Tag Archives for AARP

AARP Fights Consumer Fraud – by Herb Weiss

Published in Pawtucket Times on November 30, 2020

Every year, fraudsters continue to operate government imposter scams falsely claim to be from federal agencies, including the Internal Revenue Service, Social Security Administration, to get people to turn over money or personal information. Every year, hundreds of thousands of Americans continue to fall victim to these scams.

FTC Compiles Fraud Complaints

Last January, the U.S. Federal Trade Commission (FTC) released its annual report detailing data from the Consumer Sentinel Network Data Book 2019, continuing to put a spotlight on the impact of imposter scams and identify fraud on consumers across the nation. Expect the FTC to release its 2020 data book early next year.

The data book, initially released in 2008, includes national statistics, as well as a state-by-state listing of top report categories in each states, and a listing of metropolitan areas that generated the most complaints per 100,000 population.

According to the FTC, its 2019 database network receives reports directly from consumers, as well as from federal, state, and local law enforcement agencies and a number of private partners. Last year, the network received 3.2 million reports, including nearly 1.7 million fraud reports as well as identity theft and other reports.

The researchers found that younger people reported losing money to fraud more often than older people. But, when people age 70 and over had losses, the median loss was much higher, they say.  

Imposter scams, a subset of Fraud reports, followed closely behind with 657,472 reports from consumers of 2019. The most common type of fraud reported to the FTC last year was identified theft scams, with imposter scams following closely behind.    

Specifically, last year there were over 647,000 imposter scams reported to FTC’s database. Thirteen percent of those calling reported a dollar loss, totaling nearly $667 million lost to imposter scammers. These scams include, for example, romance scams, people falsely claiming to be the government, a relative in distress, a well-known business, or a technical support expert, to get a consumer’s money.

Of the 1.7 million fraud reports, 23 percent indicated money was lost. In 2019, people reported losing more than $1.9 billion to fraud – an increase of $293 million over what was reported in 2018.

Protecting Yourself Against Scammers

With the release of a new report, AARP continues its efforts to combat identify theft and imposter scams. The Washington, DC-based nonprofits continues to report on the latest scams, exploring its impact on U.S. adults age 55 and over and how technology may play a role in their ability to protect themselves from financial harm. The 16-page report, “Identity Fraud in Three Acts,” developed by Javelin Strategy & Research and sponsored by AARP, reveals that 26 percent of seniors have been victims of identity fraud. But researchers say that more are taking additional safeguards to prevent losses of personal information. Following an identity theft incident, 29 percent have placed credit freezes on their credit bureau information, and more than half have enrolled in identity protection or credit monitoring services.

“Older Americans are leading more digitally infused lives, with two-thirds using online banking weekly, so it’s encouraging to see that many are taking proactive steps to protect their identity following a data breach,” said Kathy Stokes, Director of AARP Fraud Prevention Programs in a statement announcing the release of the report. “Passwords still represent a security threat, however; using repeated passwords across multiple online accounts makes it easy for criminals to crack one of them so that all of your accounts – including financial accounts – become accessible,” says Stokes.

According to the AARP report, age 55 and over consumers call for banks to use stronger security authentication. About 90 percent support the use of more fingerprint scanning, and 80 percent view facial recognition capabilities as a reliable form of technology for financial transactions and private business matters. The report’s findings indicate that identity fraud victims age 65 and over do not necessarily change how they shop, bank or pay following a fraudulent event, with 70 percent exhibiting reluctance to change familiar habits.

“Criminals are regularly targeting age 55 and over Americans through a combination of sophisticated scams via computer malware and also through more traditional low-tech channels via telephone and U.S. mail,” says the AARP report’s author, John Buzzard, Lead Analyst, Fraud and Security at Javelin. “The combination of high-tech and low-tech strategies unfortunately gives the upper hand to the criminal — not the consumer,” he adds.

The AARP report provides these tips to older consumers to protect their pocketbooks. Just hang up on strangers. Independently verify everything.  Always adopt security practices that go beyond a single password.  Consider using a password manager tool or app to create and safely store complex passwords.  Always write down important numbers of companies you do business with rather than rely on a web search for a customer service number, as criminals post fake numbers online.  

The report also recommends securing your devices – mobile phones, laptops and tablets- with a complex password, preferably with screen locks that use a fingerprint or facial recognition and secure personal payments with digital wallets.

Be vigilant.  Don’t become a sucker for scams.  

To report a compliant, call the Consumer Sentinel HelpLine at 1.877.701.9595.

