Tag Archives for AARP

Caregivers Can Take Advantage of Free Credit Freeze Law

Published in the Woonsocket Call on October 14, 2018

Attorney General Peter F. Kilmartin touts a new federal consumer protection law, signed into law by President Donald Trump on May 24, 2018, that protects seniors from becoming victims of financial exploitation. Rhode Island’s Attorney General says that this law enhances Rhode Island’s law prohibiting credit reporting agencies from charging fees for credit freezes,(also referred to as a security freeze).

With enactment of the Economic Growth, Regulatory Relief, and Consumer Protection Act, all consumers can now freeze and unfreeze their credit file for free for one year. Before this new law, fees were assessed, usually costing from $3 to $10 (though some states were free) to restrict access to your credit file, making it harder for others to open new accounts in another person’s name.

The new law lets people with certain legal authority to act on someone else’s behalf to freeze and unfreeze their credit file. It defines a “protected consumer” as an incapacitated person, someone with an appointed guardian or conservator, or a child under the age of 16. In addition, it extends the duration of a fraud alert on a consumer’s credit report from 90 days to one year. A fraud alert requires businesses that check a consumer’s credit to get the consumer’s approval before opening a new account.

“Many instances of financial exploitation include a person opening up credit cards or using the credit file of another for personal gain and identity theft. This added layer of protection will allow a guardian or financial caregiver the ability better safeguard the older person from being taken advantage of by a stranger or even someone they know and thought they could trust,”says Kilmartin.

To place a credit freeze on their accounts, consumers will need to contact all three nationwide credit bureaus: Equifax, Experian, and TransUnion. If you’re acting on behalf of a protected consumer, you must give the credit reporting agencies proof of authority before you can freeze and unfreeze the protected consumer’s credit. Proof of authority includes: a court order (such as an order naming you guardian or conservator; a valid power of attorney, and proof of your identity, which can be a Social Security card, birth certificate, driver’s license or other government issued identification.

Whether consumers ask for a freeze online or by phone, the credit bureau must put the freeze in place within one business day. When consumers request to lift the freeze by phone or online, the credit bureaus must take that action within one hour. (If consumers make these requests by mail, the agency must place or lift the freeze within three business days).
To place a fraud alert, consumers need only contact one of the three credit bureaus, which will notify the other two bureaus.

Rhode Island’s Credit Freeze Law

Filed at the request of Kilmartin and enacted earlier this year, the Rhode Island law eliminates a provision of existing state law that allows reporting agencies to charge up to $10 to consumers who ask for a credit freeze.

The legislation, which the sponsors introduced on behalf of Rhode Island Attorney General Kilmartin, stems from the Equifax security breach last year during which the credit information of 143 million Americans was exposed. Initially, Equifax was charging consumers who asked for a credit freeze to protect themselves from its own security breach, although it stopped after intense public outcry and pressure from numerous attorneys general.

At the time the law was enacted, Kilmartin said, “This is a big victory for Rhode Island consumers, giving them greater control over who can access their personal and financial information. Credit bureaus make money from selling our personal information to third parties. They should not be able to profit off consumers who decide to take control over who has access to their personal data.”

Protecting Rhode Island’s Seniors

“AARP applauds all efforts to protect older Rhode Islanders from phone and online credit scams that lead to identity theft,” says AARP Rhode Island State Director Kathleen Connell. “Clearly, many consumers, and especially many of Rhode Island’s 134,000 caregivers, will consider taking advantage of this new option. It certainly complements the work we are doing as part of AARP Fraud Watch to thwart con artists who prey relentlessly on people of all ages.

“In the case of older Rhode Islanders, life savings can be at risk. “The new federal law allows caregivers to acquire legal authority to freeze a loved one’s credit reports, and that’s a good thing. But it is important to note that there are many things a caregiver should consider. Basically, caregivers need to have conversations about the threat and what everyone should be doing to protect against credit theft,” she added.

AARP’s John Martin said when he presents the Fraud Watch program to community groups he urges people to think about fraud prevention in the same way training and professional development is part of their work experience. “In the workplace, your job includes being up to speed on the latest policies, regulations and best practices,” Martin tells audiences. “Lawyers read law reviews, doctors read medical journals, tugboat captains read The Shipping News. Failure to do so could lead to a missed opportunity or a big mistake. Given the enormous threats out there, we all should consider keeping up on the latest scams and implementing precautions something like a part-time job that requires similar diligence. To do otherwise increases your risk and the stakes are frighteningly high.”

Connell warns not to forget the basics. “AARP provides common-sense advice, awareness and precautions as well as alerts when new scams are exposed or an old one reappears,” she says. “Don’t be passive and please do encourage older family members to be on guard. We are all in this together.”

Anyone can sign up for the free Fraud Watch Network service at http://www.aarp.org/RIFraudwatch to receive alerts and report scams or other suspicious activity.

