Screen every payment cycle
Run the full annuitant file before disbursement so payments stop at the right month.
Pension & Retirement
Detect deceased annuitants before the next payment run
Pension overpayment after death is one of the most persistent leakage problems in retirement administration, and one of the most awkward to resolve, because recovery means approaching a grieving family.
MonthlyPre-payment screeningCatch the death in the same cycle it occurs.
7 DaysRecord availabilityFast enough to stop the very next payment.
WebhookMid-cycle alertsHold a disbursement the moment a match is published.
The exposure
What goes wrong without current deceased data
Every one of these failures traces back to the same root cause: the death happened weeks before the data you screen against reflected it.
- Monthly annuity payments continue for months after the annuitant has died
- Overpayment recovery is slow, costly and reputationally sensitive
- Annual proof-of-life mailings are expensive and easy to circumvent
- Fiduciary and actuarial reporting depends on an accurate mortality picture
The outcome
What changes for pension & retirement funds
Reduce proof-of-life costs
Continuous data-driven screening cuts reliance on expensive annual attestation mailings.
Meet fiduciary duty
Demonstrate active, documented stewardship of plan assets to trustees and auditors.
Kinder for families
Preventing an overpayment avoids asking a bereaved family to return money months later.
Where it fits in plan administration
The standard pattern is a batch screen of the full annuitant file a few days before each disbursement, with matches routed to a benefits analyst for confirmation and survivor-benefit processing. Larger plans layer continuous monitoring on top, so a match discovered mid-cycle triggers a webhook and the payment can be held immediately rather than waiting for the next scheduled run.
The flow
From identity to decision
STEP 01
Send the identity
Post the name, date of birth and any combination of SSN or last known address to our verification endpoint, or upload a batch file through the dashboard.
STEP 02
We match against the live index
The identity is scored against our continuously refreshed nationwide deceased index, built from source records rather than downstream aggregators.
STEP 03
Get a decision-ready verdict
You receive a clear deceased / not-found verdict, a confidence score, the date of death where available and a reference ID you can store for audit.
STEP 04
Act before the loss
Block the application, freeze the account, pause the benefit payment or route to manual review, all before funds move and while recovery is still possible.
FAQ
Pension & Retirement Funds questions, answered
Frequently asked questions
How much overpayment can pre-payment screening realistically prevent?
It depends on your population's mortality profile, but the mechanism is straightforward: each month of delay in detecting a death equals one additional full annuity payment issued in error. Compressing detection from roughly two months to roughly one week typically eliminates the majority of post-death payments entirely.
Can this replace our annual proof-of-life process?
It substantially reduces dependence on it. Continuous data-driven screening detects deaths far faster than an annual attestation cycle and cannot be circumvented by a family member returning the form. Many plans retain a reduced attestation process for specific populations while relying on screening for the bulk of the file.
Does it work for beneficiaries and survivors as well as primary annuitants?
Yes. Any identity in your file can be enrolled, including survivors receiving continuing benefits and beneficiaries on record for future payments.
How do we handle a match on someone who is actually alive?
Every result carries a confidence score and a matched-field breakdown, so you can set a high threshold for automatic action and route anything below it to analyst review. We recommend holding rather than terminating on first match, with confirmation before any benefit is permanently stopped.
Other sectors
Death verification in adjacent industries
Banks & Credit UnionsCatch decedent account fraud before the funds moveLenders & Credit IssuersDecline decedent applications at the point of decisionInsurance CarriersValidate every claim against a current death indexGovernment & Public AgenciesStop improper payments before the next disbursementEmployers & HR ScreeningCatch stolen identities at onboarding, not at auditHealthcare & PharmacyProtect patient records from posthumous misuse
Close the gap for your pension funds workflow
Share your use case and expected volume and we will issue sandbox credentials so your team can build and certify the integration before contracting.
