A Modular Solution for UI Collections
Recover overpayments and replenish trust funds with the industry leading collection system built specifically for UI.
The Modular Approach
The OPTimum Integrity Cloud (OIC) is a suite of tools that solves for all integrity functions from prevention and detection to adjudication, collection, and legal enforcement. This cloud-based suite has been architected leveraging microservices to support a modular approach. The modular design allows a state to implement each component separately adding additional components as needed. The results is a UI Integrity solution that evolves to serve the changing needs of state workforce agencies.
Why OPTimum Recover
Recover overpayments and replenish trust funds with the industry leading collection system built specifically for UI.
Recover provides a collections layer that automates the overpayment collection process which allows the agency to maximize their collection efficiency and effectiveness.
The Recover Claimant Payment Portal gives claimants direct access to their overpayment and repayment information cutting down staff inquiry costs, mailing costs, and allowing them to pay electronically, expediting the repayment timeline.
OPTimum Recover - A Modular Based UI Collections System
Within the Integrity Modular Eco System is OPTimum Recover. A Modular Based UI Collections System.
More On OPTimum Recover
Software to automate and manage overpayment collections.
Generate collections related notices and documents.
Complete account inquiry capabilities.
Monitor address changes and NDNH/SDNH hits.
Optional Claimant Payment Portal.
The system determines whether a debt is collectible or not through a series of business rules (that take into account things like statute of limitations, appeal period, legal disposition, minimum balance thresholds, etc.. ).
Recover then generates the appropriate collection notice and integrates with the state’s existing mailing infrastructure to deliver the correspondence to the claimant.
Additionally, Recover monitors changes to the account that have a direct impact on debt recovery including address changes, NDNH and SDNH hits.
Recover also gives staff full account inquiry capabilities by consolidating current and historical overpayment and repayment information on each claimant account.
Optionally, we offer a claimant payment portal that allows us to streamline the delivery of collections information and materials to the claimant. The repayment portal makes it convenient for claimants to repay their balance.
Fast Path
Auto-Recovery
- Account fully automated
- Generation of all collection notices
- Intelligent assignment of tasks
Directed-Recovery
- Account assigned based on business rules
- Returned to Auto-Recovery when business rules are met
Fast Path is a common theme in our applications, and it is our term for automation. In Recover, we have created a business process that contains two phases: auto-recovery and directed recovery.
Auto-recovery automatically determines collectability, calculates the minimum amount due, and generates the appropriate collections notice on a set interval. The business process also triggers task creation when certain conditions are met. An example of this is when a new hit is obtained on an account that is delinquent, the system will generate a task for an agent to review the account. This ensures all collection actions on an account will be taken in order to recover the debt.
If the claimant satisfies the minimum payment amount or greater, the system will continue sending the appropriate notice until the debt is exhausted. If a claimant does not satisfy their minimum payment obligation, the system automatically escalates the billing level and increases the amount due. Based on business rules, the system will cycle through several escalating bills until it is determined that the claimant is delinquent (our standard configuration is 3 billing levels).
Once the account is deemed delinquent, the system can be configured to initiate the directed recovery phase. Here the account is assigned via business rules and the agent then takes control of the collection activities. At this point, the agent can schedule a call with the claimant, modify the minimum payment amount, suspend collections, and/or restart auto recovery.
Additionally, when a claimant satisfies the delinquent amount, the account automatically transitions to auto-recovery and notifies the agent of the payment.
Claimant Overpayment Payment Portal
Stand-alone or integrated within the state’s current claimant interfaces.
View and download all collections correspondence.
Instant access to up-to-date overpayments balance information and repayment history.
Email/SMS alerts.
Make on-time online payments.
Manage profile and contact information.
On Point also offers an optional Claimant Payment Portal.
This is a claimant-facing application that gives them instant access to all of their overpayment and repayment information. They can see their current balance and track the status of their payments.
Claimants can also view and download all collections correspondence generated within Recover and can opt for paperless delivery if the state law allows.
The system also notifies claimants via email or text of collection-related alerts like new bills being available to view an upcoming payment due date.
Additionally, we have partnered with JetPay to allow claimants to make one-time or recurring online payments via our portal. JetPay is an optional payment processor for states that do not already have a vendor. We can also seamlessly integrate with other payment processors to incorporate online payments into the portal.
Lastly, the claimant can easily manage their profile and contact information. This ensures that Recover has the most up-to-date information available.
OPTimum Resolve Features
Allows for automatic import of billing data.
Provides a view of overpayment and repayment information.
Calculates minimum payment amount with an option for staff to manually override as necessary.
Automatically determines the collectability of overpayments.
Supports manual and automatic generation of billing notices.
Performs automatic billing activities (auto-recovery).
Allows for manual override of automatic billing activities (directed recovery).
Allows uploading of issue-related documentation to the issues.
Allows data to be exposed to external sources such as the state’s benefits system.
Performs tracking of issue activity.
Allows uploading of issue-related documentation to the issues.
Allows for manual and automatic task creation.
Adheres to OPTimum standards (performance, security, etc.).