Reporting Financial Exploitation

The Rhode Island Office of the Attorney General recommends that if you believe you or an older relative are victims of financial exploitation, contact your local police department, the Rhode Island Division of Elderly Affairs, or the Elder Abuse Unit at the Rhode Island Office of the Attorney General.

If you would like an investigator at the Elder Abuse Unit or an investigator with the Consumer Protection Unit to speak with your organization on the signs of elder abuse or how to protect from being a victim of a scam, please contact Mickaela Driscoll, Elder Abuse Investigator, at mdriscoll@riag.ri.gov or Martha Crippen, Director of the Consumer Protection Unit, at mcrippen@riag.ri.gov or by calling 401-274-4400.

Dems Listening to Calls to Strengthen and Expand Social Security, Medicare

Published in the Woonsocket Call on September 23, 2018

The political clock is ticking…The midterm elections are less than 50 days away and just days ago, the Washington, D.C.-based AARP released a poll of age 50 and older Ohio voters who say they are especially concerned about their health care and personal financial issues.

The Politico-AARP poll, conducted by Morning Consult, surveyed 1,592 registered voters in Ohio from September 2 to 11, 2018 with a margin of error of +/- 2 percentage points. For voters 50 and older, the poll surveyed 841 registered voters and has a margin of error of +/- 3 percentage points.

“Don’t Touch Our Social Security, Medicare”

According to the newly released AARP-Politico poll findings, the older voters identified key issues that will influence how they will cast their vote in November at the polls. The respondents viewed health care (81 percent) the most important campaign issue followed by Social Security (80 percent) and Medicare (76 percent) and prescription drugs (65 percent). But, a strong majority (74 percent) support preserving the state’s Medicaid expansion, says the pollsters. .

“With less than 50 days to go before Election Day, candidates in Ohio would be wise to listen to the state’s most powerful voting group: 50-plus voters,” said Nancy LeaMond, AARP’s Executive Vice President and Chief Advocacy & Engagement Officer in a statement releasing the polls findings. “History shows older voters turn out in force in every election, and AARP is making sure they are energized and know where candidates stand on the issues.”

AARP is partnering with Politico to create a series titled “The Deciders,” (www.politico.com/magazine/thedeciders) that integrates original polling focused on 50-plus voters, reporting, data analysis and cutting-edge data visualization tools built by Politico’s specialized interactive team. The third edition in the series is focused on Ohio, a key election battleground state. Other recent polls surveyed voters in Arizona and Florida.

The AARP-Political Ohio poll findings say that 74 percent of age 50-plus voters “strongly support” (42 percent) or “somewhat support” (32 percent) preserving Ohio’s Medicaid expansion which extended Medicaid eligibility for low-income residents under the Affordable Care Act.

Ninety one percent of the older voter respondents say they are “very concerned” (55 percent) or “somewhat concerned” (36 percent) about their utility bills increasing. In addition, 69 percent of these respondents “strongly support” (27 percent) or “somewhat support” (42 percent) creating an Ohio retirement savings plan.

The AARP-Political poll also noted that 74 percent of 50-plus voters say opioid addiction is “a very serious problem” in the state right now, and 61 percent say the government is not doing enough to address it. And, 70 percent of the older voters “strongly agree” that jobs and the economy are major issues this election season. Only one in five (23 percent) feel “well-prepared” to get and keep a job, says the researchers.

Finally, nearly half (46 percent) of 50-plus voters think government is unprepared to prevent a cyber-attack on public infrastructure.

Democrats Zero in on Senior Issues

While poll after poll of older voters sends the message “Don’t touch my Social Security or Medicare” the GOP turns a deaf ear, but the Democrats listen. Following President Donald Trump’s claim that Democrats are trying to cut Social Security at a campaign rally in Montana, Sens. Bernie Sanders (I-Vt.) and Elizabeth Warren (D-Mass.) and Reps. John Larson (D-Conn.), Terri A. Sewell (D-Ala.) and Debbie Dingell (D-Mich.) on September 13, announced the bicameral Expand Social Security Caucus, over 150 members, including 18 Senators.

Senator Sheldon Whitehouse (D-R.I.) David Cicilline (D-RI) James Langevin (D-RI) are members of the newly formed Expand Social Security Caucus.

Alex Lawson, Executive Director of Social Security Works, an advocacy nonprofit group pushing for expanding Social Security, emceed the press conference and co-authored an opinion piece in The Hill celebrating the caucus launch.

Lawson noted, “We have members in the caucus from all corners of the country, from all parts of the Democratic Party. We’re waiting on some Republicans who might join, but they’ll be welcome when they realize that the American people are united in calling for an expansion of Social Security.”

The mission of this new congressional caucus is to push for the expansion of Social Security, one of the most popular and successful government programs. Last year alone, Social Security lifted 22 million Americans, including more than 15 million seniors, out of poverty. Before Social Security, nearly half of the nation’s seniors were living in poverty, says a caucus press release.

