FastTrack Claims Intelligence Platform

Claims In
Good Order

Every claim arrives incomplete. ReadyFT is the workflow engine for Life, Waiver of Premium and Disability claims, using intelligent automation to collect, validate and chase what the file still needs until it is In Good Order and ready for a human decision.

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Enrichment & Automation

ReadyFT coordinates workflow, actions, and document flow so appropriate action and care can move forward sooner.

One claim. One status. Every party working from it at the same time.

01 Notification & Intake

Take It In Once. Take It In Clean.

Notice arrives through a secure online portal built for whoever is filing — claimant, beneficiary, employer or broker. Web-based forms validate at the point of entry, so the claim starts as a structured record instead of starting a correspondence.

01 Notice Filed Online The claim is opened by the person who has the facts, on a phone or a laptop, without a mailed packet or a place in a phone queue.
02 Coverage Matched Policy, certificate and coverage records are matched to the notice, so the right requirements apply from the first screen rather than the first review.
03 Fields Validated At Entry Structured forms check each field as it is typed. Errors are caught by the one person who can fix them, while they are still on the page.
04 Signed & Opened Electronic signature completes the submission, and the claim enters the workflow already keyed, already legible, already attached to its policy.

What Changes At Intake

The same milestone, read from each side of the claim.

Claimant & Beneficiary: Files in minutes on a phone, signs electronically, and knows the claim is open before ending the session — no packet in the mail, no forms to print.
Employer & Plan Sponsor: Submits the employer statement and enrollment records in the same sitting, against a form that tells them what is wrong before it is sent.
Agent & Broker: Notifies on a client’s behalf and can confirm the claim is open without a call to the carrier — the relationship stays theirs, and the portal can be white labeled to match it.
Claims Examiner: Opens a claim that is already structured. Nothing to key, nothing illegible, no missing signature to write away for.
Claims Leadership: Intake stops being a black box. Portal adoption is measured at the notification level, so the front of the claim can be managed like any other step.

Enterprise Impact — portal adoption at the notification level is one of the baseline KPIs FastTrack establishes during implementation and measures quarterly, alongside end-to-end handle time for portal and non-portal users.

02 Requirements & Collection

Ask For The Right Things.
Ask Early.

Business rules read the claim type, the product and the coverage, then name the requirements at the front of the lifecycle instead of discovering them one round of correspondence at a time. Every party uploads against that list, from any device, throughout the claim.

01

Claim Requirement Identification

Customized, carrier-controlled business rules identify what this claim needs as soon as it opens — early in the lifecycle, where the time is actually recoverable.
02

Consolidated Data Capture

Claimant, beneficiary, employer, agent and carrier staff all upload into the same claim, with unlimited, carrier-controlled document submission for as long as the claim is open.
03

Automated Gap Resolution

The portal auto-assesses the completion state of what has arrived, and robotic process automation requests what is incomplete without anyone drafting a letter.

What Changes At Collection

Claimant & Beneficiary: Sees one list of what is still outstanding and uploads straight against it. “Pending” stops being a word they have to interpret.
Employer & Plan Sponsor: Puts job descriptions, wage statements and enrollment records into the file directly, rather than as an attachment on a thread someone has to reconcile.
Agent & Broker: Knows what is outstanding without becoming the go-between for it, and can reassure a client with a status rather than a promise to check.
Claims Examiner: Stops writing requirement letters. The list is generated from the rules, sent, tracked and closed out without a manual touch.
Claims Leadership: Requirement sets become consistent and repeatable across the team, rather than something that varies examiner by examiner.

Enterprise Impact — the number of cadences needed to bring a claim In Good Order is a tracked KPI. Requirements named on day one rather than discovered on day thirty is also what makes handling consistent and repeatable across a book, which is the precondition for measuring anything against it.

03 Digitization & Rationalization

Paper In.
Structured Data Out.

Not everything will arrive digitally, and it does not have to. Whatever comes in on paper or as a scan is identified, read and lifted into structured fields. Machine learning interprets claimant forms and handwritten medical notes, so the data enters the claim once and is available everywhere after that.

01 Intelligent Document ID Every inbound document is tagged to its claim and to the requirement it satisfies the moment it arrives, however it arrived.
02 OCR / ICR Reading Printed and handwritten content is read rather than retyped — including the physician statements and forms that still come in by mail and fax.
03 Key Data Extraction Dates, diagnosis codes and identifiers are extracted into structured fields, ready to share with the carrier’s core systems by API or batch.
04 Validations & Exceptions Extracted values are checked against the business rules. Anything that fails is put in front of a person rather than passed quietly along.

