1. A method comprising: receiving an electronic policy document specifying a plurality of criteria; identifying, in a segment of unstructured text in the policy document, a criteria delimiter; identifying a first portion and a second portion of the segment of unstructured text, wherein the first and second portions are identified based on the criteria delimiter, wherein the first and second portions comprise a first criterion and a second criterion, respectively, wherein the first criterion comprises text in the policy document specifying: a first concept, a value for the first concept, and a first operator for the value for the first concept, wherein the second criterion comprises text in the policy document specifying: a second concept, a value for the second concept, and a second operator for the value for the second concept; identifying, by a first annotator of a plurality of annotators, an anaphora in the second portion of the segment of unstructured text that relates the second concept to the first concept; combining, based on the identified anaphora, the first criterion and the second criterion into a composite criterion, wherein the composite criterion comprises the first and second concepts, at least one of the first and second operators, and at least one of the values for the first and second concepts; and storing an indication that the composite criterion is one of the plurality of criteria for the policy document, wherein combining the first and second criteria reduces an amount of processing resources required to process cases against the plurality of criteria of the policy document relative to processing cases without combining the first and second criteria.