Supplemental Insurance Chargebacks: The Descriptor Fix That Drops the Ratio

By Erica Bennett · May 19, 2026 · 8 min read

Supplemental insurance disputes break 51% I-don't-recognize-this-charge, 29% benefits-not-explained, 11% unclear-cancellation. A descriptor rebuild + TCPA consent record + Verifi RDR drops the ratio from the 2-3% industry norm to under 1%. The full playbook with the 2.4% to 0.6% recovery.