Worked example

Automated eligibility denial

An automated eligibility denial on an income mismatch, with a receipt, a named owner, an appeal path, and 4, 48, and 120-hour clocks.

Receipt

Receipt issued at decision time

The receipt names the reason code, the owner, and the appeal route, so the applicant can contest the denial.

{
  "schema_version": "1.0.0",
  "receipt_id": "RCP-2026-1124",
  "issued_at": "2026-05-06T08:27:41Z",
  "owner": { "name": "Eligibility Operations", "role": "System owner" },
  "subject": { "id": "app-99114", "type": "application" },
  "action": { "class": "WRITE", "description": "Deny eligibility", "reversible": true },
  "decision": { "decision_type": "eligibility_denial", "reason_codes": ["INCOME-MISMATCH"] },
  "clocks": { "ack": { "hours": 4 }, "review": { "hours": 48 }, "remedy": { "hours": 120 } },
  "appeal_path": { "url": "/appeals/eligibility", "channel": "in-product form" }
}

Clocks

Visible acknowledgment, review, and remedy clocks

Applicants and reviewers see the same clocks.

Ack clock

4 hours

Owner confirms responsibility and shares a review ETA.

Review clock

48 hours

Human reviewer validates the denial or flags an exception.

Remedy clock

120 hours

Reversal, compensation, or safe fallback is delivered.

Exceptions

Exceptions must preserve the appeal path

An exception can delay the remedy. It cannot close the appeal.

  • Data-quality exceptions require a documented re-verification plan.
  • Legal exceptions require steward sign-off and review cadence.
  • Exceptions are logged in the Exceptions framework.

Remedy

Remedy path is mandatory

The applicant can see the remedy, it runs on the 120-hour clock, and it names the next step.

  • Reverse the denial when verification succeeds.
  • Offer assisted review for high-burden applicants.
  • Provide clear next steps and evidence requests.

Bindings

Bind eligibility decisions to enforceable controls

Each denial record carries its evidence pack and is checked at a release gate.

Glossary anchors

Glossary anchors used

Glossary terms that bind this example's clocks, artifacts, and ownership.