Thursday, August 6, 2020
Monday, August 3, 2020
Bank Fraud
I committed bank fraud. Maybe.
Background: My health insurance is through my state retirement account. It includes medical, dental, and vision. The state is extremely slow in paying the dental claims. I, therefore, pay the dental charges myself at time of service -- 5% savings! -- and then the state reimburses me. Right now the state is more than 18 months late in making the reimbursements.
A couple weeks ago I received the reimbursement check for January 2019. It included a separate check for interest, too. One day last week I was cleaning off the table and found an unopened envelope from the dental insurance provider. Turns out it contained the reimbursement check (and interest) for July 2018. The checks were dated November and included a notation "void after 90 days." Well, this is now well passed six months so they were no longer valid. I was not happy .... with myself for not having opened the envelope when I received it .... and with the state for taking so long to send it that I did not recognize what it was.
Today when I did my monthly banking business I deposited the checks -- the ones that I received two weeks ago AND the ones that I received over six months ago. I figured I would just play ignorant: "Oh, I had no idea it said void after 90 days. Is it really over 90 days old?" Turns out the checks were all deposited.
Now, I'm wondering: If the state declines paying on them, will I have to refund the money?
Background: My health insurance is through my state retirement account. It includes medical, dental, and vision. The state is extremely slow in paying the dental claims. I, therefore, pay the dental charges myself at time of service -- 5% savings! -- and then the state reimburses me. Right now the state is more than 18 months late in making the reimbursements.
A couple weeks ago I received the reimbursement check for January 2019. It included a separate check for interest, too. One day last week I was cleaning off the table and found an unopened envelope from the dental insurance provider. Turns out it contained the reimbursement check (and interest) for July 2018. The checks were dated November and included a notation "void after 90 days." Well, this is now well passed six months so they were no longer valid. I was not happy .... with myself for not having opened the envelope when I received it .... and with the state for taking so long to send it that I did not recognize what it was.
Today when I did my monthly banking business I deposited the checks -- the ones that I received two weeks ago AND the ones that I received over six months ago. I figured I would just play ignorant: "Oh, I had no idea it said void after 90 days. Is it really over 90 days old?" Turns out the checks were all deposited.
Now, I'm wondering: If the state declines paying on them, will I have to refund the money?
Subscribe to:
Posts (Atom)