Lost Wage Assistant

The Lost Wage Assistant, "LWA", is a tool created specifically to expedite the review of wage and business loss claims. Our cutting edge technology provides insurance professionals a powerful new tool in evaluating wage and business loss claims. Lost Wage Assistant will provide you with 20 years of forensic experience at the click of a mouse. In addition, our latest technology called Red White & Blue will make LOE evaluation as easy as 1, 2 3.

Record Request

The Lost Wage Assistant program prepares a Record Request that identifies key financial documents to request in order to accurately evaluate loss of earnings. Our latest technology called Red White & Blue allows you to:

Print a standard record request or

Create a customized record request from an intellectual database of 300 records derived from 20+ years of forensic experience.

Lost Wage Assistant makes evaluating documentation easy by printing out a

LWA Sample Reports

second sheet that provides a detailed explanation that gives specific reasons for each record requested. In addition, if you hold your mouse next the record you will be provided a reason for requesting that particular record while you customize your record request.

Lost Wage Assistant has one of the fastest learning curves in the industry. To expedite your training we recommend you complete the LWA Tutorial included with your New Account.

View Full Lost Wage Assistant Tutorial (PDF)

Tax Return Score System

The second feature of our online program is called Tax Return Score. TRS is an innovative and powerful tool in verifying income, documenting excess tax ratios, identifying extended job loss, alerting you of high risk activity and evaluating the potential that the tax return was never filed with the Internal Revenue Service.

The Tax Return System, "TRS", examines information derived from tax return copies provided by the applicant. Because it is voluntarily provided, there is no concern about the misuse or sharing of information among other data providers (such as utilities, landlords, etc.).

The computerized Tax Return Score process assigns an overall score to individual federal tax returns based on deviations found when compared to 132 million tax returns -- resulting in an additional indicator of an individual’s financial strength beyond a traditional credit history rating. The Tax Return Score provides critical information regarding the credibility of applicant’s integrity and accuracy of their tax return. The TRS technology utilizes mathematical algorithms reviewed against national tax statistics, producing a score based on taxpayer deviations from Internal Revenue Service averages. The letter grades range from A for Excellent to U for Unsatisfactory.

Not only does TRS verify an individual’s annual gross income but we provide a FICO like score to allow business commerce.

2007: 692 (Tax Return Score Avg.)
2007: 692 (National Credit Score Avg.)

The review evaluates nearly every tax return line item, including (but not limited to) monthly liquidity, tax ratios, significant tax events, deductions, exit from the workforce or job instability, and tax delinquencies. As such, it complements traditional underwriting objectives such as identifying source(s) of income, monthly average net income and liquidity, retirement income, and existing tax liabilities. It can demonstrate a solid history of income and stability.

TRS Sample Reports & Information

The Journey of Tax Return Score -
a brief history of how the Tax Return Score was created.

Tax Return Score
Sample Report

FICO vs. Tax Return Score
Comparison Chart

Including this new information as an additional component of “credit underwriting” can open doors for many individuals among diverse groups, and/or also avoid the tendency for such individuals to be offered only subprime products and rates. Statistics show that an estimated 50 million people are “unscoreable” when it comes to traditional credit bureau scoring. Not everyone can provide a rent or utilities payment history, but most individuals in these tax brackets do file tax returns. I acknowledge that I am selling a service/product – however, it would be great to help individuals achieve the benefits and security of owning their own homes.

Tax Return Sample Reports: Click images below for a sample of the report pages...


Report A+	Report D-	Average Monthly Income


Summary of Individual Tax Returns	Tax Credit Score/ Financial Health Report Card	Tax Return Score Chart

Score: By utilizing mathematical algorithms extracted from 132 million tax returns we identify taxpayer deviations and subtract points to arrive at an overall letter grade. Scoring tax returns provides critical information regarding the credibility of applicant’s integrity and accuracy of their tax return. The letter grades range from A for Excellent to U for Unsatisfactory.
Self-Employed: We tested self-employed tax returns for years 2000 through 2006 Taxpayers: and we compiled the following statistics:
- 15,000,000 self-employed individuals prepare Federal Tax Returns
- 45% (6.8 million) will score a letter grade of A/B (Excellent/Good)
- 20% (3.0 million) will score a letter grade of C (Average)
- 35% (5.2 million) will score a grade of D or U (Poor/Unsatisfactory)
- 1,050,000 self-employed individuals will prepare Federal Tax Returns but never mail them to the IRS.
Benefits: Scoring tax returns would provide the following benefits:
- Provide US Treasury ability to recapture $30 billion of estimated $300 billion dollar tax gap
- Provide 50 million Americans who are FICO “unscoreable” the ability to demonstrate their credit-worthiness for commerce
- Provide mortgage industry with means to prevent lending fraud that will result in the US Government saving millions each year