Category Archives: Hygiene

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

As reported in LifeHealthPRO on Feburary 1st 2013 (http://www.lifehealthpro.com/2013/02/01/hancock-hit-with-unclaimed-property-lawsuit) , 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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Four More States Propose Legislation Requiring Routine Deceased Processing using the SSA DMF

On January 29, 2013, New Mexico joined Vermont, Massachusetts and North Dakota and became the fourth state this year, the tenth overall, to propose legislation requiring regular use of the Social Security Administration Death Master File (SSA DMF). However, as with the other … Continue reading

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Five Things to Consider when Deciding Whether to Outsource SSA DMF Processing

Every company has its core competencies and most likely if you are an insurance company, your expertise has something to do with insurance and not necessarily data processing.  Having said that, many organizations will consider performing Death Master Processing for … Continue reading

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5 steps Insurance Companies Need to Take Now for Death Matching Compliance

With recent state mandates and audits on the rise, the following steps will help insurance companies who want to ensure compliance with these newly passed death matching requirements. Assign an Internal Champion and Get Informed: Each company needs a dedicated … Continue reading

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