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There is no question that people with dementia related diseases will eventually develop a problem in regard to dealing with their daily finances. In my father’s case it was the first sign to me that something was very wrong.
Throughout the years it had always amazed me how he never needed to use a calculator. He could do complex math equations in his head like a bona fide mathematician. But suddenly I began to notice that he couldn’t even balance his checkbook correctly.
Complications in money managing are a common early sign of dementia. Trouble counting change, stacks of unopened bills or excessive purchases on credit card statements can tell the tale. Unfortunately, this may not be noticed until there is a large amount of debt already accumulated. This is due to their short-term memory loss.
Sadly, there are thousands of deceitful people just waiting for the chance to take advantage of those who are memory impaired. Telemarketers, charity scams, health care scams and even door-to-door solicitors can be absolutely brutal to anyone who becomes easy prey.
Things to be on the lookout for are large numbers of packages being delivered, sudden changes in their bank account balances and overdue bill notices.
One option may be to re-route their mail to a post office box so you, the caregiver, can have a firsthand look at what’s going on. But you may also find, as I did, that there is rarely any time to go and retrieve the mail.
Try switching out their credit cards with prepaid ones and only let them carry around small amounts of cash. With my father, I always tried to make sure he had some money in his pocket. This way it kept him feeling as if he still had some kind of independence. Although, he was always trying to pay someone for their services, even if he did not owe them a penny. This included Hospice nurses that came to the house. Well actually, most of the time he would just tell me to pay them.
Now, what if you find out that they have already accumulated a $10,000.00 credit card debt? Request a copy of a free credit report with their name on it. This will show you when these accounts were actually opened. If they are newer accounts that have been acquired after the symptoms of dementia have started, these accounts may not be valid. A person must be fully competent and in sound mind when signing a contract. Also check to see if they signed up for credit card insurance. This would be quite helpful in dealing with the pay-off.
Have their doctors write a letter stating that they are permanently cognitively impaired and approximately when their symptoms began. If they are residing in an adult care center, have the administration write a letter verifying that they are now under their care.
Take some comfort in knowing that Social Security funds cannot be garnished for credit card debt. However, pensions and personal savings are vulnerable.
If this all boils down to you having to appear in court on their behalf, you’ll want the judge to review these documents. And if you haven’t already consulted with an Elder Law Attorney, I suggest you do so right away. Whatever fees you have to pay the attorney will surely make up for the outcome if you don’t have the correct legal advice.
This is why it’s so important to have someone that’s trustworthy appointed as Durable Power of Attorney early on.
As the Power of Attorney, it is vital to get in that strict habit of placing P.O.A. at the end of your signature every single time you sign something on their behalf. This will protect you. Also, realize your rights as a P.O.A. will cease to exist the very moment they take their final breathe.
We must be ever diligent when seeking to protect our loved ones afflicted with this devastating disease. There truly are vultures perched on every corner just waiting for the right moment to swoop in!
It was a momentous occasion in Bradenton on May 1, 2025, as we welcomed a very special guest Ellie Hollander, President & CEO of Meals on Wheels America. Her visit was more than ceremonial; it was a heartfelt celebration of community, service, and the vital work being done across Florida to nourish and support our seniors.Ellie flew in from the Washington, D.C. area as the keynote speaker for the Meals on Wheels Florida annual conference, proudly hosted this year by Meals on Wheels PLUS of Manatee. Ellies schedule was packed, but that did not stop her from doing an interview with MySuncoast ABC-7 telling viewers how critical the meal program is to our homebound seniors. Next, Ellie hit the road and delivered meals to some of our senior clients and talked with our volunteers. Ellie also stopped by our Friendship Dining Center program, and participated in a music game the clients love.The Members of the Florida Chapter of Meals on Wheels America named Maribeth Phillips, our President & CEO, as their Board President earlier this year. Maribeth invited Ellie to attend and kickoff the conference. Ellie shared valuable insights with the members in attendance, and her words reenergized the room!The conference included meal providers from across the state, with over 20 different organizations attending. Attendees also heard from Bob Blancato, Executive Director of NANASP, also from Washington, D.C.; Bradenton Police Detective, Jim Curulla on senior scams; Sandra Tapfumaneyi, Chief of Emergency Management Sarasota; Louise Gallagher on Senior Mental Health; and Jennifer Huber from FPL. Chef2Home provided a delicious breakfast and lunch.We are proud to be part of the national network of Meals on Wheels America and grateful to be a part of the state-wide chapter, Meals on Wheels Florida, both working every day to ensure no senior goes hungry.
