Formerly known as Gain Life
MSA Source
Crosstie
How MSA Source Delivers Faster, More Accurate, and Lower-Risk WCMSA Outcomes with Crosstie’s AI
THe Context
Bridging Clinical Complexity and Settlement Readiness
MSA Source operates at one of the most critical points in the workers’ compensation lifecycle: the transition from ongoing claim management to settlement. When future medical care is involved, the accuracy of a Medicare Set-Aside (MSA) can determine whether a claim moves forward or remains open indefinitely. Until a comprehensive clinical review is completed, claims remain unresolved, reserves stay open, and injured workers are left waiting. MSA Source understands that speed matters, but in the WCMSA world, accuracy and clinical completeness matter even more. A single missed treatment reference can materially impact an allocation and expose carriers to unnecessary financial and compliance risk.
Crosstie gets it. In 25+ years in the MSA space, they’ve been the most thoughtful partner I’ve worked with, delivering AI that cut our processing time by nearly 80% while empowering our team to work faster, smarter, and with more confidence.
— Rafael Zeno Founder, MSA Source
4.8/5
3x
80%
The Challenge
Manual File Review Created Both Delays and Clinical Risk
Medical records arrive to the MSA Source team as massive, disorganized PDF files, frequently exceeding 10,000 pages. These files are often cluttered with fax cover sheets, duplicate pages, and non-medical administrative paperwork. Before adopting AI-assisted document processing, highly trained nurses were forced to spend hours acting as file clerks manually reordering pages, removing duplicates, and hunting for key treatment references such as surgery, injections, implants, or durable medical equipment. In files of this size, even the most experienced clinicians faced the unavoidable risk of missing a single critical keyword. A missed reference to surgery or an implanted device could alter an MSA allocation by thousands of dollars, impacting settlement strategy, reserve accuracy, and Medicare compliance.
MSA Source leadership recognized that this manual process was not only inefficient, but it introduced unnecessary clinical and financial risk.
THe Solution
AI-Powered Document Intelligence, Designed for Clinical Precision
MSA Source partnered with Crosstie (formerly Gain Life) to integrate AI-driven document processing directly into their WCMSA workflow. The goal was clear: remove administrative burden while strengthening clinical accuracy. Crosstie’s platform now serves as an intelligent first pass through every file, surfacing what matters most while filtering out the noise.
MSA Source leverages Crosstie’s AI capabilities:
Automated document identification: Automatically identifies and pulls out core medical records while filtering out fax covers and non-medical pages.
Duplicate detection and removal: Automatically detects and eliminates repeated pages, solving the biggest time sink.Chronological organization: Sorts records by year and date, reconstructing the medical timeline automatically.
Structured table of contents: Provides an at-a-glance overview of what was found in the file.
Cost-driver keyword detection: Scans records for predefined clinical and financial cost drivers such as surgery, injections, implants, prosthetics, and DME.
Hyperlinked keyword mapping: Instantly links identified cost drivers to the exact page and document where they appear, allowing nurses to validate findings in seconds.
Treating provider extraction: Automatically identifies and organizes all treating physicians and facilities, supporting faster follow-up and clarification.
The issue with duplicates has pretty much been resolved and having access to other documents extracted from the records is a game changer when looking for any specific document.
— Liana Burke MSA Source
A Human-Centered Approach to Technology
MSA Source approached this implementation as a true partnership, working closely with Crosstie to ensure the technology aligned with real-world clinical workflows. Rather than adopting AI as a replacement for clinical judgment, MSA Source viewed it as a clinical safety net, one that ensures no critical detail is overlooked. Nurses can now focus more on analysis, intervention opportunities, and quality assurance.
It’s a really impressive tool. The support and response time from Crosstie have been incredible, and the potential for customization is amazing.
— Michelle Toupsdol MSA Source
THe Results
Faster Reviews, Lower Risk, Better Outcomes
By combining AI-driven document intelligence with nurse-led clinical expertise, MSA Source achieved meaningful improvements across speed, accuracy, and scalability.
By automating tasks that were previously manual and time-intensive, we’re now able to redirect our focus to higher-value work such as deeper case analysis, quality assurance, and more personalized support for our clients.
— Carrie LaBrake Clinical Operations Director, MSA Source
Hours to minutes
Standard file prep dropped from 1–2 hours to just 15 minutes, while large files saw a 50% reduction, falling from 6–8 hours to just 2–4 hours.
Reduced clinical risk
AI-assisted keyword detection significantly lowers the risk of missed treatments that could materially impact allocations.
Greater clinical focus
Nurses now spend more time analyzing the medical story, identifying cost-saving opportunities, and supporting settlement strategy.
Shorter claim lifecycles
Clean, structured files reach clinical reviewers faster, accelerating report completion and helping clients move claims toward settlement sooner.
THE CONCLUSION
Setting a New Standard for WCMSA Review
In workers’ compensation Medicare Set-Asides, speed without accuracy creates risk, and accuracy without efficiency creates delay. MSA Source proves that the two are not mutually exclusive. By pairing advanced AI document intelligence with experienced, nurse-led clinical review, MSA Source is setting a new benchmark for WCMSA preparation — one that is faster, more precise, and fundamentally human-centered. For carriers, employers, and injured workers alike, the result is clearer insight, reduced exposure, and faster resolution, without sacrificing compliance or care.
