[HN Gopher] Judge rules $400M algorithmic system illegally denie...
       ___________________________________________________________________
        
       Judge rules $400M algorithmic system illegally denied Medicaid
       benefits
        
       Author : rntn
       Score  : 260 points
       Date   : 2024-08-29 17:25 UTC (5 hours ago)
        
 (HTM) web link (gizmodo.com)
 (TXT) w3m dump (gizmodo.com)
        
       | blackeyeblitzar wrote:
       | > The TennCare Connect system--built by Deloitte and other
       | contractors for more than $400 million--is supposed to analyze
       | income and health information to automatically determine
       | eligibility for benefits program applicants. But in practice, the
       | system often doesn't load the appropriate data, assigns
       | beneficiaries to the wrong households, and makes incorrect
       | eligibility determinations, according to the decision from Middle
       | District of Tennessee Judge Waverly Crenshaw Jr.
       | 
       | Not at all surprised to see the name of a big consulting firm
       | like Deloitte in something like this. How much money and
       | productivity is lost to these leeches across our entire economy?
       | 
       | Leaving aside this particular case: how can potential recipients
       | of benefits even know how or why they were denied to bring such
       | lawsuits in the first place? Especially if they are forced into
       | arbitration? For example I feel like private health insurance
       | companies, particularly Aetna, deny many claims falsely as a
       | typical approach to avoid having to pay out as much. And patients
       | are then subjected to a long drawn out process with hours of wait
       | times, hours of calls, and constant vigilance. This method of
       | avoiding payouts by creating expenses for patients should be
       | illegal. But how can anyone see what's happening and be in a
       | position to challenge it without even a basic level of
       | transparency?
        
         | OutOfHere wrote:
         | IMHO, the state should be the one to approve/deny claims
         | (except if they're duplicate claims within a time-period
         | specific to the code). Leaving it to the insurance company to
         | process the claim is akin to letting robbers play cops.
        
         | throwaway902984 wrote:
         | > _how can potential recipients of benefits even know how or
         | why they were denied to bring such lawsuits in the first place?
         | Especially if they are forced into arbitration?_
         | 
         | You get a letter in the mail, with a review of the decision
         | they made. There is a section where they have to explain why
         | they denied you. It is a direct, "We don't think you meet this
         | criteria" statement.
         | 
         | Awful letters, imo.
        
       | miohtama wrote:
       | > The TennCare Connect system--built by Deloitte and other
       | contractors for more than $400 million
       | 
       | There you have the reason. The government software should be open
       | source because
       | 
       | - People need to be able to make public officers accountable
       | (Article XV - The society has the right of requesting an account
       | from any public agent of its administration.
       | https://en.m.wikipedia.org/wiki/Declaration_of_the_Rights_of...)
       | 
       | - You should be able to fire incompetent contractors, and replace
       | them with someone else, for which open source code base makes it
       | much more practical and the contractor cannot use any trade
       | secrets clauses to make this impossible
       | 
       | > Deloitte was a major beneficiary of the nationwide
       | modernization effort, winning contracts to build automated
       | eligibility systems in more than 20 states, including Tennessee
       | and Texas.
       | 
       | So much tax payers money wasted.
        
         | OutOfHere wrote:
         | I would go further and say that not only the software but also
         | the execution of the software should also be open, akin on a
         | non-financial blockchain database, with the rules, execution,
         | and decision recorded permanently (under an anonymous ID, of
         | course). Anyone should be able to easily replay the execution.
         | This would allow for citizen monitoring of government actions.
         | If not for this, at least a weekly export of all anonymized
         | processed claims, plus the corresponding logic rules, should be
         | made available on the web, similarly facilitating a local
         | replay.
         | 
         | The problem with a scheduled export is that a corrupt state
         | government will gladly change your records for you (in their
         | favor) when you go to court. This is more difficult to do with
         | a blockchain.
        
           | striking wrote:
           | I would really prefer my health information not be exposed in
           | any way, "anonymized" or otherwise, thanks.
        
             | OutOfHere wrote:
             | I don't think you realize this already happens. It is
             | already available to hundreds of organizations, both
             | domestic and foreign. Any organization can license it
             | really at a price. What I said would only democratize it,
             | also mandating an appropriate level of anonymization which
             | is currently inconsistent or missing. Also, think of the
             | bigger picture, of the clues such data will yield for
             | advances in healthcare.
        
