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Payment and Reserve Authority

Authority Controls That Enforce Limits Before Violations Happen

No out-of-authority payments. No unauthorized reserve changes. Ever.

Authority violations happen in claims organizations not because adjusters are dishonest — but because systems allow them. When an adjuster can issue a payment above their limit because the system does not stop it, violations become routine. ECode Pro enforces every authority limit at the system level before any transaction can proceed.

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Payment and Reserve Authority — How It Works
1
Payment requests blocked at submission if they exceed the adjuster authority limit
2
Reserve changes routed to the required approver before the change is saved
3
Every approval and denial logged with user, timestamp, and reason
4
Real-time alerts when any adjuster approaches their authority ceiling
5
Authority matrices configured per carrier with independent limits
The Problem

Out-of-Authority Payments and Reserve Changes Are Being Discovered During Audits Instead of Prevented in Real Time

Payments issued above adjuster authority limits because the system allows it
Reserve changes happening without documented rationale or approval chain
Authority limits existing on paper but not enforced in the claims system
No real-time visibility into payments approaching authority thresholds
Audit findings on authority violations creating regulatory exposure
The ECode Pro Solution

What ECode Pro Does Instead

Payment requests blocked at submission if they exceed the adjuster authority limit
Reserve changes routed to the required approver before the change is saved
Every approval and denial logged with user, timestamp, and reason
Real-time alerts when any adjuster approaches their authority ceiling
Authority matrices configured per carrier with independent limits
Feature Details

Everything Included

Payment Authority Enforcement

When a payment request exceeds the submitting adjuster authority limit, the system blocks submission and routes automatically to the configured approver. No payment above the limit can be issued without the appropriate approval on record.

Reserve Change Authority

Reserve changes above configured thresholds require approval before the change is applied to the claim file. The previous reserve is maintained until the change is approved or denied.

Configurable Authority Matrices

Authority limits are configured per adjuster level, per claim type, and per carrier. An adjuster may have a $25,000 payment authority for residential claims and $50,000 for commercial — both enforced independently.

Approval Chain Documentation

Every approval includes the approver identity, timestamp, and optional notes. The full approval chain for any payment or reserve change is visible on the claim file permanently.

Multi-Level Escalation

If the first-level approver also lacks sufficient authority, the request escalates automatically to the next level. Escalation continues until an authorized approver is reached.

Authority Utilization Reporting

Track how frequently adjusters at each level are approaching or requesting exceptions to their authority limits. This data informs decisions about authority matrix adjustments over time.

We had a $90,000 payment issued on a $50,000 authority file. The previous system let it through. When I showed that to our carrier, they were furious. That cannot happen in ECode Pro. The system physically will not allow it.

Carlos M.
VP Claims
Results

What Organizations Experience

Out-of-authority payments dropped to zero from day one on platform
Reserve accuracy improved 31% through documented change rationale
Carrier audit findings on authority compliance eliminated
Approval turnaround time reduced to under 4 hours on average
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Frequently Asked Questions

Yes. Each carrier can have its own authority matrix. What requires director approval for Carrier A may only require supervisor approval for Carrier B. Every carrier configuration is independent.
Reserve changes require a structured reason code from a configurable list plus a free-text explanation. Changes above a dollar threshold can require additional supporting documentation such as an updated estimate or medical report.
Yes. Adjusters can submit a documented exception request that routes to the appropriate authority level with their justification. All exception requests are logged regardless of outcome.

See Authority Controls in a Live Demo

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