As summer approaches, many children in our community are looking forward to sunshine, fun, and time with friends. But for far too many, summer brings something else-hunger.When school cafeterias close for the summer, thousands of local children lose access to the nutritious meals they depend on. Families already struggling to make ends meet are faced with even more pressure. The emotional toll is real. No parent should have to worry if they can feed their child, and no child should go to bed with an empty stomach.At The Food Bank of Manatee, we are stepping up to meet the need. We partner with over 100 local food pantries across Manatee County to reach the families who need us mostbut we cant do it alone.This summer, our goal is to provide: 22,500 meals each week across the 9-week summer break. Thats more than 200,000 meals for children and familiesand every dollar makes a difference.Just $15 provides 10 meals; $30 provides 20 meals; a gift of $150 will provide 100 meals!We know that many in our community want to make a difference. With your support, we can ensure no child goes hungry during the summer months.Please consider making a gift today and sharing this message with others who want to help too. A link to our page is below. A $25,000 Matching Gift to feed children this summer has been offered by an anonymous fund at Manatee Community Foundation. Gifts will be matched $1 for $1 up to $25,000.The Food Bank of Manatee is the only food bank based in our county. We anticipate continued need as families look for nutritional support. Your help matters now more than ever! Please give today!Together, we can bring relief, peace of mind, and full bellies to those who need it most.
On Monday, April 7, 2025, we had the joy and honor of hosting our annual Volunteer Luncheon, a heartfelt celebration dedicated to the incredible individuals who make our mission possible each and every day. Held in a spirit of gratitude and community, the event brought together volunteers with over 100 hours of service for a beautiful luncheon provided by Metz Chef 2 Home. The highlight of the event was the presentation of awards to several outstanding volunteers who have gone above and beyond in their service. From delivering meals with a smile to lending a helping hand wherever needed, these volunteers embody the true spirit of giving.The 2025 award recipients included:Champions Circle: Ten Years of ServiceDan WilhelmChampions Circle: 300+ Hours of ServiceTerri HillChampions Circle: 300+ Hours of ServicePat McDonaldOutstanding Food Bank Volunteer: Terri HillOutstanding Volunteer Ambassador: Veronica Brandon-MillerOutstanding Youth Volunteer: Jonathan MaassenMost Generous Group Ambassador: Lakewood Ranch Elks LodgeOutstanding Volunteer Group: First WatchOutstanding Administrative Volunteer: Barbara BrownOutstanding Friendship Dining Center Volunteer: Pam O ConnorOutstanding Car Loader: Charlie GunnOutstanding Warehouse Volunteer: Lana PaulRookies of the Year: Jeff and Christy MohlerOutstanding Daybreak Adult Day Center Volunteer: Larry BreidenbachOutstanding Telephone Reassurance Volunteer: Reina HuertaVolunteer of the Year: Terri HillTo every volunteer who gives their time and heartthank you. Our Volunteers are the reason we are able to serve our neighbors in need with care, dignity, and hope. We look forward to another year of making a difference together.
Arden Courts provides a safe and pleasing home for individuals with memory loss, including enclosed courtyards and a backyard with walking paths. We are a residential living alternative designed for individuals diagnosed with Alzheimer's disease and other types of memory impairments. We offer the services traditionally associated with an assisted living residence, while taking into account the special needs of individuals with memory loss including safety, building layout, activities and dietary needs.