Avoiding Senior Scams
Golden Lodge Assisted Living and Memory Care
Feb 09, 2022
Colorado - Boulder County
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Recognize and discuss some of the most common scams
People prey on seniors because they are likely to have savings or pensions and also because they may be unsophisticated in their use of technology. They may be lonely, trusting, or simply used to a culture of helping people in need a kindness that is often exploited. Read on for six of the most common scams and how to avoid them:
PHONE SCAMS
These are the most common scams used against the elderly, mainly because seniors are comfortable using the phone. In fact, seniors also make twice as many purchases on the phone as the general population. Solicitors may claim to be collecting money after a natural disaster or may claim to be a grandchild in jail or in hospital and in need of money.
What to do: Remind your loved one never to give credit card numbers or information over the phone. If they want to make a donation, help them seek out a legitimate charity and contact it themselves. Practice having them say, That sounds interesting, but I will look into it myself. Goodbye. Enroll your relatives number on the Do Not Call Registry. Make sure that your relative has caller ID and voicemail. This way, they can screen their calls, weed out unfamiliar numbers, but not miss any legitimate messages.
INTERNET SCAMS
These are easy to fall for, no matter what your age. Scammers may send threatening emails saying that your relatives computer has been hacked or making frightening demands from the IRS. They may offer counterfeit prescription drugs or send begging letters designed to tug at generous older adults heartstrings. They may phish, spoof, or try to extort money, clicks, and information a thousand different ways.
What to do:Obviously, you dont want to create a crippling distrust in your loved ones that makes them avoid the computer completely, but you can try to create enough suspicion in their online behavior that they doubt and verify everything. The magic adage here isif in doubt, dont click! Explain that the IRS never sends emails asking for information, that individuals desperate for money wouldnt logically choose them to specifically send a begging email to, that nobody legitimate is going to ask to take over their computer to fix a nonexistent virus, and that misspelled words, grammatical errors, and close-but-not-quite URLs are all warning signs.
FUNERAL/CEMETERY SCAMS
One scam is for a stranger to approach a grieving widow or widower and claim that the recently departed owed money. Another way seniors can lose money is to be upsold expensive and unnecessary caskets or burial plots just as they are reeling from a tragedy and not thinking clearly.
What to do: Insist on proof of any claims made. Creditors do NOT attend funerals to demand money. Although planning of this nature can be difficult, it is necessary: plan ahead. With a firm plan in place, logic is more likely to win out over raw emotion.
INVESTMENT SCHEMES
Seniors often have retirement accounts or savings, which makes them a prime target for disreputable financial advisors, get-rich-quick schemes, or Ponzi schemes. Take the time to explain this to your loved one.
What to do:Make sure that your loved one does not respond to unsolicited offers. Help them find a reputable financial advisor; this involves research, checking credentials, and making sure that the advisor is a fiduciary. As far as get-rich-quick schemes go, remind your relatives what they told you all those years ago: if it seems too good to be true, it most definitely is!
MEDICARE SCAMS
Scam artists often pose as Medicare representatives and ask for information that they will then use to file fraudulent claims on behalf of your relative.
What to do:If your loved one has a Medicare question or problem, they should contact them directly. Legitimate Medicare representatives will not ask for the information they already have.
REAL ESTATE SCAMS
It may be tempting for your loved ones to believe the claims of an entity touting the advantages of a reverse mortgage or the superiority of quickly selling their house for cash. This is especially true of those who are planning to go into senior care housing and are looking for financial solutions.
What to do: This comes down to research again, not to mention the old If it sounds too good to be true warning. Golden Lodge is experienced with unsavory scams targeting seniors and has researched funding sources for senior care and housing. You and your loved ones are not alone as you navigate your way through the sea of scams.
