Tim Beard is a decorated, combat veteran of the Vietnam War and a retiree from AEP, he has diabetes and has problems with short-term memory.
His brother, Jim Beard takes care of Tim’s financial affairs and makes sure he gets to all of his doctor appointments.
Imagine his shock when he received a letter from Medicare, then from an insurance company.
“From Security Financial Group, which is his life insurance, this letter is in regard to the claims filed on behalf of Timothy Beard, please accept our company’s sincere condolence”, said Jim Beard.
With his brother listed as deceased, his insurance coverage was cancelled, meaning thousands of dollars of medical bills were not covered, putting the responsibility on Jim.
He discovered the rules of Social Security to bring someone back, requires a physical visit so they can see Tim is alive and has proper identification, which Jim did but, there’s more.
“I could probably tell them more about him than they could tell me, but yet here I am trying to convince them that he’s still alive.”, says Jim Beard.
The younger brother has a medical power of attorney for health care and a durable POA as Jim has records of Tim’s finances.
We still don’t know how his brother’s case fell through the cracks. We know that AEP acknowledges his brother is alive but his brother needs to complete more paperwork.
“When I called and confirmed all eight pages were there, they then waited a month to tell me there was a page missing? what happened to that one page, in those thirty days?”, said Jim Beard.
The nearly six-month battle to prove his brother is alive is nearly over but Jim Beard says, without perfect record keeping, it would be nearly impossible to prove his case. He keeps meticulous records in a three-ringed binder to back up his claims that, his brother is not dead.