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Covers the full lifecycle: intake validation → fraud screening → triage routing → adjudication → payment authorization → appeals.\n\n## When to Use\n\n- Processing insurance claims (P&C, health, life, specialty)\n- Warranty claim evaluation and resolution\n- Healthcare reimbursement workflows\n- Financial dispute resolution\n- Any high-volume decision workflow with structured rules\n\n## Intake Validation Checklist\n\nRun every claim through these 8 gates before processing:\n\n1. **Policy verification** — Is the claimant covered? Policy active? Premium current?\n2. **Coverage confirmation** — Does the policy cover this specific loss type?\n3. **Timeliness** — Filed within contractual/regulatory deadline?\n4. **Documentation completeness** — All required attachments present?\n5. **Duplicate detection** — Same claimant + same loss date + same amount = flag\n6. **Jurisdiction check** — Which regulatory framework applies?\n7. **Reserved amount estimate** — Initial loss estimate within authority limits?\n8. **Assignment routing** — Complexity score determines handler tier\n\n## Triage Scoring Matrix\n\nScore each claim 0-100 to determine handling path:\n\n| Factor | Weight | Scoring |\n|--------|--------|---------|\n| Claim amount | 25% | <$5K=10, $5-50K=40, $50-250K=70, >$250K=100 |\n| Complexity indicators | 20% | Single event=10, Multi-party=50, Litigation=90 |\n| Fraud risk signals | 20% | 0 flags=0, 1-2=40, 3+=80 |\n| Regulatory sensitivity | 15% | Standard=10, State-regulated=50, Federal=80 |\n| Customer value | 10% | New=20, 1-3yr=40, 3-10yr=60, 10yr+=80 |\n| Prior claim history | 10% | 0 prior=10, 1-2=30, 3-5=60, 6+=90 |\n\n**Routing:**\n- 0-30: Auto-adjudicate (straight-through processing)\n- 31-60: Standard handler (5-day SLA)\n- 61-80: Senior adjuster (3-day SLA)\n- 81-100: Special investigations unit (immediate)\n\n## Fraud Detection — 12 Red Flags\n\nScreen every claim for these patterns:\n\n1. Filed within 30 days of policy inception or coverage increase\n2. Claimant recently added coverage for exact loss type\n3. Loss amount suspiciously close to policy limit\n4. Conflicting statements across documentation\n5. Prior claim frequency above 90th percentile\n6. Multiple claims across different insurers for same event\n7. Claimant unreachable or evasive during investigation\n8. Third-party witnesses share address/phone with claimant\n9. Loss occurred during financial hardship period\n10. Documentation appears altered or inconsistent\n11. Staged loss indicators (e.g., vehicle fire with personal items removed)\n12. Provider billing patterns outside statistical norms\n\n**Scoring:** 0 flags = clear, 1-2 = enhanced review, 3+ = SIU referral\n\n## Adjudication Decision Tree\n\n```\nClaim received\n├── Intake validation passes? → NO → Return to claimant with deficiency list\n├── YES → Fraud screening\n│   ├── SIU referral? → YES → Suspend, investigate, 30-day hold\n│   ├── NO → Coverage analysis\n│       ├── Covered peril? → NO → Denial with appeal rights\n│       ├── YES → Damage assessment\n│           ├── Amount within auto-authority? → YES → Auto-pay\n│           ├── NO → Manual review\n│               ├── Within handler authority? → YES → Approve/Deny\n│               └── NO → Escalate to authority holder\n```\n\n## Payment Authorization Tiers\n\n| Authority Level | Max Single Claim | Max Aggregate/Month |\n|----------------|-----------------|-------------------|\n| Auto-adjudication | $5,000 | $500,000 |\n| Claims handler | $25,000 | $250,000 |\n| Senior adjuster | $100,000 | $1,000,000 |\n| Claims manager | $500,000 | $5,000,000 |\n| VP/C-suite | Unlimited | Board notification >$1M |\n\n## SLA Benchmarks (2026 Industry Standards)\n\n| Metric | Bottom Quartile | Median | Top Quartile |\n|--------|----------------|--------|-------------|\n| First contact | >48 hours | 24 hours | <4 hours |\n| Simple claim cycle | >21 days | 12 days | 3-5 days |\n| Complex claim cycle | >90 days | 45 days | 21 days |\n| Straight-through rate | <15% | 35% | >60% |\n| Customer satisfaction | <3.2/5 | 3.8/5 | >4.4/5 |\n| Leakage rate | >12% | 7% | <3% |\n| Reopened claims | >8% | 4% | <2% |\n\n## Cost-of-Poor-Processing Table\n\nFor a company processing 10,000 claims/year at $15,000 average:\n\n| Inefficiency | Annual Cost |\n|-------------|------------|\n| 5% leakage (overpayment) | $7,500,000 |\n| 10-day cycle time excess | $420,000 (staff cost) |\n| 3% fraud miss rate | $4,500,000 |\n| Manual rework (15% rate) | $360,000 |\n| Regulatory penalties | $50,000-$2,000,000 |\n| Customer churn (poor experience) | $1,200,000 |\n| **Total recoverable** | **$14,030,000+** |\n\nScale linearly for your volume. A 1,000-claim operation still bleeds $1.4M.\n\n## Appeals & Dispute Resolution\n\nEvery denial must include:\n1. Specific policy language supporting denial\n2. Factual basis with documentation references\n3. Appeal deadline (typically 60 days)\n4. Appeal submission instructions\n5. External review rights (where applicable)\n6. Regulatory complaint contact info\n\n**Appeal success rate benchmarks:**\n- Internal appeal overturn: 30-45%\n- External review overturn: 40-55%\n- If your overturn rate exceeds 50%, your initial adjudication process needs fixing\n\n## Regulatory Compliance by Line\n\n| Line of Business | Key Regulations | Audit Frequency |\n|-----------------|----------------|----------------|\n| Property & Casualty | State DOI, NAIC models | Annual |\n| Health | ACA, ERISA, state mandates | Quarterly |\n| Workers' Comp | State-specific, NCCI | Semi-annual |\n| Auto | State no-fault/tort, DOI | Annual |\n| Life & Annuity | State guaranty, NAIC | Annual |\n| Financial/Warranty | CFPB, FTC Act, Magnuson-Moss | Annual |\n\n## Agent Automation Opportunities\n\nFunctions ready for AI agent deployment today:\n\n| Function | Automation Potential | Annual Savings (per 10K claims) |\n|----------|--------------------|-----------------------------|\n| Intake validation | 85-95% | $180,000 |\n| Document extraction | 90-98% | $240,000 |\n| Fraud pre-screening | 70-85% | $320,000 |\n| Simple adjudication | 60-75% | $450,000 |\n| Payment processing | 95-99% | $120,000 |\n| Status communications | 90-95% | $95,000 |\n| Subrogation identification | 50-70% | $280,000 |\n| **Total agent-recoverable** | | **$1,685,000/year** |\n\n## Industry-Specific Claim Patterns\n\n| Industry | Primary Claim Types | Avg Cycle Time | Key Pain Point |\n|----------|-------------------|---------------|---------------|\n| P&C Insurance | Property damage, liability, auto | 18 days | Leakage + fraud |\n| Health Insurance | Medical, pharmacy, behavioral | 14 days | Prior auth bottleneck |\n| Workers' Comp | Injury, disability, rehab | 45 days | Return-to-work delays |\n| Warranty | Product defect, service, recall | 12 days | Vendor recovery |\n| Financial Services | Disputes, chargebacks, errors | 10 days | Reg E/Z timelines |\n\n---\n\n## Get the Full Industry Context Pack\n\nThis skill covers claims processing mechanics. For complete industry-specific automation strategies, cost models, and deployment playbooks:\n\n**→ [AfrexAI Context Packs](https://afrexai-cto.github.io/context-packs/)** — $47 per industry vertical\n\n- **Healthcare Pack** — HIPAA-compliant claims automation, prior auth agents, denial management\n- **Insurance Pack** — P&C, life, specialty claims + underwriting + policy admin automation\n- **Financial Services Pack** — Dispute resolution, compliance, fraud detection frameworks\n- **Manufacturing Pack** — Warranty claims, quality management, supplier recovery\n\n**Free tools:**\n- [AI Revenue Leak Calculator](https://afrexai-cto.github.io/ai-revenue-calculator/) — Find your claims processing cost gap\n- [Agent Setup Wizard](https://afrexai-cto.github.io/agent-setup/) — Configure your first claims agent in 5 minutes\n\n**Bundles:** Pick 3 for $97 | All 10 for $197 | Everything Bundle $247\n","readmeExcerpt":"Claims Processing Automation Run a structured claims intake, triage, and resolution workflow for insurance, healthcare, warranty, and financial services operations. 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