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Fraud Checklist: What to Do if Youve Been Scammed
You thought this could never happen to you or your aging loved one: the heartbreaking loss of a hard-earned life savings as a result of a scam.But the growing incidence of older adult fraud is putting many in harms way. Its important to know how to move forward if fraud does occur.Steps to Take if You or Someone You Know is Scammed Close your accounts. If you notice any accounts under your name or that of an aging loved one that have been tampered with or opened without consent, close them immediately. Contact the police. File a report with your local police department. If the theft did not take place in your area, file a report with the police from the area where you believe the theft took place. Get a copy of the police report. You may need that documentation to support your claims to credit bureaus, creditors, debt collectors or other companies. If you are unable to obtain a copy of the police report, be sure to get the report number. Eliminate fraudulent new accounts. If a new account has been opened without you or your aging loved ones knowledge and consent, ask the company with which the account has been opened if it has a fraud department. Initiate a fraud alert. Place a fraud alert on the credit file that has been compromised as well as review the credit report. This will prevent a thief from opening any more accounts in you or your loved ones name. You should contact the major credit bureaus. If you place a fraud alert with one credit bureau, that credit bureau is required by law to contact the other bureaus. Follow-up. After a fraud alert is included in the credit history, you or your aging loved one is entitled to receive a free copy of his or her credit report from each of the credit bureaus. Important Documents for Victims of ScamsThe following are important documents to keep on hand if youve been scammed. If your aging loved one won't be able to keep the originals of some of these important documents, it is important that you make a copy. Police report Identity Theft Affidavit Bills with fraudulent charges Documentation of accounts opened in your name without your consent Copies of letters sent to credit bureaus and creditors Credit bureau contact information: Equifax- 800-525-6285 Experian- 888-397-3742 Transunion 800-680-7289 (U.S.) 800-663-9980 (Canada) If you or your loved one is a victim of fraud, acting quickly is key. Begin working through the fraud checklist above as soon as possible to help minimize the damage.
About Dignity Care
Dignity Care is a homegrown business in Boulder.In the 1990s, Mary Kirk, a registered dietitian, began caregiving for family and relatives. Her husband, Ged, offered a companion travel service for the elderly and disabled. Together they established Dignity Care, LLC in 1997 as a home care business with just two caregivers and a home office.As demand for home care service increased, Mary recruited additional caregivers, but always with an emphasis on the compassionate, respectful, personalized care that was Dignity Cares trademark. Mary created her own approach to senior home care, unique in this area.With this dedication and passion to provide the best caregivers in the Boulder County region, Dignity Care has continued to grow and in 2009 became licensed as a Class A home care provider. We specialize in using Certified Nursing Assistants on our teams so we can bring you the skill and experience you deserve, if you have any questions, please call us at 303-444-4040.
In Home Care Helps Seniors with Depression
Too many seniors grapple with isolation and depression, but these are not a normal part of growing older. They are treatable medical illnesses, much like heart disease or diabetes. Depression is a serious illness affecting approximately 15 out of every 100 adults over age 65 in the United States.Seniors experiencing feelings of depression and isolation have a higher risk of hospital admissions, as well as a higher risk for being scammed. Not to mention it makes for a miserable life.So, what can you do? Helping seniors stay healthy means more than ensuring they get good physical care. Individuals living alone miss out on the stimulation of interactions with others on a regular basis. Our caregivers serve that dual purpose of providing physical care and social connection. We enjoy our clients, building a relationship with them, and sharing the highs and lows of their days. Caregivers can laugh with their clients and be an empathetic ear. We make sure our clients are getting out of the house and attending events and activities that interest them.Hiring a caregiver to help out, even for a couple of hours each week, brings conversation and spark along with the physical help. Caregivers are a good antidote for depression. If you have any questions, please call us at 303-444-4040.