               | KittenInABox wrote:
               | Can you link where I can license this information?
        
               | OutOfHere wrote:
               | If you offer to give $10+ million to any health insurance
               | company or hospital IT company, they will gladly give it
               | to you, plus more fees for updated batches. In practice
               | it will cost much less if you negotiate well. There also
               | are commercial data aggregators that specialize in it,
               | that GPT can probably name for you. (I don't want to name
               | names here.) At multiple employers, I have worked with
               | this data from various vendors.
        
               | Larrikin wrote:
               | Which specific vendors?
        
               | striking wrote:
               | I think this is plainly untrue in any of the situations
               | relevant to what we're discussing.
               | 
               | Some "de-identified" health information can be used or
               | disclosed without restriction under HIPAA, but it needs
               | to genuinely not be possible to correlate back to an
               | individual, which I don't think is something that's
               | possible with what you're describing (at least if prior
               | medical history and decisions factor into the execution
               | of the program). Some health information can be released
               | in the public interest (like for research) or for
               | bettering healthcare operations, but that's not this
               | either.
               | 
               | It might be worth taking a look at
               | https://www.hhs.gov/hipaa/for-professionals/privacy/laws-
               | reg....
               | 
               | This is excluding stuff like 23AndMe genome sharing /
               | Ancestry.com law enforcement collaboration, which might
               | be what you're alluding to, but I believe it to be
               | irrelevant in this case.
        
               | OutOfHere wrote:
               | > it needs to genuinely not be possible to correlate back
               | to an individual
               | 
               | What you say is a theoretical goal. In practice, despite
               | good efforts, there is no hard rule imposed by reality
               | that 100% of records will totally remain anonymized.
        
               | striking wrote:
               | Maybe it's unclear why I've brought this up. I understand
               | it's not possible to keep everything locked down in a way
               | that prevents my information from leaking.
               | 
               | And as unfortunate as that is, that's not my concern with
               | your original comment.
               | 
               | I do not want that problem made worse. I don't care if
               | it's already kind of bad. I have no idea why the problem
               | already being bad would justify making it worse.
        
               | OutOfHere wrote:
               | I guess you forgot the part where you're a mortal human,
               | and where biomedical data helps discover patterns to
               | solve problems. Just you wait until you get old. Also
               | forgot the part about exposing statewide corruption wrt
               | claims.
        
               | striking wrote:
               | I'm not interested in your snark. I'm aware of my
               | mortality and of statewide corruption. Those are not good
               | reasons to publish my health data publicly even in an
               | anonymized form. The people who might be able to fix my
               | mortality are already allowed to have my data (whether
               | I'm happy or not about that is moot as you've made clear
               | yourself). That does not change my belief that the scheme
               | you propose for "exposing statewide corruption" is a bad
               | idea.
        
             | cdumler wrote:
             | I think way he meant a hashed chain: one where the history
             | is tamper proof. The important part is that the data and
             | logic used to process claim is digitally documented and
             | sealed by hash. You get a copy of the hash in your claims.
             | The hash chain is public or has to be given to an
             | independent third-party. If you get into a kicking contest
             | in court, the company they have to reproduce documentation
             | with the hash. The hashing prevents forging the original
             | documents in the process.
        
           | KittenInABox wrote:
           | Nnnnnnah, I don't want claims to be public. There's no real
           | way to anonymize claims. e.g. someone getting specialized
           | immune therapy in west virginia is pretty damn identifiable.
           | Or someone being paid out in a claim of 300k+ for some highly
           | specific antiviral.
        
             | OutOfHere wrote:
             | > I don't want claims to be public.
             | 
             | I don't think you realize this already happens. It is
             | already available to hundreds of organizations, both
             | domestic and foreign. Any organization can license it
             | really at a price. What I said would only democratize it,
             | also mandating an appropriate level of anonymization which
             | is currently inconsistent or missing. Also, think of the
             | bigger picture, of the clues such data will yield for
             | advances in healthcare.
             | 
             | > someone getting specialized immune therapy in west
             | virginia is pretty damn identifiable.
             | 
             | Yes, despite the best anonymization, some can still be
             | identified, but it will take significant effort, and be
             | limited to a very small number of people, like the one in
             | WV. Overall though, the ratio of benefits to harms from
             | transparency would exceed 999:1.
        
