Eligibility criteria
Spouse, child, stepchild, foster child, disabled dependent, student status — each verified against the plan's specific definitions and age limits.
The most rigorous dependent verification pack a self-funded employer can deploy.
The Dependent Eligibility Verification Engine assembles a documentation-complete verification pack — every required document, every plan-rule check, the employee communication sequence, the appeals log, and the savings certificate — checked against the plan document and ERISA fiduciary standards before a specialist releases it.
Every plan-rule element gate-checkedDocument classification + fraud signals + plan-rule matchingHuman adjudication at explicit chokepointsSpecialist release on every pack5-business-day SLA
Why audits fail
A single ineligible dependent can cost $3,000–$5,000 per year.
Enrollment systems accept whoever the employee enrolls. Divorces, aged-out children, and non-qualifying relatives accumulate silently: typically 5–8% of dependents are ineligible, and 10–14% where verification has never run. Each one costs the plan roughly $3,000–$5,000 per year, and one large ineligible-dependent claim can be denied by the stop-loss carrier, leaving the employer holding an unlimited self-funded liability.
DIY audits stall because HR lacks time, tooling, and the impartial third-party posture needed to demand marriage certificates and tax records from colleagues. Enterprise vendors solve this for jumbo plans at jumbo price points and setup fees.
The Dependent Eligibility Verification Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
5–8%
of dependents are typically ineligible in one-time audits
The benchmark
Measured against the plan document and ERISA fiduciary duty — element by element.
We do not summarize the plan and hope. Every pack is scored against a versioned rule pack tied to the exact eligibility language in the plan document. These are the provisions each pack is held to.
Required documents
Birth certificates, marriage certificates, tax returns, custody orders, and student enrollment — all collected, classified, and matched to the dependent.
Fraud signals
Document tampering, inconsistent dates, duplicate dependents, and address mismatches — flagged by AI and reviewed by a human adjudicator.
Communication protocol
Amnesty period, document request, reminder, final notice — all timed and templated to maximize compliance and minimize employee friction.
Appeals handling
Every adverse determination includes a clear explanation, evidence log, and appeal instructions. Appeals are adjudicated by a human specialist not involved in the initial review.
Quantified outcome
A signed report stating annualized savings (e.g., '34 ineligible dependents removed × $4,570 = $155k/yr') plus a fiduciary-grade audit trail for the plan file and stop-loss carrier.
How a pack is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Free Savings Estimate
Upload a census file. We return a free estimate of ineligible dependents and projected annual savings based on industry benchmarks and your plan demographics.
02
Plan Document Intake
We ingest your plan document and extract all eligibility rules, age limits, and documentation requirements into a versioned rule pack.
03
Employee Communication & Document Collection
As your authorized agent, we send the communication sequence (amnesty, request, reminders) and collect documents via a secure portal. AI classifies and extracts data from each document.
04
AI Verification & Fraud Screening
Documents are matched against plan rules. Fraud signals (tampering, inconsistencies) are flagged. 80–90% of verifications are auto-approved; exceptions route to human adjudication.
05
Human Adjudication & Appeals
A specialist reviews all exceptions, ambiguous documents, and appeals. High-value or sensitive cases route to attorney review.
06
Delivery
You receive the verification pack: verified population report, savings certificate, audit trail, and a list of ineligibles removed — ready for your plan file and stop-loss carrier.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No pack ships without a human signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
80–90%
Auto-verification rate
AI handles the majority; humans focus on exceptions.
Why Dependent Eligibility Verification Engine
Built to be the most thorough option a self-funded employer has.
Documentation-complete, by design
The deliverable is completeness itself — every plan-rule element and document accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a plan-rule requirement.
In its lane, on purpose
We prepare documentation and run verification as your clerical agent. We never give legal advice, and ERISA counsel stays client-side.
Engagement
Flat fee per dependent verified. No contingency, ever.
Simple, predictable, and aligned with a verification standard — not a cut of any savings.
- A free Savings Estimate before you commit — see exactly what you could save.
- One flat fee per dependent verified; disclosed pass-through costs for any third-party data sources.
- Optional fixed-fee attorney review for complex or high-value cases.
- Optional Continuous Verification Add-on for point-of-enrollment verification, converting one-time audits into recurring subscriptions.
FAQ
Questions, answered precisely.
Is the Dependent Eligibility Verification Engine a law firm?
No. The Dependent Eligibility Verification Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex or high-value cases.
Do you contact employees directly?
Yes, as your authorized agent, we send the communication sequence (amnesty, document requests, reminders) via a secure portal. We are not a debt collector and do not contact employees for any purpose other than verification.
What makes a pack 'complete'?
Completeness is defined by the plan document: every eligibility rule checked, every required document collected and verified, fraud signals screened, appeals handled, and a savings certificate produced. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released pack. The free Savings Estimate is returned much sooner and tells you exactly what you could save.
How are you priced?
A flat fee per dependent verified, plus disclosed pass-through costs. No contingency and no percentage of any savings or recovered amounts.
See what you could save before you commit.
Start with a free Savings Estimate. Send your census file and we'll return a projected savings figure based on industry benchmarks and your plan demographics.
Documentation-completeness service · not legal advice · the employer retains all fiduciary duties.