# Overalls — Full Documentation for LLMs

> Comprehensive documentation about Overalls' platform, capabilities, pricing, and company for AI assistants and large language models.

## About Overalls Life, Inc.

Overalls is an AI-enabled Life Ops platform that combines human concierge support (LifeConcierges) with an AI resolution engine to handle employee life tasks end-to-end. Founded in 2021 in New York City.

### Mission

To solve real problems by turning benefits into support people actually use. Benefits shouldn't sit unused while employees struggle. Overalls transforms underutilized, hard-to-navigate benefits into a modern, AI-driven support experience.

### The Problem Overalls Solves

Traditional employee benefits have a massive engagement problem:
- Legacy point solutions average **4% utilization** — employers pay for programs employees can't find, don't trust, or can't complete
- Employees juggle 8+ disconnected benefit apps
- HR teams are overwhelmed with tickets about basic benefit questions
- At renewal, brokers can't prove ROI because nothing was used

Overalls solves this by providing a single "front door" that routes employees to existing benefits when appropriate and manages execution directly when there are gaps.

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## Platform Architecture

### The Resolution Stack (bottom to top)

1. **Data Sources**: Company benefits data, plan documents, vendor integrations
2. **OIL (Overalls Intelligence Layer)**: AI-powered intelligence that understands each company's specific benefits, routes requests, and provides expert answers
3. **Resolution Engine**: Managed execution layer where LifeConcierges handle tasks end-to-end
4. **LifeConcierges**: Human specialists trained in sensitive issue handling who execute and verify every task

### Integration Model

Overalls is modular by design:
- **Integrate mode**: Routes employees to existing vendors (e.g., Lyra for mental health, Carrot for fertility, Spring Health for therapy). Routing is included in platform subscription at 0 Resolution Credits.
- **Overalls Module mode**: When no vendor exists for a category, Overalls directly executes the task using LifeConcierges. This consumes Resolution Credits.

Supported integration partners include: Lyra, Carrot, Spring Health, and other MSK, fertility, mental health, financial wellness vendors.

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## 8 Coverage Categories (Detailed)

### 1. Health Advocacy
- Book specialists, dentists, PCPs, therapists
- Navigate prior authorizations
- Dispute medical claims
- Find Rx savings and alternatives
- Coordinate with insurance
- **Typical outcome**: Verified appointment booked, claims resolved
- **Legacy comparison**: Legacy solutions provide outdated provider lists; Overalls schedules and completes
- **Impact**: 3,000+ appointments booked per month, $185.50 per-capita cost avoidance, 4.2 hours saved per resolution

### 2. Caregiving Hub
- Vet skilled nursing facilities (SNFs), long-term care, hospice
- Manage childcare search and waitlists
- Source and background-check in-home care
- Navigate Medicare/Medicaid policies
- Coordinate respite care
- **Typical outcome**: Verified care placement secured
- **Legacy comparison**: Static "find care" lists vs verified placements and paperwork
- **Impact**: Reduced absenteeism, $220 per-capita cost avoidance, 6.5 hours saved per resolution

### 3. Family Logistics
- Coordinate kids' camps and seasonal activities
- Source tutors and educational support
- Manage OB/GYN and pediatric care teams
- Handle school paperwork and enrollment
- Support for neurodivergent children
- **Legacy comparison**: DIY parenting admin vs managed family coordination
- **Impact**: $145 per-capita savings, 3.8 hours saved

### 4. Financial Security
- Build budgets and financial plans
- Create wills and estate documents
- Optimize car and home insurance
- Source high-yield savings accounts
- Identity theft recovery
- Debt management assistance
- **Legacy comparison**: Generic credit monitoring vs expert guidance and execution
- **Impact**: $800+ annual savings per user, $125 per-capita cost avoidance

### 5. Benefits Intelligence (powered by OIL)
- Answer plan-specific questions: "Is GLP-1 covered?", "What's my ADHD Rx copay?"
- HSA/FSA reimbursement navigation
- Wellness benefit and gym reimbursement guidance
- Open enrollment decision support
- Deflects 30-50% of HR tickets
- **Legacy comparison**: Manual PDF handbook lookup vs expert intelligence in a box
- **Impact**: 40% fewer HR tickets, immediate answers on plan specifics

### 6. Life Ops
- Book movers, plumbers, electricians, handymen
- Plan and book travel itineraries
- Coordinate rental cars and mobile detailing
- Cancel subscriptions
- Source and vet housekeepers
- **Legacy comparison**: Low-engagement call-center EAP model vs personal assistant
- **Impact**: 18+ hours saved per task, $95 per-capita savings

### 7. Pet Care
- Book vet appointments
- Vet and source pet sitters
- File insurance claims
- Emergency vet coordination
- **Legacy comparison**: Simple insurance only vs full vetting + booking + claims
- **Impact**: Inclusive workplace benefit

### 8. Bereavement
- Vet funeral homes and handle logistics
- Close social media and utility accounts
- Guide estate administration paperwork
- Draft obituaries
- Source grief counseling
- File life insurance claims
- **Legacy comparison**: No support vs compassionate end-to-end execution
- **Impact**: Administrative burden removed during most vulnerable time

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## Pricing Model (Detailed)