           | Terr_ wrote:
           | > blockchain [...] replay
           | 
           | That's burning down your house to kill a spider. Even in a
           | closed system infinite replay-ability is a big headache, and
           | adding "blockchain" adds a hundred new problems. There's
           | already legal system which is a direct dependency, and it is
           | more efficient and manageable. (Yes, that's right, the US
           | legal system actually looks sane by comparison.)
           | 
           | Instead, make a legal requirement that patients (and
           | sometimes other stakeholders) can demand the data/logic
           | behind the company decisions.
           | 
           | If you still want very tamper-proof write-only records, that
           | can be done _way_ more easily /quickly/cheaply with an old-
           | school distributed database with fixed trusted nodes, run by
           | multiple institutions that are not likely to conspire
           | together.
        
             | OutOfHere wrote:
             | > make a legal requirement that patients (and sometimes
             | other stakeholders) can demand the data/logic behind the
             | company decisions.
             | 
             | Huh. This is already available, and it never works in the
             | interest of the patient. Unless one has expensive
             | attorneys, no individual has the time and patience to jump
             | through all the hoops needed to get it to work. The point
             | is to eliminate friction completely.
             | 
             | I do reiterate that scheduled data+logic exports from the
             | government would alternatively also help, allowing the
             | execution to similarly be replayed. A problem with a
             | scheduled export, however, is that a corrupt state
             | government will gladly change your records for you (in
             | their favor) when you go to court. This is more difficult
             | to do with a blockchain.
        
               | troupo wrote:
               | Ah yes, because blockchain is the 100% true source of
               | ultimate truth.
               | 
               | Despite the little overlooked fact that data in it will
               | be input by external systems and people.
        
               | OutOfHere wrote:
               | If someone receives a letter in the mail with a claim
               | rejection that contradicts what the blockchain says, that
               | then is a very easy win in court.
        
               | colejohnson66 wrote:
               | The problem is not people's denials being lies, but that
               | they _actually were denied_ illegally.
        
               | OutOfHere wrote:
               | We're now going in circles. This has already been
               | covered. Jump to parent comment #2 in the hierarchy.
        
           | giantg2 wrote:
           | It shouldn't be auditable by anyone. There should be an audit
           | trail though, and it should be available to the subject of
           | that process on request.
        
             | OutOfHere wrote:
             | That would be something, but the issue is that most people
             | don't have the time or capacity to audit their own records,
             | or to hire an attorney to escalate it. Journalists on the
             | other hand specialize in this; they can audit everyone's
             | records and expose wrongdoing at a state level.
        
               | giantg2 wrote:
               | A simple request for the audit record is absolutely
               | something that consumers should be able to do. There's no
               | guarantee that journalist is going to look at your record
               | to get you help. It won't help in edge cases and those
               | people will still be screwed.
        
               | OutOfHere wrote:
               | > There's no guarantee that journalist is going to look
               | at your record
               | 
               | The journalists look at aggregates first, and then
               | individuals help tell the story. The point is that both
               | individual-audit-records and full data+logic exports
               | serve their unique purpose. Anyone should be able to use
               | the data+logic to replay the execution, whether for
               | oneself or for the entire community.
        
               | giantg2 wrote:
               | "Anyone should be able to use the data+logic to replay
               | the execution, whether for oneself or for the entire
               | community."
               | 
               | No. You can't guarantee anonymity. If you want to have
               | someone audit them, use the GAO or similar.
        
         | abduhl wrote:
         | >> People need to be able to make public officers accountable
         | (Article XV - The society has the right of requesting an
         | account from any public agent of its administration. https://en
         | .m.wikipedia.org/wiki/Declaration_of_the_Rights_of...)
         | 
         | I agree with this sentiment, but what is the relationship
         | between the linked French Declaration and American law? Why not
         | try to build the argument based on FOIA:
         | https://en.wikipedia.org/wiki/Freedom_of_Information_Act_(Un...
        
         | forrestthewoods wrote:
         | Four hundred million dollars is unfathomable.
         | 
         | Has Deloitte ever built any software that is good? I certainly
         | have a super strongly negative bias against their work. But hey
         | maybe someone here has worked with them and was impressed...
        
           | akira2501 wrote:
           | The contract is likely structured into "Scope of Work" and
           | "Ongoing Maintenance and Support" to help justify this cost.
        
