Case Studies

Case study 1: Capita Tracing and Data Solutions help 19 pension schemes comply with Record Keeping Guidelines


The Regulator reviews pension schemes at random, to ensure they comply with the Record Keeping Guidelines, and that the targets have been met. The targets for common data are 95% for legacy data and 100% for new data (post June 2010). Every scheme is at risk of this review and those chosen are required to submit their scheme data certificates to the Regulator.

Capita were asked by the Regulator to provide the following information for 19 pension schemes it administers:

  • Confirmation that the Scheme’s common data has been measured
  • The date the Scheme’s common data was first measured, and the score
  • The date the Scheme’s common data was most recently measured, and the score;
  • A copy of the action plan that is in place to measure and improve the data

Our solution

Common Data: Capita Tracing and Data Solutions trustees to meet Common data targets, by providing a Coredata™ Essential service. This service administers Common data tests and produces a single page certificate detailing the results and the overall score of the current scheme. Following this we support each client in improving the quality of its data to ensure it adheres to the guidelines.

The Coredata™ team has produced over 500 Essential certificates for pension schemes.

The Certificate highlights the areas where the scheme has both passed and/or failed the tests and recommends remedial action to keep scheme data in order. Capita provides this valuable first step free of charge and all data fixing is undertaken by our Coredata™ team including, tracing members with missing addresses. 

Conditional Data: We recommend our Coredata™ Conditonal Analysis tests on conditional scheme data. However, if clients wish to identify the key elements of their Conditional Data in advance we can run our individual tests against the selected criteria. Equally, we provide consultancy advice in determining the key Conditional Data items depending upon scheme rules and events.

The Coredata™ team has produced over 150 Conditional data reports and performed over 60 Conditional data cleanse projects for pension schemes.

Ongoing Monitoring: Capita believe that running data analysis should not be considered a one-off exercise and that ongoing monitoring is the key.

Case study 2: Tracing Solutions - Online Mortality Check


Otto Thoresen, the ABI’s Director General, said

“Dealing with bereavement is hard enough, without the added stress of worrying about money.  This new life insurance claims process means the time it takes on average to receive a payout will drop from four months to just four weeks. We believe that this will go some way to alleviating financial hardship for a deceased person’s dependents, especially families on lower incomes who have few other assets available to rely on.”


To support this process Capita launched an online mortality checking system eDecision in partnership with Equifax. 

eDecision provides Identity and Verification checks on individuals to ensure that there is evidence of identity, residency and no sanctions/alerts against the individual. 

Our distribution version of eDecision software includes DDRI (Disclosure of Death Registry Information) records ensuring that impersonation of deceased fraud can now be fully countered. The database now includes all government GRO & DDRI deaths from 1984 to the present day, updated weekly, each Monday

This development is the result of a unique collaboration between Capita and Equifax, and users are now able to check online all deaths registered after 1984 as part of the Identity screening solution.

eDecision is simple to use and results are returned within seconds.  Where customer data is matched to a death record, an alert appears “Refer – P1 : Matched To Death Data”.

The results for DDRI deaths are displayed as follows. Please note that eDecision matches name and date of birth only, not address. As you can see, this means that where there is more than one result, the dates of death and addresses will be displayed for all of them. Interestingly, whilst Smith is a common surname the unique combination of name and date of birth means that multiple results will not occur for between 90% to 95% of names.

Key information is displayed including: Name, Last Known Address, Date of Birth, Date of Death, Death Registration number for collection of the death certificate.