Broken Trust: Responding to Elder Financial Abuse

Active caregivers dont let living a long distance away and other obstacles stand in the way of keeping their senior loved ones safe and secure. However, they do need to come up with strategies to manage their roles and prevent problems such as neglect. Continue reading to learn what to look for as a long-distance family caregiver to spot elder abuse from afar.  BedsoresThese pressure sores are one of the most common signs of neglect. Theyre often due to improper medical care and lack of assistance. Seniors who live sedentary lifestyles or are left in their beds or wheelchairs for most of the day can develop bedsores. The unrelieved pressure on the skin is what causes the sores, and they increase the risk of infections and life-threatening illnesses. Ask your siblings and trusted family members who live nearby to make unplanned visits to your loved ones home to check for bedsores and other signs of elder abuse. For many seniors in Naples, FL, live-in care is an essential component of aging in place safely and comfortably. However, its important for them to have caregivers they can trust and rely on. At Assisting Hands Home Care, we extensively screen all of our caregivers and only hire those who have experience in the senior home care industry. Our strict requirements ensure seniors can remain in the comfort of home with a reduced risk of injury or serious illness. Unexplained Changes in Spending HabitsIts common for seniors to make individual purchases from time to time, such as buying a handbag or splurging on a bigger television or new smartphone. However, regular changes in spending habits could be a sign of elder abuse. Some family members and friends could pressure your loved one to purchase items for them and their children or cover the costs of their rent, utility bills, or college tuition. Monitor your loved ones spending habits from afar. You may need to press charges against the person whos exploiting your parents finances to prevent it from happening again.  Poorly Groomed AppearanceDirty hair and clothing could be a warning sign your parent isnt properly groomed. Maintaining good hygiene can reduce the risk of infections and various diseases. Taking regular baths, washing his or her hair, and putting on clean clothes could also boost your loved ones mental and emotional health. Your loved ones shirts, pants, and accessories should fit properly. Wearing too little clothing could cause discomfort and other health issues. One of the most challenging tasks of helping an elderly relative age in place safely and comfortably is researching agencies that provide elderly home care. Turn to Assisting Hands Home Care for reliable, high-quality in-home care for aging adults. We offer 24-hour care for seniors who require extensive assistance, and we also offer respite care for family caregivers who need a break from their caregiving duties. IsolationIf your parent is withdrawing from family and friends who live nearby or not answering your phone calls, he or she could be experiencing elder abuse. Your loved ones primary caregiver should give you daily reports and encourage your loved one to answer your calls and attend social outings with others, as these are things that can prevent neglect and abuse. If your loved one is living with another family member and not answering your phone calls, have a wellness check performed by local authorities. It would also be a good idea if you considered moving your loved one in with you or another trusted family member to prevent isolation and neglect. If you have a senior loved one who needs help maintaining a high quality of life while aging in place, reach out to Assisting Hands Home Care, a leading provider of home care Naples families can rely on. All of our caregivers are bonded, licensed, and insured, there are no hidden fees, and we never ask our clients to sign long-term contracts. Call one of our dedicated Care Managers today to learn about the high quality of our in-home care services.

