Fully Managed Dependent Verification

From employee communications to document review to appeals — we handle the entire audit so your HR team doesn’t have to.

The Challenge

Rising Healthcare Costs

Ineligible dependents cost employers $2,000–$4,000 per dependent annually. Most employers have never audited.

Compliance Exposure

ERISA and DOL require proof of dependent eligibility. Lack of documentation creates real liability.

HR Bandwidth

Manual verification means months of back-and-forth. Most HR teams don’t have the capacity.

Three Simple Phases

Setup

Upload your employee data file. We validate, verify addresses, and create the audit.

Verification

We handle all employee communications and document collection. AI reviews documents in seconds.

Results

Download a complete audit report with eligibility status for every dependent.

Your Role vs. Ours

What You Do

Upload employee data (spreadsheet or CSV)
Customize communication templates (optional)
Monitor progress on your dashboard
Download final results

What Dependent Verify Handles

Employee outreach (email + physical mail)
Identity verification (2FA portal)
Document collection & storage
AI-powered document review
Appeals management & resolution
Compliance audit trail
Payment processing (Stripe)
Physical letter printing & mailing

You Control the Message — We Handle Delivery

1

5 communication stages: Initial kickoff, Reminders, Completion, Conclusion, and Appeals — each with its own template.

2

Fully customizable: Edit subject lines, body copy, and use template variables (employee name, dependent list, portal link, dates).

3

Flexible delivery: Choose per communication — Email only, Email + Physical Mail, or Mail only.

4

Automated letters: Physical letters printed and mailed automatically. No manual fulfillment.

5

Preview first: Send test previews before going live. Letters are optional — email-only is the default. Physical mail adds per-letter cost.

01

What Your Employees See

Each employee gets a unique portal link. A guided 5-step self-service experience — no HR involvement needed.

1
Identity
2
Security Code
3
Dependents
4
Upload Docs
5
Results
1

Identity Verification

Employees verify their identity with their date of birth and Employee ID or last 4 of SSN.

dependentverify.com/verify/covenant-healthcare

Covenant HealthCare

Dependent Verification Portal

1
Identity
2
Verify
3
Dependents
4
Upload
5
Results

Verify Your Identity

Enter your information to begin the dependent verification process.

Date of Birth
03
/
15
/
1985
Employee ID or Last 4 of SSN
EMP-4821
We'll auto-detect whether this is an Employee ID or SSN.
Continue
Why do we need this? We verify your identity before showing dependent information. A security code will be sent to the contact info on file.
2

Security Code

A one-time code is sent to the employee’s email and phone on file for two-factor verification.

dependentverify.com/verify/covenant-healthcare

Covenant HealthCare

Dependent Verification Portal

Identity
2
Verify
3
Dependents
4
Upload
5
Results

Enter Security Code

A 6-digit code has been sent to j****[email protected] and ****4821

Security Code
••••••
Verify Code

Didn’t receive a code? Resend Code

3

Dependents List

Employees see all dependents on file with their current verification status. Card-based layout for clarity.

dependentverify.com/verify/covenant-healthcare

Covenant HealthCare

Dependent Verification Portal

Identity
Verify
3
Dependents
4
Upload
5
Results

Your Dependents

Upload documents for each dependent that needs verification.

Sarah Johnson
Spouse Pending
Upload Documents
Michael Johnson
Child Pending
Upload Documents
Emily Johnson
Child Verified
4

Document Upload

Simple drag-and-drop upload with clear guidance on which documents are required.

dependentverify.com/verify/covenant-healthcare

Covenant HealthCare

Dependent Verification Portal

Identity
Verify
Dependents
4
Upload
5
Results

Upload Documents — Sarah Johnson

Spouse

Required Documents:

Marriage Certificate
Tax Return

Drag and drop files here or click to browse

PDF, JPG, or PNG — Max 10MB per file

marriage-cert.pdf tax-return-2025.pdf
Submit for Review
5

Results

Employees see clear results for each dependent with the option to appeal.

