CLAIMS & CRISIS
Claims Engine
The Claims Engine is the part of the system that detects, scores, and responds to claims — MIO runs it in real time.
Definition
The Claims Engine watches for signals that a claim is forming — language shifts, missed premiums, collision activation. It flags, scores, and routes the response (PROTECT adjustment, Emergency Protocol trigger, escalation).
It is the operational brain of Mind Insurance.
Why this matters
Self-detection is unreliable when the collision is active. The Claims Engine is the external eye.
Related coverage
MIO — Mind Insurance OracleMIO is the custom-built AI coaching engine — Claude plus OpenAI plus 33 forensic capabilities — that runs every Mind Insurance policy in production.The PROTECT MethodPROTECT is the seven-step daily protocol — ten minutes across three windows — that keeps your Mind Insurance policy active.Major ClaimA Major Claim is a life event that forces the policy to pay out in full — divorce, blowup, burnout, public failure, rock bottom.