For a copy of Consumer Sentinel Network Data Book 2019, go to:  https://www.ftc.gov/system/files/documents/reports/consumer-sentinel-network-data-book-2019/consumer_sentinel_network_data_book_2019.pdf

For a copy of “Identity Fraud in Three Acts,” go to:  https://www.aarp.org/content/dam/aarp/home-and-family/family-and-friends/2020/10/aarp-Identity-fraud-report.pdf.

To learn more about AARP’s fraud prevention programs, visit aarp.org/fraudwatchnetwork.  

16 year olds and up: Be a Poll Worker – Shortages Threaten Elections

Published in RINews Today on October 6, 2020

With spikes in COVID-19 cases occurring across the nation, causing concerns about the safety or health risk to workers staffing polling sites, AARP announces a new initiative to recruit persons of all ages for the upcoming presidential election to work the polling sites.  AARP along with the Association of Young Americans (AYA), Power the Polls (POP), and New Leaders Council (NLC) are working to ensure that in-person voting is still an accessible and safe option at the polls.   

“There is an urgent need for more poll workers this election, including people 50-plus and younger voters. We need to ensure that in-person voting is still an accessible and safe option,” said Nancy LeaMond, AARP EVP and Chief Advocacy and Engagement Officer. “We will encourage all AARP members to communicate with their younger family and friends around the importance of voting and how to participate as a poll worker,” says LeaMond.

According to Pew Research Center analysis of government data, “Older People Account for Large Shares of Poll Workers and Voters in U.S. General Elections,” published on April 6, 2020, nearly six-in-ten (58%) poll workers were ages 61 and up in 2018 and 56% in 2016. Many communities faced poll worker shortages prior to the pandemic. The 2016 U.S. Election Assistance Commission found that two-thirds of jurisdictions already had a difficult time recruiting enough poll workers on Election Day.

A Call for Poll Workers 

“The poll worker shortage is an urgent issue, and we’re on the clock,” states Scott Duncombe, Power of Poll’s Co-Director. “This unprecedented shortage threatens our democracy, puts our older population at risk, and disproportionately affects low-income communities and communities of color. This is a historic moment for first-time poll workers to sign up to protect their communities, their neighbors, and their democracy. We will keep working until there are enough poll workers and volunteers to keep polling sites open, staffed, efficient, and functioning. We must do everything we can to ensure this upcoming election is safe, fair, and accessible,” he says.

Adds Ben Brown, AYA’s Founder, “Poll workers play a critical but often overlooked role in ensuring safe elections. The pandemic has hampered recruiting efforts for poll workers, who tend to be repeat workers, and fewer poll workers means longer lines, delays, and more confusion on Election Day,” said Ben Brown, Founder of Association of Young Americans. ““

Clare Bresnahan English, NLC’s President and CEO, notes “Poll workers are the essential workers of our democratic process. All voters should feel safe and welcome when they participate in the upcoming election.”  He observes that that this intergenerational collaboration with AARP and Power the Polls allows for the recruitment of young poll workers whose identities reflect the community in which they serve.”

The Power the Polls initiative is also working with local organizations and partners to help election officials provide the necessary PPE to keep poll workers and voters safe. For more information, reach out to your local officials through workelections.com  

In August, AARP launched “Protect Voters 50+,” a comprehensive voter engagement campaign to support and protect Americans 50-plus as they vote in the 2020 elections. The campaign will help Americans over 50 votes safely, whether at home or in person. The “Protect Voters 50+” campaign will provide people with the information they need about this year’s elections, including video voters’ guides, issue briefings, direct mail, text messaging, social media and paid media.

In the Trenches…at the Polling Sites

Last month, over 2,000 persons voted at Pawtucket’s 26 polling sites, over 4,000 chose to vote by mail ballots, says Ken McGill, the City’s Registrar for over 17 years.  He estimates that it was almost triple the number of votes cast at a primary. 

Looking back, McGill says it was a struggle to get enough workers to man Pawtucket’s polling sites during the September primary.” Many of our veteran poll workers, especially those with health issues, opted out because of the COVID-19 pandemic,” he said. 

But with Rhode Island allowing 16-year-olds to work at the polls, McGill plans to continue reaching out to youngsters to serve as election officials at the polls. 

According to McGill, like the primary Pawtucket polling officials continue to follow social distancing guidelines at the upcoming presidential election to be held on Tuesday, November 3, 2020.  Only a certain number of voters will be allowed into the polling site at the same time. Hand sanitizer are readily available for use by both poll workers and voters. All poll workers will be required to wear masks and voters are encouraged to also wear masks to stop the spread of COVID-19.  Also, at every poll, a person will be assigned to wipe down the booths after use and to clean and disinfect the site throughout the day and to ensure that voters are social distancing from one another.  

