Earnings and circumstance data matching

Matching each claim against authoritative records other bodies hold, such as employer-reported pay, tax records, and death and prison records, using same-period figures to adjust awards with a right to dispute, and sending every retrospective or uncertain mismatch to a caseworker who asks the claimant first.

Part of the recommended approachTechnique: Rules Engine

Data matching compares what a claimant declared with what an employer, the tax authority, or another agency has recorded for the same person and period.

In Universal Credit, earnings that employers report to the tax authority are used directly to calculate each monthly assessment, and a claimant who thinks the figure is wrong can dispute it with wage slips or bank statements, which is why the largest earnings overpayments come from the self-employed, whose income no employer reports.

DWP’s guidance also suspends a claim when expected earnings have not been reported for two assessment periods, until the claimant confirms what they received.

A match that looks backwards, such as a death record, a prison record, or a discrepancy with past tax data, goes to a caseworker, who checks the period it covers, contacts the claimant, and decides whether an overpayment arose.

The lesson of Australia’s Robodebt scheme is that a mismatch is a question, not an answer: the scheme raised debts from matches against tax office income, put the burden on people to disprove them, and was found unlawful in court.

This is the right first defence for overpayments caused by circumstances another body records.

It is the wrong tool for living arrangements and self-employed earnings, where no authoritative record exists and the random sample and case review have to carry the work.

Strengths for this problem

Limitations for this problem

Data needed

How it is measured

Pitfalls

Human oversight

Where the rules use an authoritative same-period figure, such as employer-reported pay for the current assessment period, the award is calculated from it, and the claimant is told the figure used and can dispute it with a caseworker. A caseworker reviews every retrospective mismatch, every suspected error in the record, and every case that could lead to an overpayment debt or a fraud referral, contacts the claimant, and decides. The claimant is told what record the agency holds and can respond before any debt is raised. Policy and legal teams approve each match rule and the legal gateway behind it, and analysts review each rule's confirmation rate.

Back to Benefit Overpayments From Fraud and Error