dependentverify.com/verify/covenant-healthcare

Covenant HealthCare

Dependent Verification Portal

Identity
Verify
Dependents
Upload
5
Results

Verification Complete

Your dependent verification is complete. Here are the results:

Sarah Johnson
Spouse — All documents verified successfully
✓ Eligible
Michael Johnson
Child — Birth certificate verified
✓ Eligible
Emily Johnson
Child — Birth certificate does not match — name discrepancy
✗ Ineligible File Appeal

Documents Reviewed in Seconds, Not Weeks

Employee Uploads Documents

The employee uploads their supporting documents through the portal. As soon as they hit submit, the review begins.

Instant AI Review

Our AI verifies the documents immediately — checking names, dates, document type, and relationship evidence. Most reviews complete in under 10 seconds.

Auto-Approved if Everything Checks Out

If the documents pass automated review, the dependent is immediately marked eligible. The employee sees the result right away — no waiting.

Edge Cases Trigger Manual Review

If a document can’t be automatically verified — blurry image, name mismatch, unusual document type — it gets flagged for manual review by our team.

Employee Notified When Determination is Made

Whether auto-approved or manually reviewed, the employee is notified as soon as the determination is made. No ambiguity, no waiting in limbo.

Required Documents by Relationship

Spouse
Marriage certificate + Tax return
Child
Birth certificate + Tax return
Domestic Partner
Tax return + ID showing same address
Step-child
Birth certificate + Marriage certificate

Built-In Appeals Process

Dependent Verify manages the entire appeals process — your team just monitors from the dashboard.

1

Determination Received

Employee receives an ineligible determination with a clear explanation of why, along with instructions on how to appeal.

2

Appeal Filed

Employee uploads additional documentation and provides a written explanation through the portal. Dependent Verify collects and organizes everything.

3

Dependent Verify Reviews

Our team reviews the appeal with full context — original documents, AI findings, and new materials. You have visibility into every appeal on your dashboard.

4

Decision Logged & Communicated

The decision is recorded for compliance and the employee is notified automatically. Complete audit trail preserved.

02

Your Dashboard

Real-time visibility into every aspect of the audit. Monitor progress, review results, and download reports — all from one place.

dependentverify.com/dashboard

Overview — Covenant HealthCare

247
Total Employees
412
Total Dependents
298
Eligible
25
Ineligible
89
Pending

Audit Information

Start Date02/01/2026
End Date04/30/2026
StatusActive
Portal Linkdependentverify.com/verify/covenant

Payment Status

DepositPaid
Final BalancePending

Verification Breakdown

72% Eligible (298)
22% Pending (89)
6% Ineligible (25)

Recent Activity

Sarah Johnson uploaded documents for 2 dependents
2 hours ago
Appeal filed for Mark Williams (child)
5 hours ago
Reminder emails sent to 89 pending employees
Yesterday
Initial kickoff emails sent to 247 employees
Feb 1, 2026

Transparent Pricing

Per-Dependent Pricing
Simple, predictable cost per dependent verified

What’s Included

Automated employee communications (email)
AI-powered document verification
Self-service employee portal
Full appeals management
Complete compliance audit trail
Stripe-powered invoicing

Optional Add-On

Physical mail delivery (+$0.75–$1.50 per letter)

Payment Model

50% deposit to start the audit
50% + letter costs on completion

Pricing discussed during consultation

Security & Compliance

Field-Level Encryption

All PII encrypted at rest. SSN, DOB, addresses protected with HMAC-CTR encryption.

Two-Factor Verification

Identity + security code. Time-limited sessions. Rate-limited attempts.

Complete Audit Trail

Every email, letter, status change, and decision logged with timestamps.

HIPAA-Ready

Architecture designed for protected health information. SOC 2 aligned controls.

8–12%
Average ineligible dependent rate
$2K–$4K
Annual savings per ineligible dependent
< 10 sec
AI document review time

Next Steps

We’ll put together a proposal tailored to Covenant HealthCare.

[email protected]