Getty Images; Tyler Le/BI
I recently received a letter from my health insurance. They said they had sent me a $50 (paper) check and noticed I never cashed it. Had I not received it? I was excited. I had not received my check! How nice of them to make sure I'd get the money I was owed!
Then I read the bottom of the letter: If I wanted them to send a new check, I needed to fill out the enclosed form










