Digital Certificate of Entitlement (DCE)

Every year the Fund needs to verify the continuing eligibility of retirees and beneficiaries to the benefits they are receiving; this verification is done through the Certificate of Entitlement (CE). Until very recently, it was exclusively a paper-based process that required retirees/beneficiaries to sign and mail the CE form back to Fund – it was very dependent on postal services, which proved quite challenging particularly during the COVID-19 pandemic. Last year,  the Fund implemented a new Member Self-Service (MSS) Document Upload functionality that allows for electronic submission of the CE form via the beneficiary’s MSS account.

In order to further simplify and speed up the process, the Fund launched a mobile app – the Digital Certificate of Entitlement (DCE) App – which can verify and guarantee the identity of retirees/beneficiaries as well as their location via biometrics, storing key elements (non-personal data) of the transactions on an immutable and independently auditable digital ledger (using blockchain technologies). With this app, retirees and beneficiaries now have the option to complete the annual Certificate of Entitlement by providing their ‘proof of life’ in biometric format through the DCE App instead of having to return to the Fund the paper-based CE form or to upload it in MSS.