Nick Domings, a spokesperson for Secretary of State Nellie M. Gorbea, says that the Secretary has made it her top priority to make voting convenient, safe and secure for the upcoming presidential election. “During the pandemic, that means providing options for casting a ballot that ensure no voter must risk their health to exercise their constitutional right to vote. Rhode Islanders can choose to either vote from home with a mail ballot, vote early in-person at their city or town hall, or vote at a polling place on Election Day,” he says.  

Secretary Gorbea has sent registered voters a mail ballot application for the November 3 general election.  But for those voters who wish to cast their ballot in-person, either early at their city/town hall or at a polling place, know that facilities will be thoroughly sanitized, single-use pens will be utilized and poll workers will be wearing personal protective equipment, notes Domings. 

Domings recommends that Rhode Island voters check the location of their polling place on vote.ri.gov, as some may have changed due to the pandemic.

Becoming a Poll Worker

“Because our older citizens are most at risk for serious complications from COVID-19, there is a definite need for poll workers this year. This is a great opportunity for young people to see how our democracy works up close. If you or someone you know wants to be a poll worker, contact your local board of canvassers or call the Board of Elections at 401-222-2345,” suggests Domings. 

Bill Protects Nursing Home Residents, Providers

Published in the Pawtucket Times on June 1, 2020

This month, U.S. Senator Bob Casey (D-PA) and Senator Sheldon Whitehouse (D-RI) throw a bill in the legislative hopper to slow the spread of novel coronavirus (COVID-19) in nursing homes. It’s a common-sense legislative proposal and needed.

A recently released Kaiser Family Foundation study reported, “COVID-19 has had a disproportionate effect on people who reside or work in long-term care facilities, including the 1.3 million individuals in nursing homes; 800,000 in assisted living facilities; 75,000 in intermediate care facilities; and 3 million people who work in skilled nursing or residential care facilities.”

Combatting COVID-19 in Congregate Settings

With COVID-19 quickly spreading throughout the nation’s nursing homes and intermediate care facilities, Casey and Whitehouse’s legislative proposal, S. 3768, The Nursing Home COVID-19 Protection and Prevention Act, seeks to provide needed resources to facilities to protect frail residents and staff. Residents in these facilities are among the most vulnerable because of their age and underlying medical conditions. According to an analysis conducted by Gregg Girvan for the Foundation for Research on Equal Opportunity, as of May 22, in the 39 states that currently report such figures, 43 percent of all COVID-19 deaths have taken place in nursing homes and assisted living facilities

As more than 20,000 nursing homes residents and workers have died due to COVID-19, according to the latest reports, on May 19, 2020, Casey and Whitehouse introduced S.3768 to help states, nursing homes and intermediate care facilities put the brakes on the spreading of the deadly COVID-19. The legislative proposal, with 14 Democratic cosponsors (including Rhode Island Senator Jack Reed}, would help states implement strategies to reduce the spread of COVID-19 in congregate settings, including through the purchase of personal protective equipment (PPE) and testing and to support nursing home workers with premium pay, overtime and other essential benefits.

S. 3768 was referred to Senate Health, Education, Labor, and Pensions. As of March 30, 2020, a Congressional Budget Office cost estimate or this measure has not been received.

Days after the introduction of 25-page Senate legislative proposal, a House version (H.R. 6972) was introduced by Rep. Ana G. Eshoo (D-CA), cosponsored by Reps. Janice D. Schakowsky (D-IL), Donna E. Shalala (D-FL), Madeleine Dean (D-PA), Seth Moulton (D-MA) and David N. Cicilline (D-RI). The House bill was referred to House Energy and Commerce

“This virus spares no state, no county, no facility. The unprecedented crisis unfolding in our Nation’s nursing homes demands an immediate, extraordinary response. Reports indicate nursing home residents and workers account for roughly 1 in 4 deaths from COVID-19 in the United States,” said Casey, who serves as Ranking Member of the U.S Senate Special Committee on Aging, in a statement announcing the bill’s introduction. “The Nursing Home COVID-19 Protection and Prevention Act would provide $20 billion in emergency funding [for staffing, testing, Personal Protective Equipment, etc.] to devise a sorely needed national, coordinated response to stem the spread of this terrible virus in nursing homes and intermediate care facilities,” notes Casey.

