In an Oct. 1976 photo provided Wednesday by the Walworth family, Marvin Schur is shown with his wife, Marian. Schur froze to death inside his Bay City, Mich., home just days after the municipal power company restricted his use of electricity because of unpaid bills.

Bay City, Mich. ? When neighbors went inside Marvin Schur’s house, the windows were frosted over, icicles hung from a faucet, and the 93-year-old World War II veteran lay dead on the bedroom floor in a winter jacket over four layers of clothing.

He froze to death — slowly and painfully, authorities say — days after the electric company installed a power-limiting device because of more than $1,000 in unpaid bills.

The old man’s sad end two weeks ago has led to outrage, soul-searching and a resolve never to let something like this happen again.

“There’s got to be a way in today’s computer age they can find out if someone’s over a certain age,” said Chad Sepos, 37, a copy machine installer who lives a block away in this Lake Huron city of 34,000 people, about 90 miles from Detroit. “It’s just sad.”

One of the saddest things of all was that Schur appeared to have plenty of money, and, in fact, one of the neighbors who entered the home reported seeing cash clipped to a pile of bills on the kitchen table. Schur’s nephew suggested the old man’s mind may have been slipping.

Schur, or “Mutts,” was a retired foundry worker who lived alone, his wife having died a couple of years ago. The couple had no children. He could often be seen through the big front window of his comfortably furnished home of 50 or 60 years, watching TV or keeping an eye on his neighborhood.

On Jan. 13, a worker with the city-owned utility installed a “limiter” on Schur’s electric meter after four months of unpaid bills. The device restricts power and blows like a fuse if usage rises past a set level. Electricity is not restored until the device is flipped back on by the homeowner, who must walk outside to the meter.

Bay City Electric Light & Power did not contact Schur face-to-face to notify him of the device and explain how it works, instead following its usual policy by leaving a note on the door. But neighbors said Schur rarely, if ever, left the house in the cold.

At some point, the device evidently tripped and was not reset, authorities said. Schur’s home was heated by a gas furnace, not electricity, but some gas furnaces do not work properly if the power is out.

Neighbors discovered Schur’s body on Jan. 17 in his home, a yellow house with peeling paint. The outside temperature ranged from a high of 12 degrees to a low of minus 9 on Jan. 15, the day he was believed to have died. A heating pad was on his favorite armchair by the window. The oven door was open, perhaps to heat the place.

“The body has a tremendous fighting power for survival. He died a slow, painful death,” said Dr. Kanu Virani, who found frostbite on Schur’s foot when performing the autopsy. Investigators are trying to establish how long he was without electricity.

City officials are reviewing their procedures and in the meantime have suspended shutoffs and removed all limiters from homes after using the devices for 18 years.

The medical examiner is looking into whether Schur suffered from dementia, particularly after police found enough cash lying around in the home to cover his bills. His nephew William Walworth said Schur told him two years ago he had $600,000 in savings.

“It’s definitely not a situation where money is an issue. The issue has to do with the mental faculties you have and your ability to make good decisions,” said Walworth, 67, who lives in Ormond Beach, Fla.

“I think the utility’s policies are horrible and insane,” he added. “For 50 years he paid the bill on a regular basis and never had problems. If people would know who their customers are and take concern for their customers, maybe they’d go knock on the door and see if everything is OK.”