MORTALITY SCREENING AND TRACING SOLUTIONS 

HAVE YOU RECEIVED A LETTER FROM FTB? >> CLICK HERE TO FIND OUT MORE >>

Keeping in touch with your members 

ITM offers full tracing solutions and mortality screening. These services allow you to keep your member records accurate. Clean and up-to-date member data is key to the efficient running of all pension schemes - the Pensions Regulator's record-keeping guidance highlights the impact of poor data management as significant additional costs and reputational costs. Data integrity is key to both specific scheme goals and an increased regulatory focus.  




TRACING

 Our tracing services help ensure your records are accurate and compliant. Whether a quick electronic trace or full in-depth analysis, our experienced and highly trained team can help. We cross-reference external datasets and fully verify results before clear, concise communication of the results.

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SCREENING

Our mortality screening is comprehensive, discreet and sensitive. Using multiple key data sets, results are checked and verified before being reported clearly and securely. This helps improve data accuracy and compliance and reduces exposure to overpayments or fraud.

DATA CLEANSING

Utilising multiple external datasets and our proprietary data analysis and cleansing software, our automated data cleansing helps improve and maintain accuracy and integrity, demonstrate consistent record keeping and reduces the risk of incorrect benefit payments.

MONITORING 

Mortality monitoring of your pensioner database can drastically reduce overpayments, saving you time and money and eliminating fraud and the risk of IOD (Impersonation of Deceased). We are one of the few tracing agencies approved for direct access to the Disclosure of Death Registration Information (DDRI) data from the GRO (General Register Office).  

“Our range of services work to ensure you attain the required 95% accuracy on your scheme’s records…”

>TRACING

Experts in tracing missing beneficiaries for the pensions and insurance industries  

For the insurance and pensions industries, tracing missing beneficiaries is vital to the efficient running businesses. 

At ITM, our primary goal is to ensure your data is up to date and accurate, keeping you compliant with all current legislation. To do this, our experienced and highly trained professionals cross-reference the newest and most extensive range of UK databases. And we regularly achieve over 90% success rates in tracing missing beneficiaries. We can provide a quick electronic trace as well as in depth full tracing. 

You’ll take confidence in knowing that traces are fully verified before reporting and include full addresses in UK or abroad, contact telephone numbers, email addresses and forenames if not known. We realise how important this is to you, especially, considering 10% of the UK population moves every year and 33% every 4 years. 


 

– “10% of the UK population moves every year and 33% every 4 years…  


>SCREENING

Mortality Screening reduces scheme overpayments and facilitates Good Governance  

Over half a million mortalities are registered in the UK each year. It’s estimated that a staggering £200 million per annum is paid out to deceased pension scheme members.

Our Mortality Screening service effectively and thoroughly checks your pensioners’ information against data on the UK death registers. Our process is reassuringly comprehensive and conducted discreetly and sensitively, without dispatching life certificate or any other member contact. The results are then provided in a timely, efficient and secure fashion. Enabling you to reduce scheme overpayments. 

As a matter of course, we also clean your databases using Royal Mail’s Postcode Address File (PAF) and the current Electoral Roll. This corrects addresses, adds forenames wherever possible while trying to verify continued residence. In fact, we check and verify all high-matched output. Screening can be carried out from 1984 onward for England and Wales and 2007 for the whole of the UK.

A standard approach to this service is to do a 10 year historical check and then go onto our monthly monitoring programme. This helps to demonstrate Good Governance.

KEY DATA SETS:

  • ONS Historic from 1984-2006
  • GRO DDRI from 2008 
  • GRO Gap 2007-2008
  • Probate Register
  • Halo
  • Experian
  • Postcode Address File (PAF)
  • Current Electoral Roll 

– “Screening protects you from potential deliberate or inadvertent pension fraud. Our screening is reassuringly comprehensive and conducted discreetly and sensitively…  


>DATA CLEANSING

Data Cleansing, reduces overpayments, limits fraud and keeps you tPR compliant.

The last 40 years have changed the profile of members. They are more mobile – both in jobs and homes as well as living longer. 

Data Cleaning can reduce risks to your scheme caused by poor or incomplete records. Equally important, it will keep you compliant with tPR (the Pensions Regulator) record keeping guidelines and also with the Data Protection Act. 

Our service is comprehensive and includes PAF (Royal Mail’s Postcode Address File) to cleanse and append missing address data. This is important given the impact on databases caused by marriages, members moving and mortalities. An ITM cleaned database limits the risk of any overpayment of benefits and helps to eliminate fraud and inefficiencies which will negatively impact actuarial calculations and funding in the future.  


 

– “An ITM cleaned database limits the risk of any overpayment of benefits and helps to eliminate fraud and inefficiencies.  


>MONITORING

Regular Mortality Monitoring can identify deceased members in days

Monthly Mortality Monitoring of your pensioner database can save you time and money by eliminating fraud and the risk of Impersonation of Deceased (IOD). 

We are screened and approved for direct access to the Disclosure of Death Registration Information (DDRI) data from the GRO (General Register Office). So we are able to disclose deceased members in one to six weeks, and in some cases, literally within days.  

Our monthly mortality screening service is handled safely and securely in house, and covers the whole of the UK including Northern Ireland. It begins with a Historic Mortality Screening that cleans your databases using Royal Mail’s Postcode Address File (PAF) and the current Electoral Roll. This corrects addresses, adds forenames wherever possible while trying to verify continued residence. Once data has been screened, we check and verify all high-matched output. Your databases are monitored quickly and discreetly without the need for member contact. You’ll then receive a monthly, timely, efficient and secure report of our findings. What’s more, additions to your database can be entered quarterly. This helps demonstrate Good Governance.  

KEY DATA SETS:

  • GRO DDRI from 2008 
  • Current Electoral Roll 
  • Postcode Address File (PAF)

We are screened and approved for direct access to the Disclosure of Death Registration Information (DDRI) data from the GRO (General Register Office)… 




Have you received a letter from FTB?

If you have received a letter recently from us asking to update your details, it’s nothing to cause worry, but it is important and to your advantage that you respond right away. Keeping your information current, for example, will ensure you receive confidential pension documents and other correspondence quickly and without delay. It could also mean that you are entitled to a payout from a pension, insurance policy or investment. So it makes sense to complete the information and return it to us as soon as possible.

WHAT TO DO NOW… Please contact us if the person highlighted on the letter you received from FTB no longer resides at the address and then provide a forwarding address (if available). Also, please contact us if the person is deceased. Keeping our records current will prevent posting further correspondence which could cause upset.  

Call us on 020 8667 2444 Please have our letter in front of you when you call – we will require the reference number written on the top of our letter. This is simply a verification process and we appreciate your help.  

Data services overview –

ITM offers an end-to-end strategic solution. To find out how we can help your scheme, please download our overview.

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Contact us…

If you would like more information about our tracing and mortality services, talk to Chris Rattenbury

t / 020 8667 2444

©2018 ITM LIMITED