Build Opt-In Activity Analytics for Workers' Comp Claims

1. 1

   Make consent real, not theatrical

   Claimants must genuinely choose participation, with plain-language explanations of what is collected, who sees it, and what it can and cannot affect, plus the right to withdraw. Work with claimant-side attorneys during design; a product they call fair is the only version that survives politically and legally.

2. 2

   Frame the value for the honest majority

   The lead message is validation, not suspicion: consistent activity data helps adjusters resolve claims faster and shields honest claimants from invasive surveillance. Fraud detection is a byproduct of the outliers, and your marketing order matters enormously in this industry.

3. 3

   Build analytics that respect medical reality

   Recovery is nonlinear, restrictions vary by injury, and good days happen. Analytics must compare activity against the claimant's own documented restrictions and recovery stage, with clinical input on what inconsistency even means, and always output flags for human adjuster review rather than automated verdicts.

4. 4

   Clear the legal landscape state by state

   Workers' comp is state-regulated, and evidence standards, privacy statutes, and admissibility differ. Launch in a handful of states with counsel's map of the rules, and build audit trails that make your data defensible when a case goes to hearing.

5. 5

   Sell the economics to insurers and TPAs

   Price per monitored claim against the alternatives: investigation costs, prolonged claim duration, and litigation. Pilots with mid-size TPAs, measured on cycle time and dispute rates, build the actuarial case your bigger buyers will demand.

6. 6

   Publish your ethics framework

   An independent advisory input, transparency reports, and public commitments about what the product will never do, sell data, feed automated denials, are unusual moves that de-risk you with regulators, press, and the claimant bar all at once.

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Best for: A founder who can hold both fairness to injured workers and rigor for insurers without dropping either

Not for: Anyone who would build surveillance dressed as consent, or a founder who cannot hold fairness to workers and rigor for insurers at once. This is a politically sensitive product that only works with genuine consent, human-review analytics, and a public ethics stance.