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Glossary

Insurance domain terms and ElevateNow-specific concepts, alphabetically. One definition per term — no duplication with product pages.

Insurance Terms

AWW (Average Weekly Wage) The claimant's pre-injury earnings averaged over a defined period (typically 52 weeks). Used to compute TTD and PPD benefit amounts in workers' compensation. Jurisdiction-specific formulas apply.

BI (Bodily Injury) A liability coverage for injuries caused to a third party. In auto insurance, BI is the primary coverage in tort states; in no-fault states, PIP handles first-party medical costs instead.

Cedant An insurer that cedes (transfers) risk to a reinsurer or MGA under a binding authority agreement.

FNOL (First Notice of Loss) The initial report of a claim, triggering the claims adjudication process. Typically includes claimant information, date/location of incident, nature of injury or loss, and coverage details.

GL (General Liability) Coverage for third-party bodily injury and property damage arising from business operations, products, or premises.

LOB (Line of Business) A category of insurance product: WC, GL, Auto, Property, Professional Liability, etc.

MGA (Managing General Agent) An intermediary authorized to underwrite and bind coverage on behalf of one or more insurers under a delegated authority arrangement.

NAICS (North American Industry Classification System) The current US federal standard for classifying businesses by industry. Replaced SIC for most federal statistical purposes. ElevateNow uses SIC as the primary routing key and crosswalks to NAICS via the reference_data table.

PIP (Personal Injury Protection) First-party medical coverage required in no-fault auto states. Pays regardless of fault; designed to reduce BI litigation.

PPD (Permanent Partial Disability) A WC benefit for claimants with permanent impairment but retained work capacity. Computed as a percentage of the AWW for a scheduled number of weeks, jurisdiction-specific.

SIC (Standard Industrial Classification) A 4-digit code classifying businesses by industry. Still the primary submission field on ACORD forms and the primary routing key in ElevateNow's eligibility pipeline.

Subrogation The right of an insurer who has paid a loss to pursue recovery from a responsible third party. WC subrogation rules vary significantly by state.

TTD (Temporary Total Disability) A WC benefit paid while a claimant is fully unable to work due to a compensable injury. Rate = AWW × jurisdiction-specific percentage (typically 60–70%), subject to statutory min/max.

WC (Workers' Compensation) State-mandated coverage for employees injured in the course of employment. Entirely governed by state statute — benefit levels, medical fee schedules, and dispute resolution processes differ across all 50 states.

ElevateNow Terms

AIR The certified trust layer — ElevateNow's foundational platform. Two pillars: AIR Data (Assure, Shield, Resolve) and AIR Agentic (enCODE, Navigate, Witness).

Chunk A discrete, versioned unit of insurance knowledge in the GKR. Each chunk has a chunk_type, chunk_id, version, content_text, applicable_products, applicable_stages, and lifecycle status. Chunks are the atoms of the enCODE knowledge layer.

Cognitive Pattern A GKR chunk type that encodes the institutional methodology for an agent's analysis. UW-CP-001 governs exposure analysis; UW-CP-002 governs loss analysis; UW-CP-006 governs eligibility synthesis. Agents are executors of patterns — the pattern is the IP.

CurationStudio The knowledge management platform for the GKR. FastAPI backend + 32-page React UI. Live at gkr-curationstudio.elevatenow.tech. All chunk mutations go through CurationStudio's lifecycle and audit trail.

GKR (Governed Knowledge Repository) The MongoDB database (elevatenow_gkr) containing all knowledge chunks, ontology edges, reference data, and curation audit records. The source of truth for all enCODE decisions.

Golden Record A single, authoritative representation of a party (insured, claimant, producer) produced by the Resolve MDM process after entity resolution, deduplication, and steward review.

Jurisdiction Rule A GKR chunk type (jurisdiction_rule for WC, auto_jurisdiction_rule for Auto) that encodes state-specific statutory requirements: benefit rates, deadlines, medical schedules, subrogation rules, and compliance requirements.

Platform Layer / Carrier Layer The two-layer content model in the GKR. Platform layer (override_layer: platform_only) contains carrier-neutral baselines. Carrier layer (override_layer: carrier_supersedes) contains per-tenant overrides that take precedence at runtime.

Promotion Gate A human review checkpoint that governs whether a piece of knowledge, a data record, or an agent decision can advance to the next lifecycle stage. ElevateNow has four main promotion gates across the platform.

Recipe A Netflix Conductor workflow definition that orchestrates a sequence of tool calls, parallel forks, and data transformations. The GKR_Submission_Intake v5 recipe is the canonical example.

Resolver A deterministic Python tool that reads jurisdiction rules from the GKR and returns structured compliance, benefit, and rate data for a given state. WCJurisdictionResolverGKR and AutoJurisdictionResolverGKR are the two production resolvers.

Trust Mode The Workbench display mode for a submission or claim based on confidence and exception status: autonomous (high confidence, no conflicts), guided (moderate confidence or conditional), exception (requires human review).

Witness The observability and audit product. Cross-cutting — certifies every AI decision with a defensible evidence trail linking the verdict to the data version, rule version, and agent that produced it.