           | tomrod wrote:
           | > Has Deloitte ever built any software that is good?
           | 
           | Not in my experience.
        
         | amonon wrote:
         | The United Stated Digital Service is pushing for more
         | government software to be open source[1]. I have no idea how
         | effective it is, but it made me happy to see
         | 
         | [1] https://playbook.usds.gov/ ctrl+f "Default to open"
        
           | jacoblambda wrote:
           | Not just the USDS (as the USDS is a small part of a larger
           | effort), the GSA as a whole is pushing for this. They
           | maintain a lot of open source software for the federal and
           | state governments and they try to do open by default and FOSS
           | COTS where they can.
           | 
           | Just the main GSA github org has over 1000 repos in it.
           | 
           | https://github.com/GSA/
           | 
           | https://open.gsa.gov/
        
           | tomrod wrote:
           | It's extremely effective. Not just USDS either, but also 18F
           | (now GSA TTS). Also, much of the UK government.
           | 
           | The people win when the sun can shine.
        
         | geraldwhen wrote:
         | There is no competent government contractor. The only companies
         | which survive RFP operate in a way to maximize cost and
         | minimize value.
        
           | tomrod wrote:
           | There is a subset pushing the change that. Typically people
           | connected in some way to USDS or GSA TTS who then go into
           | private business. It shows up in surprising places.
        
         | Flozzin wrote:
         | Maybe it should be open source. It is using our tax dollars
         | after all. But I think this failure isn't a failure of the
         | software. But a failure of using software. And of have complex
         | laws/criteria of who can be helped. We should craft laws and
         | programs that are uncomplex. 400 million dollars on admin
         | software to ultimately deny people care they want. That just
         | shouldn't be a thing. We should have spent that money on
         | helping people, and using it to 'eat' the cost of accepting too
         | many people.
         | 
         | Our justice system acknowledges that it's flawed and it's
         | flawed with the idea of letting guilty people go, in order to
         | make sure we aren't charging innocent people.(granted we are
         | failing at that). But we should be crafting care with the
         | intention of accidentally helping people who may have no
         | qualified so that all qualified people would get care.
        
           | lenerdenator wrote:
           | I'll do you one better:
           | 
           | We should just have a publicly-funded health insurance plan
           | that applies to every American at a basic level. Then you
           | don't have to have a massive bureaucracy to figure out who's
           | eligible, who's not, how long they are eligible, etc.
           | 
           | We've successfully spent more money trying to deny people
           | public benefits than we probably would have just providing a
           | basic level of public benefits to everyone.
        
             | ToucanLoucan wrote:
             | I cannot fathom that it's nothing more than a strange
             | coincidence that we have spent more money making sure as
             | few people access any benefits as possible than it would
             | cost to simply provide things, and that those circumstances
             | directly benefit some of the largest corporate donors in
             | the USA. Like, every business that has employees on welfare
             | is receiving a subsidy. The fact that Walmart and other
             | large employers (I think maybe Amazon got caught out doing
             | this?) pass out literature on how to apply for welfare
             | tells you everything you need to know. If those people
             | received a basic income, public insurance, etc. etc. that
             | would provide a baseline, okay existence, with the option
             | to then get a job to buy luxuries and such, not a fucking
             | soul would work for Walmart. Because why the fuck would you
             | have a job that doesn't pay you enough to have a good life
             | unless the alternative is starvation?
             | 
             | Think of every single employer in this country that employs
             | people who, despite working full time, still qualify for
             | welfare. All of those companies have a direct financial
             | incentive to pour shit tons of cash into ensuring our
             | social safety net is as shitty as possible.
        
       | jasonlotito wrote:
       | > When an enrollee is entitled to state-administered Medicaid, it
       | should not require luck, perseverance, and zealous lawyering for
       | him or her to receive that healthcare coverage
       | 
       | That's such a powerful statement. If they are entitled, they are
       | entitled. Simple as that. And anything that systematically
       | prevents that is absolutely wrong.
       | 
       | What's more important is the approval process. Deloitte might
       | have build this, but the State approved it's use. People signed
       | off on this.
       | 
       | Further, this isn't an easy fix. Loosing coverage like this is
       | _not_ something you can just fix. This has affected people 's
       | entire life going forward, and not in a good way.
       | 
       | Yes, mistakes happen, but this isn't a simple one-of mistake.
       | This is something rotten, and while Deloitte wrote it, they wrote
       | it for a client who asked for it and put it out there. And that's
       | who is ultimately responsible.
        