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Golden Lodge Assisted Living and Memory Care
Memory Care 1111 Newstar Way, Golden, Colorado, 80403Golden Lodge Assisted Living & Memory Care, located in the heart of Golden, Colorado, is a locally owned and operated senior living community dedicated to providing exceptional memory care services. Our mission is to enhance the lives of residents with Alzheimer's disease and other forms of dementia through a compassionate, whole-person approach that addresses physical, emotional, and social needs.Comprehensive Memory Care ServicesAt Golden Lodge, we understand the challenges faced by individuals with memory impairments and their families. Our memory care program is designed to provide a safe, nurturing environment where residents can thrive. We offer three secured neighborhoods, each thoughtfully designed to promote familiarity and comfort, encompassing a total of 36 private studio apartments. These intimate settings foster a family-like atmosphere, encouraging social interaction and a sense of community among residents.Secure and Inviting EnvironmentSafety is a top priority at Golden Lodge. Our secured neighborhoods ensure that residents can move freely within a protected environment, reducing the risks associated with memory loss conditions. Each neighborhood features access to a secured courtyard, allowing residents to enjoy the outdoors, engage in gardening, or simply relax in a tranquil setting. These outdoor spaces are designed to be both stimulating and secure, promoting physical activity and a connection with nature.Expert Care Team Available 24/7Our community is overseen by an experienced Director of Care Staff who leads a team of dedicated professionals trained specifically in dementia care. Staff members are on-site 24 hours a day, seven days a week, providing continuous support and supervision. Their specialized training equips them to handle the unique challenges associated with memory loss, ensuring that each resident receives personalized care tailored to their individual needs.Whole-Person Approach to CareWe believe in a holistic approach to memory care that goes beyond addressing cognitive decline. Our programs are designed to engage residents in meaningful activities that stimulate the mind, body, and spirit. Daily schedules include a variety of therapeutic activities such as music therapy, art classes, and gentle exercise programs, all aimed at enhancing quality of life and maintaining functional abilities. Social events and group activities are also integral parts of our program, fostering a sense of belonging and community.Nutritious Dining and Wellness ProgramsProper nutrition plays a crucial role in overall well-being, especially for individuals with memory impairments. Our culinary team prepares nutritious, chef-crafted meals served in a restaurant-style dining room. Menus are designed to cater to the dietary needs and preferences of our residents, ensuring they receive balanced meals that support their health. Additionally, snacks are available throughout the day to accommodate varying appetites and routines.Family Involvement and SupportWe recognize the importance of family involvement in the care and well-being of our residents. Golden Lodge encourages family members to participate in care planning and to engage in community events. We offer educational resources and support groups to assist families in understanding dementia and coping with its challenges. Our goal is to create a partnership with families, providing them with peace of mind knowing their loved ones are in compassionate and capable hands.Amenities Designed for Comfort and EngagementGolden Lodge offers a range of amenities to enhance the living experience of our residents:Restaurant-Style Dining Room and Outdoor Dining Area: Residents enjoy meals in a communal setting that promotes social interaction, with the option to dine outdoors and take in the beautiful surroundings.Library: A quiet space filled with a variety of books and reading materials to cater to diverse interests.Beauty Salon/Barbershop: On-site services to help residents look and feel their best without the need to leave the community.Gaming and Entertainment Room: A space dedicated to games and entertainment, encouraging socialization and cognitive engagement.Movie Theater: Regular screenings of classic and contemporary films provide entertainment and a sense of nostalgia.Exercise and Therapy Spaces: Equipped with fitness equipment and staffed by fitness professionals, these areas support physical health and mobility.Activity Rooms: Spaces designated for classes, seminars, and various group activities that promote lifelong learning and engagement.Courtyards and Walking Paths: Beautifully landscaped outdoor areas with walking paths, a greenhouse, and gardens offer residents the opportunity to enjoy nature safely.Scenic Location with Mountain ViewsNestled in Golden, Colorado, our community boasts stunning views of the foothills, providing a serene backdrop for our residents. The peaceful atmosphere and fresh mountain air contribute to a calming environment that is conducive to well-being and relaxation.Commitment to ExcellenceAt Golden Lodge Assisted Living & Memory Care, we are committed to providing the highest quality of care for individuals with memory impairments. Our dedicated team, comprehensive programs, and thoughtfully designed environment work together to create a supportive community where residents can live with dignity and purpose. We continually strive to enhance our services and amenities to meet the evolving needs of our residents and their families.For more information or to schedule a tour of our memory care community, please visit our website at www.goldenlodgeassisted.com or contact us directly at 720-605-2111. We look forward to welcoming you to Golden Lodge Assisted Living & Memory Care, where compassionate care and a vibrant community await.
