Streamlining Retiree Management: BAS Death Verification Service

Organizations managing retiree benefits face a persistent challenge: unreported deaths lead to continued benefit payments, wasted resources, and compliance risks. When retirees pass away, family members often fail to notify former employers or benefit administrators, resulting in unnecessary costs that can continue for years.

The Problem of Unreported Deaths

Without reliable death verification, organizations face multiple issues:

• Continued healthcare premium billing to deceased retirees
• Improper pension payments that should have terminated
• Administrative resources wasted on managing inactive accounts
• Inaccurate actuarial calculations affecting fund projections
• Potential compliance violations with regulatory requirements

The SSA Death Master File Solution

The Social Security Administration's Death Master File (DMF) provides the definitive solution for verifying mortality status. This comprehensive database contains over 100 million verified death records with detailed identification data including names, Social Security numbers, and dates of birth and death.

However, accessing this critical resource requires meeting stringent federal requirements that include:

• Annual certification from the National Technical Information Service (NTIS)
• Audits by accredited conformity assessment bodies
• Comprehensive security protocols exceeding federal standards
• Advanced data protection capabilities and encryption
• Ongoing compliance monitoring and documentation

For most benefit administrators, establishing direct DMF access represents a prohibitive compliance and cost burden.

BAS Death Verification Service: Authorized Access Without the Burden

BAS maintains fully authorized access to the SSA Death Master File and offers a comprehensive verification service that allows organizations to benefit from this essential resource without navigating complex federal compliance requirements.

How It Works

1. Client organizations securely transmit participant data to BAS
2. Advanced matching algorithms compare records against the DMF
3. Potential matches undergo verification to eliminate false positives
4. Detailed reports provide confirmed death dates and confidence metrics
5. BAS assists with implementing appropriate actions for identified deceased participants

Key Benefits

• Enhanced Data Accuracy: Access to the most authoritative death verification source with advanced matching algorithms
• Regulatory Compliance: BAS maintains all required certifications for access to the DMF and handles data in accordance with federal regulations
• Operational Efficiency: Elimination of returned mail and streamlined benefits administration
• Financial Benefits: Prevention of improper payments and more accurate financial forecasting

Organizations implementing the BAS Death Verification Service typically identify previously unknown deaths, prevent substantial improper payments, decrease administrative costs, and improve actuarial projections.

In today's environment of increasing regulatory scrutiny and cost-containment pressure, BAS offers the expertise, federal authorization, and technology to make this essential service accessible to organizations of all sizes. For information, contact your account manager or solutions@basusa.com.

Benefit Allocation Systems (BAS) provides best-in-class, online solutions for: Employee Benefits Enrollment; COBRA; Flexible Spending Accounts (FSAs); Health Reimbursement Accounts (HRAs); Leave of Absence Premium Billing (LOA); Affordable Care Act Record Keeping, Compliance & IRS Reporting (ACA); Group Insurance Premium Billing; Property & Casualty Premium Billing; and Payroll Integration.

MyEnroll360 can Integrate with any insurance carrier for enrollment eligibility management (e.g., Blue Cross, Blue Shield, Aetna, United Health Care, Kaiser, CIGNA and many others), and integrate with any payroll system for enrollment deduction management (e.g., Workday, ADP, Paylocity, PayCor, UKG, and many others).