Waypoint Claims
Trust / Audit and retention

Kept exactly as long as the law requires, then disposed of with proof

Every action on a claim, policy or setting writes an audit row that can be added to but never changed or deleted. Records are then kept by line of business, protected by legal holds, and disposed of only on a schedule your organization signs off.

Waypoint ships statutory minimums as defaults. Your compliance team may lengthen any period per state, but never shorten it below the legal minimum.

Walk the retention schedule How it works
The question this answers
Can a record be changed or deleted without anyone knowing?
No. Audit rows are add-only, and the database refuses any delete. Throughout the platform “remove”, “archive” and “discard” mark a record and keep it. Final disposal happens only through the disposal engine, which checks for legal holds — and the database separately refuses to delete anything under an active hold.

What is recorded, and how long it lives

Audit, retention, holds
Who, When, Before, After
Every audit row names the person by first and last name, the time, the record, and each changed field’s old and new value. Every claim assignment also writes an assignment-history row that cannot be changed.
Your Audit Trail Is Under Your Key
Your audit trail is locked under your key, like the rest of your data. Phone numbers appear as their last four digits.
Three Storage Tiers
Operational backups for exactly 30 days; a warm store kept current per client for active life plus 7 years; and a locked cold vault for long-term records. All three are locked under your key.
Legal Holds Stop Disposal
A hold covers a claim, a policy, a person or a whole organization. Your Legal/Compliance role places it; your General Counsel role releases it — never the same person.
Defensible Disposal
Nothing is disposed of until your compliance team signs off its schedule. The proof of disposal — what, when, under which rule and who signed off — is kept permanently.
Retention by line of business

The default minimums

Every record and document is tagged when created with its line, its state and its status. A reopened claim stops its clock, which restarts at the new trigger event.

Line
Default minimum
Property & Casualty
7 years from policy expiration or final claim closure, whichever is later — you may set up to 10 or more per state
Workers’ Compensation
30 years, or the claimant’s lifetime if longer — held until a verified date of death is recorded
Life
10 years after settlement, surrender or final lapse
Corporate, Financial and Tax
7 years from the end of the fiscal or tax year
Calls and Chats
Intake voicemails, recordings, transcripts and claim chats are kept with their claim
Cold Vault
Nobody can change or delete a record before its date, not even an administrator; every record fingerprinted
Where we are honest

What an audit trail is not

A complete record is necessary and insufficient. It records what happened; it does not make what happened correct.

Disposal Waits For Counsel
A platform switch stays off until counsel confirms the state-by-state default periods. While it is off, nothing is disposed of for any client.
Not Proof Of Good Handling
A well-documented bad decision is still a bad decision. The record makes the file defensible where the handling was sound — it cannot rescue handling that was not.
Your Schedule, Your Sign-off
Waypoint runs the tiers, the disposal and the recovery. Your organization sets state overrides, signs off its schedule and places and releases its own holds.

Read next

Backups & Recovery Two US regions, and the restore we test weekly. Exit & Portability What leaves with you, and how long the rest is kept. Tenant Isolation Who can reach the record in the first place.

Bring a question you failed to answer last year

An audit question that took a week to reconstruct, or a retention question nobody could answer. We will show you where the answer would already have been sitting.

Book a walkthrough Back to the overview