Author Archives: Tom Berger

About Tom Berger

Thomas Berger is Chief Executive Officer of Cross Country Computer. Tom joined Cross Country in 1991 and acquired the company in 1996. During his tenure, Tom has overseen the debt-free growth of CCC and has been instrumental in strengthening the company’s infrastructure while simultaneously developing new services and diversifying into new business lines. Tom has personally developed the vision and design specifications for many of Cross Country’s systems, including TBeaut and CBeaut, our proprietary title and company name standardization products. In addition, Tom holds the patent for our Abandoned Property Escheat Assignment & Reporting System (APEARS™). Tom has served two terms as Treasurer of the Unclaimed Property Professionals Organization (UPPO) as well as two years as Secretary of the Unclaimed Property Committee within the Securities Transfer Association. He assisted in the creation of a white paper designed to educate the holder community about unclaimed property review and reporting practices. Tom has spoken frequently at Unclaimed Property conferences and was honored with the 2005 Unclaimed Property Holders Liaison Council’s (UPHLC) President’s Award. Tom is also an active member in numerous direct marketing related organizations including the Direct Marketing Association of Long Island, where, in 2012, he was selected as one of three inductees into the DMALI Hall of Fame. He is also a lifetime member of MENSA, the international High IQ society. Tom holds a BS degree in Management and Marketing from the Rochester Institute of Technology and has received military security clearance to oversee our government accounts.

Florida Court Issues Opinion on ‘Time’ vs ‘Proof’ of Death

  Please see below for an article recapping the Florida First District Court of appeals’ August 5th 2014 opinion in regard to Thrivent Financial for Lutherans v. State of Florida, Department of Financial Services (DFS).  In short, the court disagreed … Continue reading

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Guidance on Proposed DMF Certification Guidelines

As many are now aware, the administration recently passed legislation that will delay access to current death data on the Social Security Administration’s Death Master File (SSA DMF) for three years.  This legislation provides for a certification process that will … Continue reading

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Are Standardized Death-Matching Guidelines on the Horizon for Insurers?

As many in the insurance industry now know, New York Life Insurance Co. (NY Life) has recently agreed to a $15 million dollar settlement to close its unclaimed property audits.  While NY Life has been considered by many to be … Continue reading

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ANICO Ruling Casts Doubt on Ability to Circumvent State UP Audits; Is there an Implied Duty to Undertake Death Matching?

On May 7th, 2013, the California State Controller filed suit against ANICO (John Chiang vs. American National Insurance Company) seeking an order preliminarily enjoining Defendant American National Insurance Company, a Texas Corporation, (“ANICO”), and any persons acting on their behalf, including … Continue reading

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The Impact of Proposed Legislation to Restrict Access to the SSA DMF; Making “The Perfect” the Enemy of “The Good”?

There is an old story about large numbers of government benefit checks piling up at Post Offices.  Postal carriers, leery of mail theft in marginal neighborhoods, would hold checks rather than placing them in mail boxes.  While this kept the checks out … Continue reading

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Understanding the Importance of Feingold v. John Hancock Life Insurance Company

Please see the below for an interesting article titled ‘Win for Life Insurer in Unclaimed Property Arena” which discusses Feingold v. John Hancock Life Insurance Co., No. 13-10185 (D. Mass.). This article opens by noting the scrutiny that has recently been … Continue reading

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Making Sense of the GAO Reports on Gaps & Errors in the SSA Death Master File

There have been many recent developments impacting the insurance industry.  This discussion covers the following: May 3rd 2013 GAO audit report identifying gaps in the SSA DMF and Verus Financial’s comments on same. May 8th 2013 GAO testimony addressing the … Continue reading

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New Department of the Treasury proposal and Senate Bill 676 Introduced to Limit Access to the Social Security Administration’s Death Master File

Contact Tom Berger if you are an advocate, attorney or professional with insurer relationships that can benefit from our shared expertise. Requirements for using the Social Security Administration’s Death Master File (SSA DMF) to review insurer books and records in … Continue reading

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Court Ruling Reinforces Death Matching Statute Obligation


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John Hancock Lawsuit is a Wake-Up Call for Some Insurers

As reported in LifeHealthPRO on Feburary 1st 2013 ( , John Hancock has been named in a class action lawsuit concerning their practices relating to life insurance death benefit payments.  The suit seeks damages for individuals who did not find … Continue reading

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