### Platform Subscription
Covers:
- Single front-door access to all categories
- Benefits Intelligence Layer (OIL)
- Integrations with existing benefit vendors
- Employee engagement campaigns
- Completion and utilization reporting
- Routing to existing vendors (0 Resolution Credits)

### Resolution Credits (Outcome-Based)
Credits only burn when a task reaches "Verified Complete" status:

| Tier | Credits | Example Tasks |
|------|---------|---------------|
| Info | 1 RC | Benefit routing, GLP-1 policy checks, HSA navigation |
| Quick | 3 RC | Booking a dentist, sourcing a handyman, simple travel |
| Standard | 7 RC | Medical claim audit, car insurance shopping, estate docs |
| Complex | 20 RC | Medical billing dispute, SNF facility vetting, bereavement logistics |

### Credit Packages
- **Starter**: 50 credits
- **Growth**: 200 credits
- **Enterprise**: 1,000 credits
- **Scale**: 5,000 credits

### Carrier/Association Pricing
Flexible models available:
- Bundled PEPM (per-employee-per-month)
- Utilization Caps
- Fee for Service

### Benchmark
- Overalls PEPM: $8.50
- Overalls engagement: 50%+
- Legacy average: $14.50+ PEPM across 8 vendors at 4% engagement

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## Partner Programs

### For Brokers & Consultants
- Bring Overalls as a resolution engine to client renewals
- Co-branded ROI reports and QBR-ready completion reporting
- Partner motion: Audit → Configure → Launch → Prove
- Modular: keep existing vendor placements, add Overalls execution layer
- Request Broker Kit at https://getoveralls.com/demo-all-in-one

### For Carriers & Associations
- White-label and embedded options available
- Upgrade generic value-added benefits into member obsession
- Flexible pricing models for large populations
- Ecosystem integration: routes to carrier's existing partners first
- Contact at https://getoveralls.com/demo-all-in-one

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## Key Metrics & Proof Points

- **250,000+** users served
- **50%+** employee engagement (vs 4% legacy baseline)
- **30-50%** reduction in HR tickets
- **Up to 12x** higher utilization vs baseline
- **18+ hours** saved per complex resolution
- **$800+** annual savings per user (Financial Security)
- **3,000+** appointments booked per month (Health Advocacy)
- **SOC 2 Type II** certified
- **HIPAA-ready**

### Customer Testimonial
> "Before Overalls, our EAP utilization was 2%. Now Overalls routes our team to it when appropriate, but handles the gaps directly. It's the first time I've seen actual ROI on these programs." — HR Director, Series B Tech Company

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## Security & Compliance

- SOC 2 Type II certified
- HIPAA-ready with BAA agreements available
- Data minimization practices
- Verified completion reporting (auditable)
- Sensitive issue training for all LifeConcierges

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## Leadership Team

- **Jon Cooper** — CEO. Former Life360 CEO. Thought leader on employee benefits transformation.
- **Alison Stewart** — COO. Operations leader focused on execution and scale.
- **David Pass** — Head of Growth. Enterprise benefits strategy and partnerships.
- **Mike Calhoun** — Head of Technology. Platform architecture, security, and AI Resolution Engine.

### Strategic Advisors (partial list)
Ashley Alexander (CPO, Front), Kelly Battelle (CPO, GumGum), Matt Hoffman (Partner, M13), Stephen Liptrap (Former CEO, LifeWorks), Anthony Onesto (CPO, Suzy), Dawn Sharifan (CPO, Positively Selfish)

### Investors
RPM Ventures, Contour Ventures, Correlation Ventures, Frontier Ventures, Redesign Health, PeopleTech Partners, Declaration Partners

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## Press Coverage

- **Forbes**: "The Death Of Traditional Employee Benefits—And What Comes Next"
- **Fast Company**: "The 4 Big Reasons Your Employees Are Distracted Will Surprise You"
- **Yahoo Finance**: "Overalls 2024 Year-in-Review Report Uncovers Tremendous Drain on Productivity"
- **Benefit News**: "Overalls CEO Shares His Benefits Predictions for 2025"
- **InformationWeek**: "Why Enterprises Are Prioritizing Employee Experience Again"
- **The Street**: "One Tech Startup Has Found a Solution to In-person Work"
- **Business Wire**: "Overalls Secures $4.6M in Funding to Pioneer Employee Benefits"

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## Contact Information

- **Website**: https://getoveralls.com
- **Demo**: https://getoveralls.com/demo-all-in-one
- **Email**: info@getoveralls.com
- **LinkedIn**: https://www.linkedin.com/company/getoveralls
- **Instagram**: https://www.instagram.com/getoveralls/
- **Privacy Policy**: https://getoveralls.com/privacy-policy
- **Terms of Service**: https://getoveralls.com/terms-of-use
- **Careers**: https://getoveralls.com/lcn-hiring

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## Sitemap

- https://getoveralls.com/ — Homepage: platform overview, features, pricing, ROI calculator
- https://getoveralls.com/about — About: leadership, advisors, investors, press coverage
- https://getoveralls.com/brokers — For Brokers & Consultants: partner program, broker kit
- https://getoveralls.com/carriers-associations — For Carriers & Associations: white-label, member engagement