Stop sending benefits to people who are dead, ineligible, or do not exist.
SSI, SSDI, SNAP, HUD, TANF, CCDF, veterans benefits, and unemployment insurance disbursed over $1.3 trillion in FY2024. The GAO estimates $162 billion was improper. Every dollar was paid by a system that verified the format of the payment instruction - not whether the recipient was entitled to receive it on that date.
Here's what we stop for you before the payment releases.
If you run program integrity, fraud investigation, or eligibility verification at a state SNAP / SSI / SSDI / Medicaid / TANF / unemployment insurance program, this is what JIL screens before each benefit disbursement clears. JIL does not require your case workers to do anything different - it sits between your eligibility-decision system and your payment-release system, and produces a verdict on each disbursement in seconds.
Beneficiary is deceased but benefits still going
Beneficiary died last quarter. The death record is in the SSA Master Death File. The state's eligibility system hasn't been updated. JIL cross-checks every disbursement against the death file in real time and stops the payment with a sealed record explaining why.
Same address claiming benefits across multiple identities
One physical address with 14 different SSNs claiming SNAP, SSI, or unemployment - some of which trace to deceased people, some to ID-theft victims, some to identities that don't exist. JIL surfaces the address-cluster pattern across your active disbursement queue.
Beneficiary moved out of state but card still active
SNAP card or state Medicaid coverage still showing transactions in your state, but the beneficiary's actual residency moved 18 months ago. JIL cross-checks against postal change-of-address, voter registration, motor vehicle records, and prior state-program enrollment.
Phantom dependents on the household
Eligibility was approved based on 4 dependents. JIL cross-checks each dependent against birth records, school enrollment, prior-year tax filings, and Medicaid claims activity. Dependents that exist only on paper get flagged before the household-size adjustment increases the disbursement.
Identity theft (real person doesn't know benefits are going)
Someone applied for unemployment using a real person's SSN, but the real person is employed and has no idea. JIL cross-checks against current-employment patterns (W-2 filings, payroll signals where lawfully available) and flags the impossibility before the first disbursement clears.
Sealed evidence per blocked payment
For every disbursement JIL holds or rejects, your fraud unit gets a sealed evidence record showing exactly why - which checks fired, which sources were consulted, what the impossibility was. Useful both for downstream investigation and for defending the program to oversight or the press if a beneficiary disputes the hold.
A clear / hold / fail verdict per disbursement, with sealed evidence.
For every benefit disbursement your payment system asks JIL about, you get back: a verdict (clear / hold / fail) at sub-second latency, a sealed evidence bundle (CREB™ - Court-Ready Evidence Bundle) showing every check that ran and which sources were consulted, and a cryptographic signature that proves the verdict hasn't been altered. Cleared disbursements release immediately. Holds go to your existing fraud-investigation queue. The bundle is admissible in administrative hearings, civil court, and federal investigations without requiring an expert witness.
Plug in between eligibility and disbursement.
1 · Your payment system calls JIL
Standard REST integration. JIL sits between your eligibility-determination output and your disbursement-release function. No change to the case-worker workflow.
2 · Verdict in seconds
JIL runs death-file, address-cluster, identity-impossibility, and corridor-risk checks in parallel against federal + state public datasets. Verdict + sealed evidence returned synchronously.
3 · Holds go to your fraud unit
Cleared payments release immediately. Holds go to your existing investigation queue with a structured reasoning summary your investigator can act on without re-investigating.
Cents per disbursement. ROI in basis points of program loss.
JIL Entitlement Fraud screening is priced per-disbursement, with steep volume discounts for state-program scale. GAO estimates $162B in improper federal benefit payments annually. Even a 1% reduction in improper payments in a single state program typically returns 100x or more on the JIL spend. Pricing is fixed-fee per scan, not contingency - so the program's recovery savings stay with the program.
The federal government paid $162 billion in improper payments in FY2024. $4.6 billion went to people who were already dead. Not because fraud is hard to stop. Because no system checks whether the recipient is alive, eligible, and at a real address before the payment releases. JIL does - on every payment, before the money moves.
$162 billion improper. $4.6 billion to the dead.
GAO-estimated improper payments across federal entitlement programs in FY2024. Includes an estimated $4.6B in SSA payments to deceased recipients over a recent multi-year period.
