Calculator

Claims Leakage and Recovery Estimator

Estimate savings from claims leakage reduction and subrogation recovery.

This tool is educational and operational. It is not legal, engineering, or financial advice.

Processed in-browser. Nothing is stored.

Inputs

Company name

Optional. Used in the memo output.

Annual claims paid

Use last 12 months paid claims for the program or category.

In-scope percent

Percent of paid claims where these controls will apply.

Leakage reduction percent

Conservative percent reduction from better intake, triage, reserving, vendor oversight, and compliance.

Subrogation eligible percent

Percent of in-scope claims that have a third-party recovery path.

Subrogation recovery percent

Percent of eligible claims dollars expected to be recovered.

One-time implementation cost

Process, staffing, tooling, or vendor cost to implement the operating system.

Enter inputs and click Generate.

Assumptions

This is an estimate. Validate using loss runs and claims paid data.
Impact applies only to in-scope claims where controls are applied consistently.
Leakage reduction depends on intake discipline, reserve review cadence, and invoice and vendor oversight.
Subrogation recovery depends on early evidence capture and consistent pursuit.
Payback is implementation cost divided by monthly impact.

Enter paid claims, leakage, and subrogation assumptions with conservative inputs.
Generate results and review the impact percent of claims paid.
Copy or download the memo before sharing with Finance and risk leaders.
Validate inputs against loss runs and claims paid data.

Estimated annual impact combines leakage reduction and subrogation recovery impact.

Impact percent of claims paid shows the annual impact relative to total claims paid.

Annual subrogation recovery highlights expected recoveries from eligible claims.

Assuming leakage reduction without an enforceable intake and reserve review cadence.
Not flagging subrogation candidates early enough to preserve evidence.
Failing to reconcile recovered dollars so Finance sees the impact.

Claims leakage refers to avoidable claim cost from weak intake, reserving, or vendor controls.

Subrogation eligible percent is the share of claims with a recovery path.

Impact percent of claims paid measures annual impact relative to total claims paid.

v1.0 (2026-01): Latest release