What Changes At Digitization

Claimant & Beneficiary: Never re-sends a document that already arrived, and never re-enters something they have already provided.
Employer & Plan Sponsor: Can keep sending what they send today. Paper still works — it just stops setting the pace of the claim.
Agent & Broker: One submission serves every downstream requirement, so a document handed over once is not requested again later.
Claims Examiner: Opens structured fields rather than a stack of PDFs, with whatever could not be read cleanly flagged for review instead of buried.
Claims Leadership: Manual keying leaves the process, and the transcription error rate leaves with it.

Enterprise Impact — this is where the administrative load actually sits, and where it is removed. FastTrack’s published range for the reduction in day-to-day administrative tasks is 75–90%.

04 Cadence & Statusing

Nothing Waits On Someone To Remember.

Outstanding items are chased on a schedule by robotic process automation, and everyone with a stake in the claim is told where it stands — by text or email, at the milestones that matter — instead of calling to ask.

01

Automated Cadence Follow-Up

RPA times and executes every follow-up on pending documents, so no step is missed and no claim goes quiet because a diary date slipped.
02

Proactive Statusing

Real-time status updates go out at each milestone, by SMS or email, to the parties who have opted in — on a mobile-friendly interface, throughout the lifecycle.
03

Missing Proof, Handled

Missing documentation is detected systematically and the required reminders and actions are triggered on time, without manual oversight holding the schedule together.

What Changes While The Claim Is Open

Claimant & Beneficiary: Gets a message when something changes, and a reminder before a deadline passes — at the point in life when being kept waiting costs the most.
Employer & Plan Sponsor: Is chased for the employer’s own outstanding items on the same cadence, so their part of the file is never the reason it stalls.
Agent & Broker: Answers a client’s “where is it?” from the portal instead of opening a service request to find out.
Claims Examiner: The follow-up queue works itself. Examiners touch the claim when it needs judgment, not when it needs a nudge.
Claims Leadership: Cadence is executed to the same standard on every claim in the inventory, and the follow-up that used to depend on workload no longer does.

Enterprise Impact — statusing that reaches people before they call is what takes volume out of the service center. FastTrack’s published figure is a reduction in claim status call volumes of up to 50%.

05 In Good Order

The File Arrives Ready.
The Decision Stays Human.

When the requirements are met and validated, FastTrack assembles a unique digital claimant profile and moves the claim to decision-readiness — In Good Order. Triage then routes it to staff seasoned in that claim type, and identifies the routine claims that qualify for straight-through handling.

01 Requirements Met Everything the rules asked for has arrived, been read and been checked — and what failed the check has already been through a person.
02 Digital Claimant Profile One profile per claimant, holding what the file established, in a form the carrier’s systems can read.
03 In Good Order The claim reaches decision-ready status, and the examiner is told it is ready to work rather than left to discover it.
04 Triaged To The Right Desk Claim type, complexity and risk route the file to the right staff, and routine claims are identified for straight-through pathways.

In Good Order means the file is complete, not that the outcome is settled. FastTrack prepares the claim; your claims staff makes every benefit determination.

What Changes At The Decision

Claimant & Beneficiary: The wait ends sooner, and it ends with a decision rather than another request for something the file should already hold.
Employer & Plan Sponsor: Gets timelines predictable enough to communicate to an employee who is out of work and counting weeks.
Agent & Broker: A clean handoff. The claim reaches a decision without needing to be escalated to get there.
Claims Examiner: Opens a file that is complete on arrival, and spends the time on the determination rather than on assembling it.
Claims Leadership: Capacity moves from administration to decisions, and inventory ages against one consistent readiness standard rather than a dozen.

Enterprise Impact — FastTrack delivers on getting claims In Good Order in 30–40% less time, which impacts annual interest savings at 10–20% and a staffing capacity that can be reallocated from administration to decision work at 30–50%.

Complete On Arrival.
Decided By People.

ReadyFT carries the claim from first notice to In Good Order and hands your examiners a file that is ready to work. It runs inside your existing claims ecosystem through configurable API or batch pathways — nothing has to be replaced for it to start.

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The Opportunity

See Where Your Claims
Are Actually Waiting.

Bring us a set of your own claims and we’ll show you where they wait, what they wait on, and how much of that wait comes out. No change to your claims system, and every decision stays yours.