MINEOLA, N.Y. (AP) _ A Long Island man was accused of inventing a brother to reap life insurance benefits, and later, of posing as his own father to get a $1 million mortgage on a 27-room house.

Schloime Dachowitz, 55, was arrested Wednesday and pleaded innocent to charges including grand larceny, forgery and first-degree insurance fraud, which is punishable by up to 25 years in prison.

Dachowitz took out a life insurance policy under the name Malke Dachowitz in 1989 and altered records including birth, school and lab reports to create a brother, prosecutor Denis Dillon said.

Four years later, Dachowitz filed a claim saying the insured man was dying of AIDS, Dillon said.

Payment was stopped when Dachowitz failed to provide the company with additional information about the brother.

In February 1995, Dachowitz sought $1.3 million in life insurance benefits, claiming his brother died in Israel. The insurer turned to the prosecutor's office for help and investigators found that he received a $1 million mortgage in 1996 by posing as his father, Dillon said.