Payments Are Being Made Outside Authority Limits and You Find Out Months Later During an Audit
Insurance claims payment management involves more complexity than most software handles well. Payments span indemnity and expense, multiple payees on a single claim, deductible collection, subrogation recovery, attorney fee disbursements, and vendor invoices — all of which require different authority levels, different documentation, and different approval chains.
In organizations without a structured payment management system, out-of-authority payments happen routinely — not because adjusters are dishonest, but because authority limits are enforced inconsistently and no one is monitoring payment totals in real time. A payment that requires director approval gets issued at the adjuster level because the system does not stop it.
ECode Pro enforces authority limits before a payment can be issued — not after. Every payment request routes through the configured approval chain automatically, with full documentation at each stage.
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Every Feature You Need
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Authority Limit Enforcement
Payment requests that exceed the handling adjuster's authority are automatically routed to the next approval level — team lead, supervisor, director, or carrier — before they can be issued. The system will not allow an out-of-authority payment to proceed.
Multi-Payee Payments
Issue payments to multiple parties on a single claim — insured, mortgagee, lienholder, contractor — with proper payee verification and documentation for each. All payees tracked under the same payment record with their individual amounts.
Indemnity vs. Expense Tracking
Indemnity payments and expense payments are tracked separately with independent authority limits and approval workflows. Reserve adequacy is calculated independently for each category in real time.
Vendor Payment Portal
Vendors submit invoices through a dedicated portal that routes them directly into the payment approval queue for the associated claim. Vendors see payment status without accessing the full claim file.
Real-Time Payment Totals
Total payments to date, payments pending approval, and remaining reserve are visible on every claim in real time. Supervisors see aggregate payment totals across their entire portfolio on the manager dashboard.
Complete Payment Audit Trail
Every payment request, approval, modification, and disbursement is logged with the user, timestamp, amount, payee, and approval chain. The full payment history for any claim is available in a single exportable report.
$2.1M in Reserve Accuracy Improvement in First Year
Southeastern Carriers Group manages personal and commercial lines claims with 28 in-house adjusters. Authority limit violations were occurring at a rate of 4 to 6 per quarter — discovered during quarterly audits rather than in real time. The total value of out-of-authority payments in the year prior to ECode Pro was $840,000.
After implementing ECode Pro, out-of-authority payments dropped to zero in the first quarter. Reserve accuracy — measured as the variance between initial reserve and final payment — improved by 31 percent. The quarterly audit process, which previously identified payment violations as its primary output, has been redirected to quality review and process improvement.
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