RDFIs should make certain that their processing of government Reclamations is carefully controlled and monitored, and that all employees responsible for handling Reclamations are thoroughly familiar with the rules and procedures.

• As soon as any RDFI employee learns of a death, he/she must immediately pass the information to RDFI employees responsible for handling federal benefit payments. The RDFI has one business day to act on such information.
• Notify all paying benefit agencies of the death.
• Return immediately, by ACH, any subsequent post-death benefit payments to the Government Disbursing Office.
• Respond to the Notice of Reclamation accurately, completely, and promptly.
• Anything an RDFI can do to learn of the death of recipients sooner will help to minimize the chances of a debit action.

Note: ACH Return Reason Code R15 constitutes proper notification to the Federal Agency.

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