       | mlinhares wrote:
       | I doubt Deloitte did this without direct guidance and approval
       | from state governments.
       | 
       | The unemployment system here in FL was also built to spec to be
       | incredibly hard to use and that was the goal of the
       | administration. I have no love lost for consultancies, but if no
       | government agents are penalized for this and they take the fall
       | alone it will happen again with some other consultancy.
        
         | jkaptur wrote:
         | I recommend the book "Automating Inequality" by Virginia
         | Eubanks for a deeper dive here.
        
           | sitkack wrote:
           | https://virginia-eubanks.com/automating-inequality/
           | 
           | > In Automating Inequality, Virginia Eubanks systematically
           | investigates the impacts of data mining, policy algorithms,
           | and predictive risk models on poor and working-class people
           | in America. The book is full of heart-wrenching and eye-
           | opening stories, from a woman in Indiana whose benefits are
           | literally cut off as she lays dying to a family in
           | Pennsylvania in daily fear of losing their daughter because
           | they fit a certain statistical profile. Deeply researched and
           | passionately written, Automating Inequality could not be more
           | timely.
           | 
           | https://www.youtube.com/watch?v=Avxm7JYjk8M
        
         | engineer_22 wrote:
         | More likely, they lacked incentive to get it right
        
       | maerF0x0 wrote:
       | > by Deloitte and other contractors for more than $400 million--
       | is supposed to analyze income and health information to
       | automatically determine eligibility for benefits program
       | applicants.
       | 
       | Ultimately this needs to be weighed against 1. How accurately,
       | corruption free, and expediently would $400M of humans performed
       | compared to the software, and 2. How much better software could
       | have been delivered by Code for America had they been given the
       | $400M in resources.
       | 
       | My gut suspicions are 1. Much worse, and 2. Much better
        
         | justin66 wrote:
         | > $400M of humans
         | 
         | Weird.
        
           | tomrod wrote:
           | Government procurement contracts in a few ways. Only in small
           | ones or DOD do you see FFP. Larger ones are structured like
           | "work programs" due to laws.
        
       | gnu8 wrote:
       | How many of the software engineers, project managers, and
       | sparkle-shoe consultants from Deloitte are on Medicaid?
        
       | josefritzishere wrote:
       | It's hard to ignore the fact that the prior governor of Florida
       | was convicted of medicare fraud. There is something to that.
        
         | lotsofpulp wrote:
         | *prior Governor, promoted to current US Senator. You would
         | think stealing from billions of dollars from taxpayers, and
         | this is billions in the 1990s, would disqualify you from
         | attaining one of the highest government positions.
        
           | lenerdenator wrote:
           | The last eight or so years has proven that the vast majority
           | of the American system of governance is based on the idea
           | that people have basic amounts of shame and are willing to
           | not do something if they can't do it in good faith, and that
           | such things would be enough to deter malignant parties from
           | being involved in government without the need for explicit
           | laws.
           | 
           | Now you have a bunch of sociopaths realizing that, oh, wait,
           | there _isn 't_ any reason, legally or technically speaking,
           | that I cannot be involved in government.
        
       | throwaway902984 wrote:
       | It took four years for me to be accepted into TennCare with one
       | denial. That seems average, from what I can tell. This system
       | definitely contributed to some suicides.
       | 
       | With many of those decisions as incorrect as they were, with
       | people as poor as they are here... This is a tragedy that has had
       | people hiding the cause of their suicides for an insurance payout
       | to their families.
       | 
       | I am guessing that the healthcare costs for those denied are
       | generally larger now than they would have been had they been
       | accepted; that the hospital system is still paying the price tag,
       | not the destitute. - A layered tragedy in that the finances are
       | worse for everyone but Deloitte.
        
         | hsbauauvhabzb wrote:
         | I don't live in your country and so I'm not familiar, is a
         | denial some potentially 'fraudulent' transaction, or something
         | else?
        
           | benbayard wrote:
           | Not everyone qualifies for government assistance. The
           | software Deloitte built was supposed to automatically
           | determine if someone was eligible. It is now being alleged
           | that the software did not function correctly and was denying
           | people because of bugs and issues with the software, not
           | because the person was ineligible.
        