The SSA paid an estimated $4.6 billion in benefits to deceased individuals over a recent multi-year period because death record matching runs on a lag - sometimes months, sometimes years - and payments continue until the match is manually resolved. SNAP rolls include individuals who have moved out of state, died, or whose household composition changed without a corresponding eligibility update. HUD housing assistance continues to flow to addresses that are vacant, converted, or occupied by ineligible parties. TANF and childcare subsidies fund providers operating above licensed capacity or from addresses that cannot support the declared program. None of these programs verify eligibility in real time before each disbursement. They rely on periodic recertification and post-payment audit. By the time the audit runs, the money is gone.
Six questions no current entitlement system asks at the payment level.
Before any benefit payment is released, JIL answers:
Is this recipient alive as of today's payment date?
Does the recipient's current address exist, is it occupied, and is it the type of address consistent with this benefit type?
Has the recipient's household composition or income situation changed in a way that would affect eligibility?
Is this recipient enrolled in the same or a substantially similar program in another jurisdiction?
For provider-based programs (childcare, home health, hospice) - is the provider licensed, enrolled, and operating within their declared capacity on this date?
Has this specific benefit payment - or one substantially similar - already been issued to this recipient in this period?
If any answer is no, the payment holds. The eligibility worker sees the specific reason. The benefit does not disburse until eligibility is confirmed.
Ten checks. Targeted to the actual fraud vectors.
You do not run all 500+ checks against a SNAP disbursement. You run the ones that address the actual fraud vectors for that program.
SSA Death Master File and state vital records cross-referenced on every payment date, not on a quarterly batch cycle; no benefit releases on a confirmed deceased recipient.
Recipient address verified as residential, occupied, and consistent with the benefit type; vacant lots, P.O. boxes, and commercial addresses flagged before disbursement.
How long has the recipient been at this address? Recent move without address update triggers review.
Same SSN or identity fingerprint receiving the same benefit type in more than one state or program; caught before the second payment clears.
Declared household size and composition evaluated against address capacity and known residency data; overclaimed households flagged.
Declared income evaluated against available financial activity data for the same period; unreported work activity or asset holdings flagged.
For CCDF, home health, hospice, adult day programs - provider licensed and active on the payment date, billing within declared capacity, operating from a credentialed address.
For programs with citizenship or legal residency requirements, status verified at disbursement time, not at initial enrollment only.
Residency claimed for benefit eligibility consistent with residency declared for other government purposes.
Surviving spouse benefit recipients verified against remarriage records; benefits do not continue to ineligible surviving spouses.
Reconstruct eligibility on every historical payment date.
Most entitlement fraud is not discovered at the payment level - it is discovered years later in audit, if at all. JIL runs the same 10 checks against your entire historical payment file, reconstructing the recipient's actual eligibility status on the date of every historical payment.
Who was dead. Who had moved. Who was enrolled in the same program in another state. Who was billing above capacity. Who declared an address that was vacant. All of it. Every record. Date-anchored and cryptographically sealed.
100 million records in 10 to 20 minutes. Findings suitable for SSA OIG referral, HHS ACF audit, state AG investigation, and False Claims Act proceedings.
Coverage across every major federal entitlement.
- Estimated $8.6B in SSI improper payments annually (SSA OIG).
- Primary vectors: payments to deceased recipients, unreported work activity, unreported asset changes, address fraud.
- JIL checks: death verification, income consistency, asset consistency, address validation.
- Retroactive lookback: SSA maintains multi-year payment history; Investigation Engine can process the full file.
- $11.8B in SNAP improper payments in FY2023 (USDA FNS).
- Primary vectors: ineligible households, trafficked benefits, duplicate enrollment across states, deceased recipient payments.
- JIL checks: death verification, household composition, cross-state duplicate enrollment, address validation.
- State-level deployment: JIL integrates with state SNAP eligibility systems via API; no federal system migration required.
- $3.8B in HUD improper payments in FY2023 (HUD OIG).
- Primary vectors: ineligible tenants, undisclosed income, phantom units, landlord fraud, deceased tenant continued payments.
- JIL checks: death verification, income consistency, address classification and occupancy, household composition.
- Landlord-side verification: property address verified as residential and occupied before HAP payment releases.
- $1.7B in estimated TANF improper payments annually.
- Primary vectors: income misrepresentation, household composition fraud, interstate duplicate enrollment, ineligible work status.
