF, home health, hospice, adult day programs) - provider licensed and active on the payment date, billing within declared capacity, operating from a credentialed address
- Citizenship and DHS SAVE eligibility - for programs with citizenship or legal residency requirements, status verified at disbursement time, not at initial enrollment only
- Voter registration and residency cross-reference - residency claimed for benefit eligibility consistent with residency declared for other government purposes
- Spousal and survivor benefit eligibility - surviving spouse benefit recipients verified against remarriage records; benefits do not continue to ineligible surviving spouses
10 CHECKS. TARGETED TO THE ACTUAL FRAUD VECTORS IN ENTITLEMENT DISBURSEMENT. NOTHING IRRELEVANT RUNNING AGAINST YOUR PAYMENTS.
Reconstruct eligibility on every historical payment date.
Most entitlement fraud is not discovered at the payment level - it is discovered years later in audit, if at all. JIL runs the same 10 checks against your entire historical payment file, reconstructing the recipient's actual eligibility status on the date of every historical payment.
Who was dead. Who had moved. Who was enrolled in the same program in another state. Who was billing above capacity. Who declared an address that was vacant. All of it. Every record. Date-anchored and cryptographically sealed.
100 million records in 10 to 20 minutes. Findings suitable for SSA OIG referral, HHS ACF audit, state AG investigation, and False Claims Act proceedings.
Coverage across every major federal entitlement.
SSI / SSDI (Social Security Administration)
- Estimated $8.6B in SSI improper payments annually (SSA OIG)
- Primary vectors: payments to deceased recipients, unreported work activity, unreported asset changes, address fraud
- JIL checks: death verification, income consistency, asset consistency, address validation
- Retroactive lookback: SSA maintains multi-year payment history; Investigation Engine can process the full file
SNAP (Supplemental Nutrition Assistance Program)
- $11.8B in SNAP improper payments in FY2023 (USDA FNS)
- Primary vectors: ineligible households, trafficked benefits, duplicate enrollment across states, deceased recipient payments
- JIL checks: death verification, household composition, cross-state duplicate enrollment, address validation
- State-level deployment: JIL integrates with state SNAP eligibility systems via API; no federal system migration required
HUD Housing Assistance (Section 8 / Public Housing / HOME)
- $3.8B in HUD improper payments in FY2023 (HUD OIG)
- Primary vectors: ineligible tenants, undisclosed income, phantom units, landlord fraud, deceased tenant continued payments
- JIL checks: death verification, income consistency, address classification and occupancy, household composition
- Landlord-side verification: property address verified as residential and occupied before HAP payment releases
TANF (Temporary Assistance for Needy Families)
- $1.7B in estimated TANF improper payments annually
- Primary vectors: income misrepresentation, household composition fraud, interstate duplicate enrollment, ineligible work status
- JIL checks: income consistency, household composition, cross-state duplicate enrollment, work activity verification
CCDF (Child Care and Development Fund / Childcare Subsidies)
- $2.7B in estimated childcare subsidy fraud annually (HHS ACF)
- Primary vectors: phantom children, providers billing above capacity, dissolved or unlicensed provider entities, addresses incapable of supporting a childcare program
- JIL checks: provider enrollment and capacity, address classification, license status, billing plausibility
Veterans Benefits (VA Pension / Disability / Survivor Benefits)
- $2.1B in VA improper payments annually (VA OIG)
- Primary vectors: deceased veteran payments, surviving spouse eligibility changes, unreported income, duplicate payments
- JIL checks: death verification, spousal eligibility, income consistency, duplicate payment detection
Unemployment Insurance
- $60B+ in pandemic-era UI fraud; $8.4B in ongoing annual improper payments (DOL OIG)
- Primary vectors: identity theft claims, deceased claimant payments, interstate duplicate filing, continued payments after return to work
- JIL checks: identity verification, death verification, cross-state duplicate filing, work activity consistency, address validation
Recovery. Prevention. Political defensibility.
Direct Financial Recovery (Investigation Engine)
- Example: state Medicaid + SNAP program, 10M recipients, 4-year lookback = 40M historical payment records
- Investigation Engine run at 5 bps: ~$200K - $400K cost
- Typical improper payment identification rate: 3 - 8% of records
- At 5% on $2B annual disbursement over 4 years = $400M identified
- Recovery at 20 - 40% of identified amounts = $80M - $160M recoverable
- ROI on investigation spend: 200 - 800x
- Revenue-share option: 10% of confirmed recovered funds, zero upfront cost - turns the investigation into a self-funding exercise with no budget authorization required
Forward-Looking Prevention (per $500M annual disbursement)
- 1% improper payment reduction = $5M annually prevented
- 0.5% reduction = $2.5M annually prevented
- JIL engagement cost at 35 bps on $500M = ~$1.75M annually
- Net benefit at 1% prevention: $3.25M year one
- Federal matching funds implications: states that reduce Medicaid and SNAP improper payments may improve federal match calculations; the indirect fiscal benefit compounds the direct prevention figure
Operational Benefits
- Eligibility worker caseload reduced - REVIEW queue replaces manual periodic recertification for the highest-risk cases
- Death record lag eliminated - payment stops the day death is confirmed, not months later when the batch match runs
- Cross-state duplicate detection unavailable in any current single-state system - unique to JIL's shared attestation ledger
- Audit evidence generated at payment time, not reconstructed from eligibility records months later
Political and Compliance Benefits
- Every NO verdict is documented with the specific reason - defensible in any legislative oversight proceeding or inspector general review
- GAO and OIG findings directly addressed at the payment level - demonstrable structural response to documented recommendations
- State agencies can demonstrate to federal oversight that pre-payment verification controls exist and are operating - reduces improper payment penalty risk under federal matching rules
4 to 6 weeks for state programs. 6 to 10 for federal.
State entitlement program integrations: 4 to 6 weeks standard. Federal agency integrations: 6 to 10 weeks depending on procurement pathway and existing API infrastructure.
JIL runs alongside existing eligibility determination systems. No replacement of eligibility databases. No change to benefit calculation logic. JIL adds one gate: before the ACH or EBT transaction releases, the recipient clears verification.
For the Investigation Engine only (retroactive, no forward deployment): engagement can begin immediately upon records transfer. No system integration required.
Federal, state, and contingency fraud-recovery engagements.
- State Medicaid agencies and managed care organizations
- State SNAP and TANF program administrators
- HUD Office of Inspector General and regional housing authorities
- SSA OIG and state Disability Determination Services
- State workforce agencies administering UI programs
- HHS ACF childcare program administrators
- VA benefits program administrators
- Congressional oversight staff and legislative auditors
- Inspector General offices at the federal and state level
- Fraud recovery vendors and contingency audit firms working under state and federal contracts
Request an Entitlement Investigation Engagement
See JIL attestation infrastructure applied to your SSI, SNAP, HUD, TANF, CCDF, VA, or UI program. Revenue-share available - zero upfront cost on retroactive engagements.
or email support@jilsovereign.com