Fight Identity Theft and Fraud

Author

Aarp Healthcare Services

Posted on

Oct 19, 2015

Book/Edition

Texas - Dallas, Collin, SE Denton & Rockwall Counties

Every two seconds in this country, someone's identity is being stolen. Crooks often combine sophisticated technology with age-old tricks to get people to send money or give out personal information.
Knowing popular scams, and following expert advice, can help individuals stay safe from identity thieves and other fraudsters. The AARP Fraud Watch Network helps by tracking some of the scams.

The Fraud Watch Network monitors a common fraud that involves scammers approaching victims and pretending to be a company that's announcing a sweepstakes or prize winner. They try to convince their victims to send cash, write checks or wire money. It's important to know that legitimate sweepstakes are always free; winning is by chance, and you should never pay any fees to claim a prize.

Imposter scams also are common. Someone might call pretending to be a police officer, federal agent or your bank and try to persuade you to pay a bill that doesn't exist or reveal personal information. They work to persuade people to pay a bill that isn't legitimate. But real federal agents, like the IRS, will never contact you through the phone or email to demand immediate payment. All official correspondence will come by mail.
Another fraud involves impersonation of a family member in distress. Scammers pretend to be a grandchild stranded while traveling or in need of money to get out of trouble. If this happens, the right response is to ask the caller unique questions that only a family member would know how to answer. Also, check the story with other family members before sending money.

Types of identity theft vary widely and can involve approaches like someone using a stolen credit card number to go on a shopping spree to using someone else's Social Security number to file a fraudulent tax return.
To minimize your exposure to identify theft, be sure to: shred all documents that contain personal information; check financial accounts regularly for unusual activity; and avoid clicking on web links from people you don't know.
Fight back against identity theft and fraud. Learn more about active scams and find out how to spot and avoid them. Visit www.aarp.org/fraudwatchnetwork.

Editor's Note: This article was submitted by Susan Williams. Susan is an associate state director with AARP Texas and can be reached at 1-866-551-5377.

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Lets talk PATHWAYS: Personalized Support for Those Experiencing Cognitive Decline

Lets talk PATHWAYS:  Personalized Support for Those Experiencing Cognitive DeclineDecember 5, 2024 By CC Young StaffThis time of year is filled with gatherings, which means you may be spending more quality time with your family members, particularly your parents and older relatives. While time spent together is a blessing, it can also highlight changes brought on by aging. If you believe someone you love is experiencing mild cognitive decline, there are options for keeping them safe while maintaining their independence and quality of life.This year, CC Young Senior Living in Dallas launched the Personal Assistance Toward Health and Wellness As You Succeed (PATHWAYS) program. Designed to serve as a bridge between Assisted Living and Memory Support, PATHWAYS provides extra support and structure in an intimate, small-group setting.We sat down with Nena Paris, CC Youngs Administrator, Assisted Living and Memory Support, to better understand the PATHWAYS program and who can benefit from it. Here are seven takeaways.PATHWAYS was created to fill a need between Assisted Living and Memory Support. The program came about because, often, Memory Support units can have long waitlists and fill up quickly. Truthfully, sometimes people with cognitive impairment dont necessarily need full Memory Support, as theyre not at risk of eloping, or leaving the community without supervision. CC Young has recognized that theres this middle group people who need a little more guided assistance and structure with their daily activities but are not qualified for full-blown Memory Support.PATHWAYS can actually slow cognitive decline. Research has shown that a guided program like PATHWAYS can in fact slow cognitive decline and help people stay engaged. Our program does this by providing residents with personal interaction, along with physical and emotional support, as a way to enhance their overall wellness and quality of life in a positive environment.PATHWAYS promotes resident wellness. At CC Young, we focus on whole-person wellness, using the 7 Pillars of Wellness as defined by the International Council on Active Aging: physical, social, spiritual, intellectual, emotional, vocational, and environmental wellness. Thats also the backbone of the PATHWAYS program, which promotes active aging regardless of cognitive issues. From these pillars, we have designed a comprehensive therapeutic program to support the needs of those with mild cognitive impairment in a joyful, engaging environment.PATHWAYS offers an intimate caregiver-to-resident ratio. Part of what makes PATHWAYS so successful is that the CC Young staff works closely with residents, which means the staff will notice any cognitive changes. In fact, at 1 caregiver to 7 people, the caregiver-to-resident ratio in PATHWAYS is better than both Assisted Living and Memory Support, which are 1 to 25 and 1 to 10, respectively. That also results in PATHWAYS residents becoming like family, as the staff truly gets to know them.PATHWAYS is not just for CC Young residents. Its true anyone from the Dallas community who has a need for the program can become a PATHWAYS resident. Upon entering the PATHWAYS program, your family member would also become an Assisted Living resident in The Hillside at CC Young.PATHWAYS is a less stressful transition for both family members and residents. It can certainly be stressful for families to face the decision of whether or not their family member should enter Memory Support. PATHWAYS offers a comforting solution for both them and their loved ones, as it lessens the pressure of deciding whether full Memory Support is needed now. The PATHWAYS resident may be able to live out their days in the PATHWAYS program or eventually transition to Memory Support, if the need arises.PATHWAYS keeps residents engaged and prevents isolation. To keep PATHWAYS residents engaged, the program takes an active and intentional approach to life enrichment activities, which includes participating in activities on the Assisted Living calendar as well as a specialized PATHWAYS calendar. The biggest differentiator for PATHWAYS is that a dedicated support staff member helps residents plan their day and escorts them to the activities. Since we purposely guide residents to keep them engaged, they are able to remain active and enjoy a better quality of life, while also avoiding any isolation that can be a symptom of cognitive decline.PATHWAYS is just one more service that CC Young offers current and prospective residents and their families. When we noticed an increase of older adults experiencing various levels of cognitive decline but not necessarily to the level of needing Memory Support we wanted to do something about it. We put our heads together and created a solution: PATHWAYS.If you are noticing cognitive decline in someone you love, we encourage you to have a conversation to express what youre observing. Talking to your primary care physician is a good place to start. CC Young is also happy to provide information, so feel free to give us a call at 214-305-9662.

