Tracing Solutions - Online mortality check

Background

Otto Thoresen, the ABI’s Director General, said

Dealing with bereavement is hard enough, without the added stress of worrying about money.  This new life insurance claims process means the time it takes on average to receive a payout will drop from four months to just four weeks. We believe that this will go some way to alleviating financial hardship for a deceased person’s dependents, especially families on lower incomes who have few other assets available to rely on.

Solution

To support this process Capita launched an online mortality checking system eDecision in partnership with Equifax. 

eDecision provides Identity and Verification checks on individuals to ensure that there is evidence of identity, residency and no sanctions/alerts against the individual. 

Our distribution version of eDecision software includes DDRI (Disclosure of Death Registry Information) records ensuring that impersonation of deceased fraud can now be fully countered. The database now includes all government GRO & DDRI deaths from 1984 to the present day, updated weekly, each Monday

This development is the result of a unique collaboration between Capita and Equifax, and users are now able to check online all deaths registered after 1984 as part of the Identity screening solution.

eDecision is simple to use and results are returned within seconds.  Where customer data is matched to a death record, an alert appears “Refer – P1 : Matched To Death Data”.

The results for DDRI deaths are displayed as follows. Please note that eDecision matches name and date of birth only, not address. As you can see, this means that where there is more than one result, the dates of death and addresses will be displayed for all of them. Interestingly, whilst Smith is a common surname the unique combination of name and date of birth means that multiple results will not occur for between 90% to 95% of names.

Key information is displayed including: Name, Last Known Address, Date of Birth, Date of Death, Death Registration number for collection of the death certificate. 

Pension Scheme Insight Report 2016

The Pension Scheme Insight Report 2016 is aimed at those responsible for designing pensions and employee benefits programmes in the workplace.

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GMP

The report shows more than half (54 per cent) of managers and trustees cite GMP reconciliation as the major challenge for the next 12 months, making it the most commonly cited demand among pension managers and trustees.

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