🦺 AI autopilot · workers-comp

Workers'-comp claims autopilot

Determines compensability, computes benefits and files the EDI claim — a licensed claims adjuster signs the determination.

Workers'-comp claims / TPA leadbuys it $6.5Bmarket 5 auto · 1 humanflow steps

The problem

Workers'-comp claims handling is high-volume AOE/COE compensability + AWW/benefit computation under 50 state acts, where a wrong denial or benefit termination denies an injured worker statutory benefits and is actionable as bad-faith claims handling.

What you get

Injuries intaken, compensability determined and benefits computed straight-through; the licensed claims adjuster signs the compensability determination before the EDI claim is filed with the state.

The flow

Intake to outcome. 🤖 steps run automatically; 🧑‍⚖️ steps are where a named human signs off the judgment calls.

  1. 1
    🤖 Intake the First Report of Injury (FROI) and the medical records
    agent intake · Document OCR
  2. 2
    🤖 Determine compensability (AOE/COE) and compute the AWW and TTD/PPD benefits
    agent adjudicator · WC compensability & benefits
  3. 3
    🤖 Screen utilization review / treatment guidelines (MTUS / ODG) and statutory deadlines
    agent compliance · WC compensability & benefits
  4. 4
    🧑‍⚖️ A licensed claims adjuster signs the compensability determination Human checkpoint
    Licensed claims adjuster
  5. 5
    🤖 File the EDI claim / issue the determination to the state (IAIABC) ⚠ Irreversible · high blast
    agent submit · WC claim EDI (IAIABC)
  6. 6
    🤖 Monitor the claim status, benefit-payment timeliness and reserves
    agent monitor · WC claim EDI (IAIABC)

Agents & tools

  • Document OCR stub → AWS Textract
  • WC compensability & benefits stub → state WCB/DWC
  • WC claim EDI (IAIABC) stub → IAIABC EDI

Connectors run as sandbox stubs today — flip to the real provider to go live.

Human checkpoints

  • Licensed claims adjuster — A licensed claims adjuster signs the compensability determination

The autopilot escalates the judgment calls to a qualified human — the rest is straight-through.

Why it's safe to let it run

Every autonomous decision is logged — who · what · confidence. Signed human checkpoints and a built-in compliance reviewer enforce the rails, so the outcome holds up to an audit, not just a demo. Every irreversible action runs only after a human signs — the autopilot does the volume, never the point of no return on its own.

🧑 Accountable owner: Licensed workers'-comp claims adjuster — one person answers for what this autopilot does.

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