According to Casey, the Senate bill would also require the U.S. Department of Health and Human Services (HHS) to develop guidance on cohorting best practices, including on how to safeguard resident rights. It would also instruct HHS to collect and publish data on COVID-19 cases and deaths in nursing homes and intermediate care facilities, and finally fund surge teams of nurses, aides, and other critical staff to fill in at facilities where multiple residents and staff members have been infected.

“COVID-19 poses an immediate threat to the more than 1.3 million Americans, including more than 7,000 Rhode Islanders, who live in nursing homes,” says Whitehouse, noting that frontline staff across the nation are “doing heroic work under very challenging circumstances.”

“We need to get vastly more personal protective equipment and tests to nursing homes, which care for the patients who are most vulnerable to the coronavirus. Our legislation would also help states fund surge teams, sending additional staff reinforcements to facilities where they are needed to care for patients and prevent infection,” adds Whitehouse.

Before S. 3768 was officially introduced, in early March, Washington, DC-based AARP announced its support for the Senate proposal. “AARP supports the draft of the Nursing Home COVID-19 Protection and Prevention Act that would help protect the health and save the lives of people in nursing homes and other facilities by supporting testing, personal protective equipment, staffing and more,” said Megan O’Reilly, Vice President of Government Affairs for AARP. “The proposal would also improve public transparency and help protect the rights of residents and their families, adds O’Reilly, calling on Congress “to act immediately to stem the loss of life and slow the spread of the virus.”

In the House Chamber, Rhode Island’s Cicilline, a member of the House Democratic Leadership as Chair of the Democratic Policy and Communications Committee, has also pushed for Congressional funding to stop the spread of COVID-19 in nursing homes. The fifth term Congressman has called for additional funding for the Public Health and Social Services Emergency Fund in the next package for congregate care facilities, including nursing homes. He also signed a letter to HHS Secretary Azar and Administrator Verma, of the Centers for Medicare and Medicaid Services (CMS), urging that HHS and the CMS to ensure that a significant portion of the newly allocated $25 billion for testing in the recently passed CARES Act be utilized for testing in nursing homes and other congregate living facilities.

State-wide Efforts to Combat COVID-19 in Nursing Homes

With Governor Gina Raimondo declaring a state of emergency on March 9, 2020, with the COVID-19 arriving in Rhode Island, the deadly pandemic virus spread quickly throughout the state’s nursing homes. At press time, it has been reported that 75 percent of all related COVID-19 deaths are in nursing homes.

According to Joseph Wendelken, Public Information’s Officer for the Rhode Island Department of Health (RIDOH), the state moved quickly to stop the spread of the COVID-19 virus in the community and in nursing homes. He stated: “We curtailed and then prohibited visiting early on, and we have been doing extensive testing in every assisted living facility in the state. We are doing cyclical testing, meaning that we are continually testing all residents in all homes on a rotating basis. We are giving tailored infection control guidance to specific homes, and we are helping them procure additional PPE.”

Adds Wendelken, RIDOH has established two COVID-19 Specialty Nursing Homes [at Oak Hill Center in Pawtucket and Oakland Grove Health Care Center in Woonsocket] to be a COVID-19 Specialty Nursing Home. “These are centralized facilities to accept patients who are being discharged from the hospital and who are COVID-19 positive but no longer require acute-level care. This strategy allows COVID-19 positive patients leaving the hospital to receive specialized rehabilitation and step-down, post-acute care while reserving hospital beds for patients who need acute-level care,” he said.

On Smith Hill, the Rhode Island House Republican Caucus has recently called for members of the House Committee on Oversight to meet to address the increasing COVID-19 death rate in the state’s nursing and assisted living facilities.

Putting Politics Aside…

With less than 156 days until the upcoming 2020 Presidential election, will S. 3768 reach the Senate floor for a vote. Since the beginning of 2019, more than 350 House-passed bills—including hundreds that have bipartisan support—have been buried by Senate Majority Leader Mitch McConnell (R-Kentucky) in his legislative graveyard. With no Republican Senators supporting Casey and Whitehouse’s COVID-19 bill, will it even reach the Senate floor for a vote?

It’s time for McConnell, who has called himself the “grim reaper” of Democratic legislation, to lay down his deadly scythe, making the safety of millions of residents who reside in the nation’s 15,583 skilled nursing facilities a legislative priority. The GOP Senator from Kentucky, who is in a close Senate race with Democratic opponent Amy McGrath, might consider putting politics aside during a raging COVID-19 pandemic sweeping across the nation to work with Senate Democrats to protect frail residents and nursing home staff. Kentucky voters might view protecting residents against COVID a bipartisan issue.