- JIL checks: income consistency, household composition, cross-state duplicate enrollment, work activity verification.
- $2.7B in estimated childcare subsidy fraud annually (HHS ACF).
- Primary vectors: phantom children, providers billing above capacity, dissolved or unlicensed provider entities, addresses incapable of supporting a childcare program.
- JIL checks: provider enrollment and capacity, address classification, license status, billing plausibility.
- $2.1B in VA improper payments annually (VA OIG).
- Primary vectors: deceased veteran payments, surviving spouse eligibility changes, unreported income, duplicate payments.
- JIL checks: death verification, spousal eligibility, income consistency, duplicate payment detection.
- $60B+ in pandemic-era UI fraud; $8.4B in ongoing annual improper payments (DOL OIG).
- Primary vectors: identity theft claims, deceased claimant payments, interstate duplicate filing, continued payments after return to work.
- JIL checks: identity verification, death verification, cross-state duplicate filing, work activity consistency, address validation.
Recovery. Prevention. Political defensibility.
- Example: state Medicaid + SNAP program, 10M recipients, 4-year lookback = 40M historical payment records.
- Investigation Engine run at 5 bps: ~$200K to $400K cost.
- Typical improper payment identification rate: 3 to 8% of records.
- At 5% on $2B annual disbursement over 4 years = $400M identified.
- Recovery at 20 to 40% of identified amounts = $80M to $160M recoverable.
- ROI on investigation spend: 200 to 800x.
- Revenue-share option: 10% of confirmed recovered funds, zero upfront cost - turns the investigation into a self-funding exercise with no budget authorization required.
- 1% improper payment reduction = $5M annually prevented.
- 0.5% reduction = $2.5M annually prevented.
- JIL engagement cost at 35 bps on $500M = ~$1.75M annually.
- Net benefit at 1% prevention: $3.25M year one.
- Federal matching funds implications: states that reduce Medicaid and SNAP improper payments may improve federal match calculations; the indirect fiscal benefit compounds the direct prevention figure.
- Eligibility worker caseload reduced - REVIEW queue replaces manual periodic recertification for the highest-risk cases.
- Death record lag eliminated - payment stops the day death is confirmed, not months later when the batch match runs.
- Cross-state duplicate detection unavailable in any current single-state system - unique to JIL's shared attestation ledger.
- Audit evidence generated at payment time, not reconstructed from eligibility records months later.
- Every NO verdict is documented with the specific reason - defensible in any legislative oversight proceeding or inspector general review.
- GAO and OIG findings directly addressed at the payment level - demonstrable structural response to documented recommendations.
- State agencies can demonstrate to federal oversight that pre-payment verification controls exist and are operating - reduces improper payment penalty risk under federal matching rules.
Built to operate. Not demonstrated in a lab.
JIL Sovereign's reference mainnet runs in production today across ten SCN validator jurisdictions on three continents.
4 to 6 weeks for state programs. 6 to 10 for federal.
State entitlement program integrations: 4 to 6 weeks standard. Federal agency integrations: 6 to 10 weeks depending on procurement pathway and existing API infrastructure.
JIL runs alongside existing eligibility determination systems. No replacement of eligibility databases. No change to benefit calculation logic. JIL adds one gate: before the ACH or EBT transaction releases, the recipient clears verification.
For the Investigation Engine only (retroactive, no forward deployment): engagement can begin immediately upon records transfer. No system integration required.
Federal, state, and contingency fraud-recovery engagements.
State Medicaid agencies and managed care organizations.
State SNAP and TANF program administrators.
HUD Office of Inspector General and regional housing authorities.
SSA OIG and state Disability Determination Services.
State workforce agencies administering UI programs.
HHS ACF childcare program administrators.
VA benefits program administrators.
Congressional oversight staff and legislative auditors.
Inspector General offices at the federal and state level.
Fraud recovery vendors and contingency audit firms working under state and federal contracts.
Request an entitlement investigation engagement.
See JIL attestation infrastructure applied to your SSI, SNAP, HUD, TANF, CCDF, VA, or UI program. Revenue-share available - zero upfront cost on retroactive engagements.
Request a briefing
One mailbox for federal program briefings, state agency intake, and inspector general scoping. Response within one business day.
Schedule a call
For confidential government inquiries. Routed to the partner desk for entitlement integrity diligence and Investigation Engine engagements.