It finds the actionable insight in each claim.
Everything in your CMS came from the claimant or the provider. OwlSignal gathers the external data your team cannot see, and surfaces the eligibility issues hiding in plain sight, on every open file, every day.
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High-impact eligibility insights delivered to our customers, sourced from data outside their four walls.
Unreported income.
New jobs, new businesses, contract work, equity events, surfaced from public, professional and government sources.
Changes in status.
Address moves, deaths, marriages, incarcerations, new affiliations: the eligibility-relevant life events claimants don't self-report.
Inconsistent activities.
Public posts, travel, physical activity, mentions, cross-referenced against the functional capacity claimed in the file.
Every claimant, watched. Every change, sourced. Every insight, evidenced.
From a name on a file to a routed eligibility insight, sourced from outside your four walls.
Internal data tells you what's on the record. OwlSignal tells you what the world says about them, continuously, on every open file. Four loops, all running in your tenant: gather, match, compare, deliver.
Billions of external sources, sanitized for insurance use.
OwlSignal continuously gathers data on every claimant on your book: public records, professional databases, government filings, court documents, news, social posts, sanctions, watchlists. Sanitized, deduplicated, jurisdiction-aware. The data your internal systems were never going to see.
Public, professional and government data
Real-time on-demand refresh
Largest claimant coverage in North America
Every insight carries its source.
OwlSignal does not score claimants. It surfaces observable, sourced facts about them. Every insight arrives with the external record it came from, the identity-match confidence, the eligibility rule it implicates, and the queue it belongs in.
- 01Insights from data outside your CMS, never sourced from the claimant alone
- 02Every insight cites the external record, source and observation date
- 03Identity match audited and calibrated to your false-positive tolerance
- 04Configurable per LoB and jurisdiction: only the eligibility rules that apply
- 05Native routing into your CMS queues, no separate inbox
04/12/2026, Title: Senior Operations Lead ; employer: Meridian Logistics LLC ; location: same metro. Profile updated within 7 days. Public, owner-attested.
Last claimant attestation 03/28/2026: “unable to perform usual occupation, no change in employment.”
Five families. Built for eligibility. Tuned to your line and jurisdiction.
OwlSignal organizes external observations into five eligibility families, mapped to the questions every line of business asks: is the claimant earning what they said, is their status what it was, is their behavior consistent with their restrictions, are there adverse records, and are they claiming the same loss elsewhere.
Unreported Income
New jobs, new businesses, contract work, equity events, asset acquisitions, sourced from professional, corporate-registry and public-record data the claimant never disclosed.
What the file shows. And what the world shows. On the same claim.
The audit below is one open claim. Left: every observation an examiner could make from the four walls of the CMS. Right: the picture once OwlSignal layers in external claimant data. Same claim, very different eligibility picture.
Internal data tells you what's on the record. External data tells you what's true.
Carriers have spent a decade extracting more out of the file. The next leap is not inside the file. It is outside it. Public, professional, multi-source and government data, applied to every open claim, refreshed continuously, resolved to the right person.
F1 score on signal detection, across the external-data dimensions that move the eligibility decision.
Measured against a held-out test set of 12,800 closed claims, with claims-leader ground truth. OwlSignal benchmarked against the data tools carriers and TPAs use today: LexisNexis Risk Solutions, Thomson Reuters CLEAR, and the in-house stack of direct data subscriptions.
The intelligence layer above the file. The routing layer into your work.
OwlSignal is not a separate inbox to check. It runs on top of the file your team already has open, and it sends the right flag to the right queue (recovery, SIU, supervisor, legal) in the system your team already works in.
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To surface fraud and eligibility issues across a large claim block quickly, without bias.
A leading U.S. life and disability carrier made OwlSignal a core part of its Complex Claims team’s daily workflow, releasing over $4M in reserves in 5 years. OwlSignal compiles and analyzes claims data from diverse public sources for instant, explainable insights. It prioritizes the riskiest claims and applies configurable criteria, so the team works the right claims each cycle and acts without prejudice.
“OwlSignal gives us insight into our claim block without prejudice to medical condition, geography, or financials. A great tool for ensuring claim integrity without bias.”
The questions SIU and recovery leaders ask first.
OwlSignal reasons over a structured claim file, not raw PDFs. OwlVision is the natural foundation, but Signal can also run on top of an existing structured-data layer (your CMS, an existing extraction tool) provided that layer carries page-level citations. Most customers run both.
Bring us a closed quarter. We'll show you the dollars that walked.
The fastest way to see what OwlSignal does is to back-test it on a quarter you already closed. Pick the cohort, hand us the closed files, and we'll show you every signal that should have fired, and what each one was worth. Run under NDA, with a claims engineer, not a sales team.