Compensability decisions in days,
not months.
Veltha retrieves medical records from every provider, analyzes causation, and delivers a defensible accept/deny recommendation, cited to the file. Built for WC carriers, TPAs, and self-insured employers.
Litigation follows delay. Decide fast, on complete records, and the main trigger for hiring an attorney never fires.
Already working live claims for a $2B+ US specialty carrier.
One case, one screen: claimant, the records pulled, the causation position, and the cited accept/deny recommendation the reviewer reads first.
About $6.9M saved per year, $1,375 per indemnity claim.
$2.4M in adjuster capacity recovered.
9.5 hours saved per file: ten-plus hours of records and causation legwork become one 30-minute review. Across 5,000 claims, that is 47,500 hours, roughly 25 desk-adjuster FTEs.
$4.5M in litigation avoided.
150 fewer attorney-involved claims a year: a conservative 15% cut to a 20% baseline rate, at $30,000 incremental cost each, less than half the ~$62K gap the data shows.
0 backlog under pressure.
The same rigor on file five hundred as on file one, whoever is at the desk. No backlog through turnover, retirements, or surge volume.
Directional estimates from published industry research (WCRI, NCCI, CLARA Analytics, Lockton, BLS); actual results vary with state mix, book composition, and baseline process. Full source list and model available on request.
Most of a claim's cost is set while the worker waits.
Published industry research keeps finding the same pattern: delay and perceived denial drive attorneys into claims, and attorneys multiply cost.
Attorney involvement jumps roughly 7× when workers perceive their claim will be denied: a denial notice, a delay in payments, or adjuster communications.
Claims that lag four-plus weeks cost 51% more than promptly handled ones ($19,936 vs. $13,210), and attorney involvement rises from 12.8% to 31.7%.
Litigated indemnity claims average $77,807 vs. $15,936 without attorneys, take 195% longer to close, and carry 284% more lost-time days.
Two-thirds of denied claims convert to paid within about a year, at 55% higher cost. Denials that aren't evidence-backed don't hold; they just add expense.
Veltha compresses the decision cycle from months to weeks. That speed converts directly into dollars.
From first report to a decision a judge can stand behind.
Medical Records Retrieval
“Records review is where claims go to wait.”
- Pulls FROIs, recorded statements, and records from every current and prior provider.
- Chases custodians and tracks every outstanding request.
- Builds one clean, chronological medical timeline.
- Flags missing records before they stall the claim.
Causation Analysis
“A summary describes the file. Veltha argues the case.”
- Applies AOE/COE and the “more probable than not” standard.
- Weighs pre-existing conditions and apportionment.
- Tests the statutory defenses: idiopathic, going-and-coming, intoxication, post-termination.
- Surfaces the evidence for and against, not just a recap.
Final Review & Audit-Ready Citations
“A denial is only as strong as the citations behind it.”
- A clear accept/deny recommendation for the reviewer.
- Reasoning mapped to the controlling state's rules.
- Every conclusion cited to the exact page and line.
- A full audit trail, from source document to final recommendation.
The engine is a co-pilot. Never the decider.
Unsupported denials don't hold: two-thirds convert to paid within a year, at 55% higher cost. The fix isn't handing the call to a machine, it's better evidence in front of a licensed decision-maker. Veltha builds the record, the causation position, and the citations. The final accept/deny call stays with your licensed adjuster or examiner. The UI hard-blocks the recommendation from issuing without their sign-off in the audit record; the contract reflects the same boundary.
See it run on a real claim from your book.
Built by ex-Palantir engineers who turned complex regulation into executable software. Backed by Y Combinator.