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Budsey’s policy excluded caretaker work provided by a spouse, the complaint said. “The surveillance confirmed that Budsey did not receive care and he did not need it,” the suit said. “The surveillance also confirmed that Budsey and Gubow are living together as husband and wife. Upon information and belief, this is because they have been married for all or substantially all of the period of Budsey’s claim for benefits.” During a January 2019 assessment, Budsey, now 60, site here had continued to tell Transamerica officials he needed a wheelchair and walker, as well as a urinal/bedpan. Suspicious about the authenticity of Budsey’s purported situation, Transamerica in early 2019 began looking into his activities, starting with a social media check. “To Transamerica’s surprise, this check led to Transamerica’s discovery of photographs of Budsey and his daughter hiking together in the wilderness on or about August 20, 2017 — i.e., during a time period when Defendants represented that Budsey was receiving care in the home 24/7, needed a walker and could not so much as set foot outside the home without hands-on assistance from Gubow,” the suit said. The investigation led Transamerica authorities to discover Budsey’s driving history included drinking-and-driving related charges and a license suspension. That prompted the company to begin surveillance of his behavior in July 2019. “He was active in the community alone on multiple dates, transferring in and out of a car, driving the car (both by himself and, at other times, chauffeuring Gubow), reaching and bending, shopping for groceries, and lifting heavy objects including a steel bicycle rack, among many other movements and tasks directly analogous to the ADLs Defendants claimed he was unable to perform,” the suit said. Investigators also snapped a photo of Gubow skiing, which conflicted with a time when she was supposed to have been caretaking Budsey, according to the suit. There were other incidences in 2020 that led Transamerica to believe Budsey and Gubow were gaming the system.

https://www.aspentimes.com/news/insurance-firm-accuses-aspen-man-and-woman-of-700000-caretaker-scheme/

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