Insights.
Writing on complex claims, risk, and how programs actually get run.
The lawyer had a number. The file didn't.
Critical information shouldn't live outside the claim file. That gap is where we work.
Why a Reserve Moves by Seven Figures "Overnight," and Never Actually Does
Nothing changed overnight. The reserve had been wrong for a while. The actuarial review just measured the gap for the first time.
Why Funding Design and Claims Execution Can't Be Two Separate Work Streams?
Your funding model assumes a certain pace of claim resolution. Nobody checked whether the claims operation could actually deliver it.
Who actually owns your top ten open claims files?
Not who's assigned to them. Who could sit across from you right now, walk through the reserve on file six, and tell you why it moved twice in ninety days?
