{
  "ves_version": "1.2-draft",
  "decision_id": "018f0d4e-7b3a-7c11-a75f-3d13ec33aff1",
  "decision_type": "insurance.claims.referral",
  "decision_timestamp": "2026-09-18T10:22:00Z",
  "decision_subject": { "reference": "claim_ref_REDACTED_7F2A", "reference_type": "opaque_claim_reference" },
  "decision_context": { "summary": "Redacted claim context snapshot available at referral.", "evidence_ids": ["018f0d4e-7b3a-7c11-a75f-3d13ec33a001"] },
  "governing_conditions": { "summary": "Versioned fictional policy wording and referral rule references.", "evidence_ids": ["018f0d4e-7b3a-7c11-a75f-3d13ec33a002"] },
  "business_authority": { "summary": "Declared handler role; delegated limit record was not independently retrieved.", "evidence_ids": [] },
  "system_contribution": { "summary": "Workflow generated a threshold referral and retained a runtime receipt.", "evidence_ids": ["018f0d4e-7b3a-7c11-a75f-3d13ec33a003"] },
  "human_judgement": { "summary": "Reviewer approved escalation with redacted rationale.", "evidence_ids": ["018f0d4e-7b3a-7c11-a75f-3d13ec33a004"] },
  "outcome": { "code": "referred_for_senior_review", "commitment": "Referral accepted and routed to the fictional senior claims function.", "effective_at": "2026-09-18T10:22:00Z" },
  "profile": "ves.insurance.claims-referral.1.2-draft",
  "evidence": [
    { "ves_version": "1.2-draft", "evidence_id": "018f0d4e-7b3a-7c11-a75f-3d13ec33a001", "type": "claim_document", "source": { "system": "example-claims-core", "standard": null, "standard_version": null, "issuer": "fictional-insurer.example" }, "captured_at": "2026-09-18T10:10:00Z", "applicability": { "from": "2026-09-18T10:10:00Z", "to": null }, "integrity": { "algorithm": "sha-256", "digest": "sha256:REDACTED_CONTEXT_DIGEST", "verification_reference": null }, "decision_relation": "relied_on", "reference": "manifest://redacted/context/01", "limitations": ["Content redacted from public test vector"], "extensions": {} },
    { "ves_version": "1.2-draft", "evidence_id": "018f0d4e-7b3a-7c11-a75f-3d13ec33a002", "type": "policy_excerpt", "source": { "system": "example-policy-library", "standard": null, "standard_version": "2026.09", "issuer": "fictional-insurer.example" }, "captured_at": "2026-09-18T10:11:00Z", "applicability": { "from": "2026-09-01T00:00:00Z", "to": null }, "integrity": { "algorithm": "sha-256", "digest": "sha256:REDACTED_WORDING_DIGEST", "verification_reference": null }, "decision_relation": "governed_by", "reference": "manifest://redacted/wording/07", "limitations": ["Excerpt content redacted"], "extensions": {} },
    { "ves_version": "1.2-draft", "evidence_id": "018f0d4e-7b3a-7c11-a75f-3d13ec33a003", "type": "runtime_receipt", "source": { "system": "example-claims-workflow", "standard": "external.runtime.receipt", "standard_version": "1.1", "issuer": "fictional-runtime.example" }, "captured_at": "2026-09-18T10:15:30Z", "applicability": { "from": "2026-09-18T10:15:30Z", "to": null }, "integrity": { "algorithm": "sha-256", "digest": "sha256:REDACTED_RUNTIME_DIGEST", "verification_reference": "https://example.invalid/verify/redacted" }, "decision_relation": "produced_by", "reference": "manifest://redacted/runtime/03", "limitations": ["Valid runtime receipt does not establish business authority"], "extensions": {} },
    { "ves_version": "1.2-draft", "evidence_id": "018f0d4e-7b3a-7c11-a75f-3d13ec33a004", "type": "human_review", "source": { "system": "example-review-workflow", "standard": null, "standard_version": null, "issuer": "fictional-insurer.example" }, "captured_at": "2026-09-18T10:21:30Z", "applicability": { "from": "2026-09-18T10:21:30Z", "to": null }, "integrity": { "algorithm": "sha-256", "digest": "sha256:REDACTED_REVIEW_DIGEST", "verification_reference": null }, "decision_relation": "reviewed_by", "reference": "manifest://redacted/review/04", "limitations": ["Reviewer identity replaced by an opaque role reference"], "extensions": {} }
  ],
  "verification": { "declared_at": "2026-09-18T11:00:00Z", "profile": "ves.insurance.claims-referral.1.2-draft", "overall_status": "Qualified", "dimensions": { "source_conformance": "Verified", "integrity_and_provenance": "Qualified", "temporal_applicability": "Verified", "business_authority": "Indeterminate", "structural_completeness": "Qualified", "replayability": "Qualified" }, "limitations": ["Delegated authority record was declared but not independently retrieved", "Runtime receipt alone does not establish business authority or a complete decision-state"] },
  "extensions": { "org.example.public-test-vector": { "fictional": true, "personal_data": false } }
}