The vast fraud committed through the use of stolen and synthetic identities in UI programs has spotlighted the need for updated identity fraud detection mechanisms. As states are implementing new technologies and systems, they need to consider the ways in which they are impacting racial inequities in UI benefits.
Some states are adding unnecessary complexity to benefits application processes by requiring Remote Identity Proofing (RIDP) before applying or truncating other business. This paper provides background on RIDP, explains when it’s required, and makes recommendations on how states can preserve the security of online interfaces without the barrier of RIDP.
Remote identify proofing is the process federal agencies and other entities use to verify that the individuals who apply online for benefits and services are who they claim to be. If the applicant responds correctly to personal questions, their identity is considered to be verified. However, data stolen in recent breaches could be used fraudulently to respond to knowledge-based verification questions. Alternative methods are available that provide stronger security, but these methods may have limitations in cost, convenience, technological maturity, and they may not be viable for all segments of the public.