Golden Lodge Assisted Living and Memory Care
Assisted Living 1111 Newstar Way, Golden, Colorado, 80403Nestled at the base of the picturesque foothills, Golden Lodge Assisted Living and Memory Care offers an exceptional senior living experience that prioritizes comfort, security, and personalized care. Our assisted living community is designed to provide seniors with the perfect balance of independence and support, allowing them to enjoy a fulfilling and active lifestyle while receiving the assistance they need.Exceptional Assisted Living ServicesAt Golden Lodge, we understand that every individual has unique needs and preferences. Our assisted living facility offers customized care plans tailored to support residents with daily activities such as bathing, dressing, medication management, and mobility assistance. Our compassionate and professional caregivers are available 24/7, ensuring that each resident receives the right level of support while maintaining their dignity and independence.A Warm and Inviting CommunityGolden Lodge is more than just a place to liveits a place to call home. Our welcoming community fosters social engagement, personal growth, and overall well-being. Residents can enjoy spacious private apartments, beautifully designed common areas, and a wide range of amenities that create a comfortable and enriching environment.Comprehensive Wellness ProgramsWe believe in a holistic approach to senior care. Our wellness programs promote physical, mental, and emotional well-being, helping residents maintain an active and healthy lifestyle. Some of our programs include:Fitness classes designed for seniors to improve strength, balance, and flexibilitySocial and recreational activities to encourage meaningful connections and engagementCognitive and memory-enhancing activities for mental stimulationSpiritual and emotional support through meditation, faith-based services, and counselingGourmet Dining & NutritionAt Golden Lodge, we know that nutrition plays a vital role in overall health. Our culinary team prepares delicious, nutritionally balanced meals using fresh, high-quality ingredients. Residents enjoy a variety of menu options tailored to their dietary needs and preferences, all served in a beautiful dining setting that encourages social interaction and enjoyment.Safety, Security, and Peace of MindSafety is a top priority at Golden Lodge. Our community is equipped with state-of-the-art security systems, emergency response protocols, and on-site medical support to ensure residents and their families have peace of mind. With 24-hour staff availability, assistance is always just a call away. Our well-trained caregivers and healthcare professionals provide medication reminders, routine health monitoring, and coordination with medical providers to support residents well-being.Engaging Lifestyle & Social ActivitiesA vibrant and active lifestyle is a key part of our assisted living philosophy. Golden Lodge offers a variety of daily activities and events that cater to residents interests and hobbies. Our activities calendar includes:Art and music therapyEducational lectures and book clubsCommunity outings and scenic drivesGardening and outdoor activitiesGame nights, movie screenings, and social eventsPet-Friendly EnvironmentWe understand the joy that pets bring into our lives, which is why Golden Lodge is a pet-friendly assisted living community. Residents can enjoy the companionship of their furry friends, contributing to their emotional well-being and happiness.Family Involvement & SupportAt Golden Lodge, we believe in fostering strong connections between residents and their families. We encourage family involvement through regular events, celebrations, and open communication with our caregiving team. Our goal is to create a supportive environment where families feel informed and confident about their loved ones care.Golden Lodge Assisted Living and Memory Care is committed to providing exceptional senior care with a focus on comfort, dignity, and quality of life. Our team of dedicated professionals works tirelessly to ensure that each resident receives the best possible care while enjoying a fulfilling and independent lifestyle. When you choose Golden Lodge, you are choosing:A beautiful and peaceful setting at the base of the foothillsPersonalized care plans tailored to individual needsA warm and inviting community that feels like homeComprehensive wellness programs for a healthier lifestyleEngaging activities and social opportunities for personal enrichmentA secure and supportive environment with 24-hour assistanceWe invite you to experience the Golden Lodge difference and discover why so many seniors and their families trust us for quality assisted living services. Schedule a tour today and see firsthand how our compassionate team and vibrant community can enhance your loved ones life.Contact us today to learn more about Golden Lodge Assisted Living and Memory Care!