           | throwaway902984 wrote:
           | You have to apply for the social benefits here, like you
           | would apply for a job. It is when the state government says
           | no, you don't get to benefit from social welfare programs. In
           | this case, TennCare, a health insurance system for the poor
           | and disabled.
           | 
           | This government denies those applications at around a 50%
           | rate, iirc. With that decision taking around 4 months to a
           | year Then an appeal is launched, with that decision generally
           | taking 2+ years. A judge rules on that appeal eventually.
           | 
           | A panel is convened with a couple of lawyers, the judge, a
           | vocational expert (job fitness person), a health care
           | professional, and yourself. Who you are and what you are
           | capable of is summed up and deliberated upon. If you are
           | deemed indigent, you are given an insurance policy with
           | TennCare.
        
       | neilv wrote:
       | Imagine you get together a team of really good developers, who
       | really want to help government work better for people, pay them
       | semi-competitively [*], and just task them with building and
       | deploying the software aspects of this system.
       | 
       | Maybe the software is fully delivered within a year, at a cost of
       | $10M? (Excluding non-software costs of this project.)
       | 
       | Then those team members can move on to the next project(s).
       | 
       | [*] I'm thinking: don't pay as much as FAANG, but maybe 50%
       | FAANG-TC, as straight salary. Meaning FAANG mercenary types
       | motivated only by money filter out themselves for you, but it's
       | still doable for top-tier people who want to do beneficial work,
       | with enough income and job stability that they shouldn't be
       | distracted from work by those stresses. You'd really need to keep
       | the hiring bar up, though, carefully hand-picking small teams,
       | and not compromising if your formula is successful. (And be able
       | to say no to agencies want to scale to too many projects in
       | parallel, or to some politician wants to make it a jobs program,
       | or stuff it with patronage/nepo hires.)
        
         | sitkack wrote:
         | I have run consulting before and was thinking of getting back
         | into with a similar arrangement. Having been involved
         | tangentially in government procurement for small software
         | projects, you get first had visibility into how the normal
         | predatory ISVs operate. Their single site licensing cost is
         | from my experience 20-30% below what it would cost to build it
         | yourself. But then you don't own the software and have to pay
         | for ongoing maintenance. It looks cheaper but ends up costing
         | more for worse software.
         | 
         | This whole sector is ripe for getting flipped because every
         | actor in it operates using the same set of greedy rules.
        
           | neilv wrote:
           | I wouldn't want to have to be playing bidding games against
           | one of the big consulting firms that sometimes bill massively
           | to create disasters.
           | 
           | I'd rather just have more information systems be recognized
           | as necessarily a government core competency, to in-house. And
           | to pay well enough, to hire the best teams for that (without
           | leaning on their altruism/patriotism so hard that they have
           | to worry about money).
        
             | sitkack wrote:
             | I agree, but they often don't have the skills. I do think
             | many states could benefit from something like digital
             | service, where a state level dev shop could supply services
             | to towns and counties.
        
             | jahewson wrote:
             | I'm with you but much in-house work relies upon consultants
             | anyway. "Doing things" isn't a core competency of most
             | modern governments.
        
         | thatguymike wrote:
         | This is roughly the Code For America model... there are many
         | other roadblocks other than "ability to build a system" though,
         | for example the pointlessly strict and bloated regulation which
         | is mandatory to follow. Unfortunately it's not quite enough to
         | have good engineers.
        
       | gtvwill wrote:
       | Private healthcare/medical services should be illegal.
       | Nationalise it. So broken to be in 2024 and people still have to
       | pay for Healthcare. Thank God I don't live in the US. Our
       | healthcare ain't great but it shits on theirs (Aus).
       | 
       | There are zero arguments that private Healthcare should exist.
        
       | thatguymike wrote:
       | A plug for everyone in this thread to read `Recoding America` by
       | Jennifer Pahlka, founder of Code For America. Extremely good book
       | which goes into detail about why software is such a crapshow in
       | government... there are many more reasons than "bad software
       | engineers", and they're all fascinating.
        
       | tomrod wrote:
       | This makes a great case for UBI.
       | 
       | Years to get a benefit that should be dispersed in days or even
       | minutes. Shame.
        
       | cco wrote:
       | If it was an algorithmic system, why did denials take months?
        
       | melenaboija wrote:
       | In banking it is mandated that a group validates any model that
       | is used and reports the results to the FED. I wonder if something
       | similar should exist for public institutions.
        
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