PaperworkPaperworkWhat Should I keep? Sorting through the paperwork of a deceased loved one is a daunting task. It is important to know what to keep and what to discard. Here are some helpful tips.  Deeds, Titles and Vehicle RegistrationsDeeds and titles to property may not be obvious on the face of the document so it is important to read everything carefully. Keep anything that has a legal description (Lots and Blocks or Metes and Bounds), a vehicle identification number (VIN), contains the word title, deed of trust or warranty deed.  ReceiptsSome property does not have a title such as a tractor, farm equipment or certain recreational equipment. In such cases, keep the purchase receipts for this type of property. It will be useful if there is a question about ownership, the value of the property or the date it was purchased.  Bank RecordsSave all bank records and statements. These will be valuable if a dispute arises about ownership of an account, payments or distributions made from the account and to whom. Shred unused checks.  Retirement AccountsSave all statements and records pertaining to the decedents individual retirement accounts (IRAs), 401(k) plans or pension plans.  Life Insurance PoliciesSave all life insurance policies.  Social Security Paperwork and Earning StatementsSave information about the decedents Social Security account or earning statements.  Cancel the Decedents Credit Card Accounts Nowadays, identity theft is a huge issue. Contact Experian, Equifax and TransUnion to report the death of your loved one. Request the credit report be flagged as Deceased. Being proactive prevents a lot of hassle later on.  Cancel all credit cards in the deceased persons name. Also, there may be questions about the credit card purchase of certain items or property. Save credit card statements until probate of the decedents estate is complete.  Documents that contain the decedents Social Security NumberIf you find any documents with the decedents Social Security Number and you make a determination that the documents are not going to be saved, make sure it all gets shredded.  Tax RecordsKeep the decedents tax records. There may be a question about real property valuation, exemption or other issues that can be resolved by information in a tax return.   Loan PaperworkKeep all loan paperwork including loans on property or a loan the decedent made to a relative, friend, individual or organization. This may show that there is outstanding debt or money owed to the decedents estate.  Business AgreementsSometimes people have business agreements that have been documented in writing. Such agreements may contain a succession plan, what should happen with business equipment or property, or what should happen upon the death of a business partner.  Military RecordsSave all military records just in case there are benefits owed to a survivor such as a spouse, dependent child or disabled child. Some benefits are dependent upon verification of military service during war time which occurred prior to the advent of computer records. This includes photographs taken during wartime.  Birth and Marriage CertificatesSave all birth and marriage certificates. Again, for certain benefits for survivors, such certificates may be needed.  Timeframe for Keeping PaperworkIt is advisable to keep these potentially important documents until the estate of the decedent is settled, at a minimum. Otherwise keep them at least seven years and longer if possible, especially if real estate is involved.  Contact Your AttorneyYour attorney will ask you pertinent questions and give you advice about what records to keep.  You should also review your own estate plan documents to make sure they are up to date and reflect your current wishes.  This article was written by Donna A. Schuyler, Attorney, who practices in the areas of estate planning, elder law, guardianship, and probate. Donna Schuyler Law, PLLC; elderlawboise.com. Phone 208-344-1947

Elder financial abuse occurs when someone illegally or improperly appropriates money or belongings from an older person for their own personal use. While this financial exploitation takes many forms, including online scams, according to the National Adult Protective Services Association (NAPSA) the vast majority of reports involve perpetrators who are related to or in a trusting relationship with the victim.NAPSA reports financial abuse of elders is costing older Americans and their families billions every year, though occurrences are thought to be grossly underestimated, with only 1 in 44 elder financial abuse cases even reported. This suggests were only seeing the tip of the iceberg when it comes to the actual devastation older adults and their families are experiencing the wake of abuse. So why are the majority of cases going unreported? The abuser is a trusted family member or caregiver Even if the victim becomes aware of the abuse, choosing to pursue a case against a loved one may be an impossible and heartbreaking decision for many older adults, especially if they are dependent on the abuser in some way. Many abusers have provided some form of assistance or caregiving to the older adult and can convincingly argue they are owed compensation, while the truth is they have abused the victims trust for personal financial gain, with little regard for the victim. The abuse takes place little by little over time Financial abuse often occurs over months or years. It can be a slow, steady process of siphoning off small amounts at a time through check requests, bank withdrawals, wire transfers, recurring credit card payments, etc. The perpetrators are methodical and measured. They dont ask for or take amounts significant enough to trigger suspicion in financial institutions or be questioned by family members or friends of the victim. Unfortunately, by the time the abuse is discovered, there may be little chance of reversing the financial damage. Shame and fear As with many acts of abuse, the victim may feel a great deal of shame. If taken advantage of, older adults often worry that relatives will feel they can no longer take care of their own financial affairs. With financial exploitation there is often an illusion of consent on the part of the victim, but its propped up by manipulation, deception, or blatant misinformation. Despite this, the victim may fear they will be seen as mentally unfit for allowing themselves to be exploited and that reporting the abuse will lead to a loss of independence or autonomy. They dont know how or where to report the abuse to In the wake of a financial violation, finding resources can be an overwhelming task, further complicated by a lack of trust because of the abuse. But reporting financial abuse is imperative to gain knowledge of how abusers operate and to understand the full scope of the damage they cause in order to enact the measures necessary to break the cycle.If you think you or a loved one is a victim of elder financial abuse, contact these trusted organizations to find resources and file a report:justice.gov/elderjustice National Elder Fraud Hotline: 1-8333728311The Minnesota Adult Abuse Reporting Center 1-844-880-1574elderjusticemn.org 651-440-9312