MM & PMI Partnership
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Overseas Proof of Life
Engages overseas members either digitally or via hard copy and takes them on a proof of life/ existence journey.This gives confidence that your member is alive and well and living where you think they are
The Cost of Overseas Pension Payments
Approximately 1.7 million UK retirees currently live abroad. 1.2 million are receiving state pension and approximately 600,000 have retired early and receiving private or occupational pensions. With a 2% annual mortality rate, approximately 34,000 overseas British retirees are likely to pass away each year. If these deaths go unreported, pension schemes risk continuing payments to deceased individuals.
The risks of fraud, overpayment or paying the wrong person increase significantly for overseas members.Reaching out to overseas members to ensure they are alive and well is a vital element of scheme administration.To mitigate these risks and with overseas mortality data unavailable, some pension schemes send letters to their overseas members asking them to complete proof of life certificates that must be officially certified in their country of residence.This is a very slow, time consuming and expensive process that generally has low response rates.
Fully Managed end-to-end Overseas Proof of Life Service
MM Overseas engages overseas members and takes them on a proof of life/ existence journey. This gives confidence that your member is alive and well and living where you think they are.
MM Overseas Proof of Life is a fully managed service that engages with your member and obtains evidence that they are alive and well.
The following categories will be determined for all members:
- Digital and hard copy outbound communication options.
- Helpdesk handling of member enquiries.
- Biometric identity verification.
- 48 supported languages and dialects.
- 230+ international official document types supported.
- Certificates of existence.
- Single or bulk checking capability.
- Full project management.
- Reporting and management information.
FAQ's
Q: Is this a scam?
You have been contacted by us as a genuine attempt to verify your identity for your Pension Scheme. This is to protect your Pension and Pension payments.
If you have concerns please contact your Pension Scheme directly. Their member services team will be able to confirm that they have asked us to help them and that we are working on their behalf.
Q: Why have you contacted me?
We work with many Pension Schemes who ask us to contact their members to verify that they are alive and well. They do this so that they can protect their members by ensuring that any payments that are due to the member are made to the correct person.
There are a variety of data services in the UK that can provide such checks automatically in the background but for members living outside the UK, it is necessary to make direct contact.
Q: I have never heard of the Pension Scheme you are working with.
This is not uncommon as some schemes operate under ‘umbrella’ names, or may have been merged with other schemes over the years.
It’s worth taking a look on the Pension Scheme's website to see if they are linked to a scheme that you have dealt with or recognise.
Q: Do I have to download an app?
A : This verification service does not require you to download an app. The entire journey can be completed in your browser. That could be on any phone, tablet, laptop or desktop computer.
Q: Is my data secure?
Any data collected during the verification process is stored in a GDPR compliant secure storage. The biometric data, including images, is not shared with ANY other party and all data is deleted ofter a brief period in line with agreed data destruction policies.
We are ISO 27001 accredited. This is the international standard for information security – our accreditation provides reassurance that all requirements and obligations are being met and exceeded.
Q: What information and documents will I need to verify myself?
We accept thousands of ID documents from over 200 countries and territories. You can start the process by scanning the QR code we have sent you, or clicking on the link we have sent you, or by visiting our website.
- A copy of your personalised letter or email with your unique code (if starting the process via our website.
- A smart phone or tablet
- Your identity document such as a passport or drivers licence
Q: My link does not work.
A: Try using the link on a different device or;
If the link is over 30 days old it will have expired and you will need to request a new link.
Q: How do I get a new verification link?
The link we provided can be accessed multiple times until the process has been completed or the link has expired. Expiry is usually set at 30 days.
If you require a new link you can email us at verify@mmos.co.uk
Q: What happens if I fail to verify my identity?
We report the outcome of the verification process to your Pension Scheme. If you do not complete the process or your attempt to do so fails, it is likely your Pension Scheme will try and contact you again and it could be they suspend pension payments.
Q: What happens once I have successfully verified my identity?
All verification results are reported back to your Pension Scheme for them to take whatever next steps they apply.
Q: When will my pension be paid to me?
A: For all pension payment queries please contact your pension scheme.
Q: I have received a call from you.
We will never call a Pension Scheme member and ask for any information by phone. Any call claiming to be from us should be terminated.
Please notify us of any such call by email to verify@mmos.co.uk
Q: The person we are trying to verify has passed away.
Please contact us via our email address of verify@mmos.co.uk to inform us of the details so that we can let the Pension Scheme know.