Deaths are going unreported.

THE PROBLEM

The Social Security Administration Death Master File (also known as the DMF), previously the leading source of death information, no longer contains state death records. As a result, it is no longer a comprehensive source of death data.
This has resulted in increased pension overpayments (fraud) and limited the ability of plan sponsors and third-party administrators to identify deceased participants and reunite beneficiaries with pension benefits.

WHY?

In November of 2011, the Social Security Administration (SSA) drastically reduced the number of records reported in the publicly available DMF.
Pursuant to a reinterpretation of section 205(r) of the Social Security Act, the SSA is prohibited from disclosing state death records the SSA receives through its contracts with the states, except in limited circumstances. The Limited Access DMF (LADMF) which excludes state records is available to companies that meet certification requirements in addition to paying an annual subscription fee.

WHAT’S THE IMPACT?

Based on PBI analyses across the thousands of populations for which we provide Death Audit services, the LADMF only identifies 35% of deaths in a timely manner.
Up to two-thirds of deaths are now found via a source other than the LADMF. The increase in data sources, coupled with the complexity of those supplementary sources, makes finding and verifying deaths more challenging than ever.

death audit pbi research services

Standard Death Audit


  • Best For:
    • Small Populations
    • Fully trained staff
    • Missing a death not impactful
  • Data Sources:
    • Death Master File (DMF)
    • 7 States
    • Standard Obit database
  • Features:
    • Continuous Monitoring/One Time Runs
    • Research Center to help validate obituaries
    • Custom Reporting in Excel or Text
    • Interactive Platform
    • Data De-duped

Certideath® Death Audit


  • Best For:
    • Larger Populations
    • Lack staff/resources
    • Missing deaths has a significant impact
  • Data Sources:
    • Death Master File (DMF)
    • 11+ States
    • Full Obituary Database
  • Features:
    • Continuous Monitoring/One Time Runs
    • No Research Center needed, All obituaries validated by PBI
    • Custom Reporting in Excel or Text
    • Interactive Platform
    • Data De-duped
  • Additional:
    • Proprietary algorithms
    • Integrated address/relative databases
    • Advanced AI capabilities
    • Up to 10x more Obituary coverage
    • Obituary validation completed by largest staff of subject matter experts in the industry
LEARN MORE ABOUT CERTIDEATH

The Solution

Pensions, life insurance companies, third-party administrators, Fortune 500 companies, and governments, need a complete and timely accounting of deaths in their population sets to minimize benefit overpayments, prevent fraud, and meet fiduciary responsibilities. PBI offers two solutions to help meet death audit needs.

Death Audit DataCertideath® Death Audit
Best For These Organizations
  • Small population set(s)
  • Staff fully trained on death auditing
  • Missing a death not impactful
  • Large population set(s)
  • Lack staff/resources dedicated to death audits
  • Missing deaths has a significant impact
Data Sources
  • Death Master File (DMF)
  • State Death Records (where available)
  • Basic Obituary database
  • Death Master File (DMF)
  • 50% more State Death Records than the Death Audit Data
  • Enhanced Obituary database
  • Up to 10x more Obituary coverage
Features
  • Continuous monitoring/One time runs
  • Research Center to help validate obituaries
  • Custom report delivery in Excel or text formats
  • Interactive platform
  • Data de-duped
  • Continuous monitoring/One time runs
  • No Research Center needed, obituaries validated by PBI
  • Custom report delivery in Excel or text formats
  • Interactive platform
  • Data de-duped
  • Proprietary algorithms
  • Integrated address/relative data available for retrieval
  • Advanced AI capabilities
  • Obituary validation completed by largest staff of subject matter experts in the industry
LEARN MORE ABOUT CERTIDEATH

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Name, Company

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Name, Company

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Name, Company

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Name, Company

You are missing deaths, and IT’S NOT YOUR FAULT!

Over the past five years there has been a dramatic decrease in SSA Death Master File (DMF) death records leading to over-payments, fraud, and an inability to locate beneficiaries entitled to benefits. PBI’s Platinum PLUS solution with ObitPro® will identify more deaths than any other service provider.

See how Fred used PBI to help eliminate overpayments – saving his company time and money.

WATCH VIDEO

DEATHS ARE GOING UNREPORTED!

THE PROBLEM:
The Social Security Administration (SSA), the number 1 death source in the country, is missing death records which has resulted in increased pension overpayments (fraud) and limited the ability of plan sponsors and Third-Party Administrators to identify deceased participants and reunite beneficiaries with pension benefits.

WHY?
In November of 2011, the SSA drastically reduced the number of records reported in the DMF (Death Master File) by no longer including state-protected death records. This was due to re-interpretation of Section 205r of the Social Security Act that determined it could no longer disclose state death records unless these deaths were independently reported to the SSA through a “First-Party Source” (Family & Friends, Funeral Homes, Coroners, Hospitals, Nursing Facilities, etc.).

WHAT’S THE IMPACT?
The SSA estimated that these changes would result in 1 MILLION Less Death Records being reported annually. In the following years after these changes took place, PBI has received an average of 1.4 million fewer death records in 2016 from the SSA. That’s a 50% decrease. The following graph illustrates the significant impact these changes have had on the numbers of SSA death records reported from the DMF.

THE SOLUTION:
PBI’s Platinum PLUS solution with ObitPro®! What’s the PLUS? It’s an additional sweep of your population file against PBI’s ObitPro® Database. Let the experts at PBI demonstrate to you how our state-of-the-art Death Audit solution will identify deaths where no death record exists! You’ll have peace of mind that you’ve acted in the best interest of participants, conserved fund assets and met your fiduciary responsibilities. However, don’t just take our word for it; see for yourself with a NO CHARGE 30 DAY TRIAL.

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