Example 2: Four payments of $200 each were received after death. Three of the payments were received before the RDFI had actual or constructive knowledge of the death.¹ The 4th payment was received by the RDFI after it had received a DNE and the RDFI promptly returned the payment using an R15 return reason code.² The 1st and 2nd payments were received within 45 days following the date of death (4th payment will not be listed on the Notice of Reclamation since it was promptly returned by the RDFI).

1 RDFI had no actual or constructive knowledge of the death at the time of deposit or withdrawal of any post-death benefit payments.

2 RDFI returns all post-death benefit payments it receives after it learns of the death.

3 RDFI accurately responds to the Notice of Reclamation so that the appropriate amount is received by the Government Disbursing Office within 60 days of the date on the Notice.

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