A Comprehensive Guide to Supporting Aging at Home

Aging in place is becoming increasingly important for many American families. According to an AARP survey, more than half of Americans aged 50 and older plan to remain in their homes throughout their aging journey. And its no surprise whyaging at home offers familiarity, comfort, and, with proper planning, can be a more economical option that promotes independence for longer.However, the decision to age in place comes with its own set of challenges, particularly financial ones. Rising healthcare and long-term care costs make early and open financial planning crucial for families.If your parent or loved one is considering aging at home, this guide offers practical tips to support their independence while avoiding unnecessary financial strain.1. Start the Money Conversation EarlyTalking about finances with aging parents can be uncomfortable, but its an essential step to ensure their comfort and security. Approach this discussion with empathy and openness, focusing on how you can work together to maintain their quality of life.Here are key topics to cover:Income Sources: Discuss pensions, Social Security benefits, and retirement savings like 401(k)s or investments.Monthly Expenses: Understand their current spending and where adjustments might be needed.Future Costs: Highlight potential costs like home modifications, in-home care, and medical expenses.Creating a clear picture of their financial standing helps families plan effectively and reduces future stress.(Need help starting this discussion? Check out our blog, Tips for Convincing Aging Parents to Accept Help.)2. Understand the Costs of Aging in PlaceWhile aging at home is often more affordable than senior living facilities, its not without significant costs. 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Start with basic home modifications:Install grab bars in bathrooms.Add ramps or stairlifts for improved mobility.Ensure good lighting throughout the home to reduce fall risks.These changes can cost anywhere from a few hundred to several thousand dollars but are crucial for safety and peace of mind.Beyond modifications, consider investing in medical alert systems or fall-detection technology to provide an added layer of security.5. Plan for In-Home Care NeedsAs your parent ages, their care needs may increase. Early planning ensures that youre ready for the transition:Start Small: Part-time help from a home health aide may suffice initially, covering tasks like meal preparation or light housekeeping.Scale Gradually: If full-time or overnight care becomes necessary, families should prepare for costs that can exceed $100,000 annually.For lighter support, consider intermediary services like Naborforce, which connects aging adults with Nabors who assist with everyday tasks, such as transportation and grocery shopping. These services can extend independence and delay the need for more intensive care.6. Understand Medicare, Medicaid, and Additional ResourcesNavigating government programs can be daunting but essential for offsetting care costs:Medicare: Covers limited short-term in-home care, typically after a hospital stay, but not long-term care.Medicaid: Offers comprehensive coverage for long-term care, though eligibility is income-based and requires a detailed financial review.Additionally, research state-level programs, veterans benefits, or caregiver compensation opportunities that may be available in your area.7. Stay Flexible and Plan for the UnexpectedEven with careful planning, caregiving can come with unexpected twists, from sudden health changes to financial surprises. Build a cushion into your budget to account for emergencies and remain flexible in your approach.Helping your loved one age comfortably at home requires careful planning, open communication, and the right resources. 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