If the person has died, why address the letter to them?
I got a letter from United Healthcare a couple days ago.
I think they worded it nicely.
First off, it was addressed to "The Estate of...."
Then (I've got the letter in front of me) "We're sorry to hear about the recent loss of XXX. We want to share some information with you without placing any extra burden on you at this time."
That is so perfect. Condolences, and acknowledging they don't want to make things harder, but we gotta tell you something.
It was actually good info, saying that Medicare notified them to end his MedicareRX as of 1/31/2020. Then, if I was mistakenly charged in Feb, to contact them.
Actually, big task completed yesterday.
I had mistakenly thought I needed his Death Cert to have Social Security Survivors benefits apply to me.
For some reason, I was actually looking at the SS website on 1/30. It said that whenever you apply, the benefits do Not go back retroactive to the time of death, but when you apply, so the sooner the better.
I called their 800 number, but it was maybe 6:30pm or later, and the auto operator estimated that the wait time was over 2 hours.
I saw they opened their lines at 7am. So on 1/31 I was ringing their number at 7:01am
Turns out what I needed was a copy of the marriage license, bank info, and something showing what I made last year (I couldn't have earned more than $17K or something)
The CSR suggested on just show up at the local office, and would be fit in.
I saw the office oppened at 9am, so I arrived at 8:35am, so there were only maybe 20-25 people waiting at the door.
Within the hour I found out that not only would I receive 71.5% of his check, but that I could collect my Full retirement amount at 66 plus some months. That would be an increase at that time of over $700 a month. I was approved and there will be no gap in benefits.
71.5% of his check is about $200 less than what mine would be when I turn 62 this coming december.
Running the numbers, it's a win win. I'll end up getting about $3K less in total between my current age 61, and 66 years and 8 months, but then get that big jump forever.
That was a big thing to cross off my list.