The caucus will ensure that expanding Social Security is a key part of the Democratic agenda before the midterm elections and next year and beyond. Over a dozen bills have already been introduced in the Senate and House to expand Social Security. With the caucus now playing a key role in expanding and strengthening Social Security, look for more bills to be introduced next Congress.

At the official unveiling of the new Congressional caucus, Sanders said, “We are here today to say very loudly and very clearly that at a time when millions of seniors are trying to survive on $12,000 or $13,000 a year, our job is not to cut Social Security. Our job is to expand Social Security so that everyone in America can retire with dignity and respect.” T

“Social Security is a lifeline for seniors and Americans with disabilities. We won’t let it be cut by one cent – and instead we will fight to expand it,” Co-chair Warren said. “The rich and powerful have rigged our economy to make themselves richer, while working families face a massive retirement crisis. If this government really works for the people, it should protect and expand Social Security.”

“A number of bills have been introduced in the Senate and House to expand Social Security, including legislation written by Sanders last year to lift the cap on taxable income that goes into Social Security, requiring the wealthiest Americans – those who make over $250,000 a year – to pay their fair share of Social Security taxes. That bill would increase Social Security benefits and extend the program’s solvency for the next 60 years.

Joining the caucus leadership Thursday were Social Security Works, the Alliance for Retired Americans, the Paralyzed Veterans of America, Latinos for a Secure Retirement, the National Committee to Preserve Social Security and Medicare, the American Federation of Government Employees, the Arc of the United States, the Center for Responsible Lending and Global Policy Solutions.

With the midterm elections looming, the progressive and centralists of the Democratic party must put aside their differences to work together to support Democratic Congressional candidates who can win. One unifying political issue may well be supporting the expansion and strengthening of Social Security, Medicare and ensuring that Americans can be covered by affordable health insurance. Stay tuned.

Midterm Elections Can Impact Social Security’s Long-Term Survival

Published in the Woonsocket Call on August 19, 2018

After just weeks celebrating the 53rd Anniversary of Medicare to score political points, Democrats, aging groups and Social Security Advocates put 83 candles on a cake to celebrate President Franklin D. Roosevelt’s signing of Social Security Act into law on August 14, 1935. The new Act created a social insurance program designed to pay retired workers age 65 or older a continuing income after retirement.

With the midterm elections looming, less than three months away, the Democrats are gearing up their efforts to recapture the House and Senate. Polls tell us that Social Security is being positioned as a key issue to energize voters, especially in competitive races, to control both legislative chambers.

According to the Washington, DC-based AARP, recent polling suggests Social Security and Medicare will be key issues for 50-plus voters. Recent
AARP/Politico polls found a significant majority of age 50 and over Arizona voters report Social Security (78 percent), health care (76 percent) and Medicare (75 percent) are “very important” issues to them as they head to the polls in November. Also, significant majorities of older Florida voters age 50 and older say Social Security (82 percent) and health care (78 percent) will be very important to their vote for Congress this fall. In this swing state, nearly three-quarters of Florida voters cite the future of Medicare as an important election issue.

Social Security Checks Prime States and National Economic Engine

AARP, the National Committee to Preserve Social Security and Medicare (NCPSSM) and Social Security advocates say it’s a great time to remind political candidates for House and Senate races of the popularity of Social Security and Medicare and both programs impact on the nation’s fiscal health. The Washington, DC-based NCPSSM calls Social Security and Medicare an economic generator, annually paying out more than $ 800 billion in benefits to over 57 million beneficiaries who put this money back into their local, state and federal coffers.
In the Ocean State, there are 222,851 Social Security beneficiaries, including 152,898 Retired Workers, 37,133 Disabled Workers, 11,680 Widow(er)s, 5,810 Spouses and 15,330 Children Social Security benefits that pump $3 Billion each year to state’s economy, says NCPSSM, its figures taken from the nonprofits state-by-state analysis of how much revenue Social Security contributes to the economy of every Congressional District in each state.

“Social Security has a very big footprint in Congressional districts across the country, which is a tremendous benefit not only for beneficiaries, but for entire communities,” says Max Richtman, NCPSSM’s president, and CEO. “Yet, in the face of clear evidence of Social Security’s effectiveness, conservatives want to cut and privatize the program. Candidates in this year’s mid-term elections must ask themselves whether their communities can afford to lose billions of dollars in economic stimulus – not to mention the baseline financial security that these earned benefits provide retirees and their families. The answer for anyone who seeks to represent the people should be a resounding ‘No,’” he says.

Yet, throughout the years, GOP lawmakers sought to ensure the solvency for the Social Security program by cutting benefits, raising the retirement age and
to privatize the program. Democrats call for the raising or eliminating the payroll cap on taxable wages, now $ 118,500 a year, to bring more revenues into Social Security from the nation’s wealthy. They say Social Security must be considered an earned benefit rather than an entitlement because working Americans pay into the system each paycheck, and receive benefits when they retire or become disabled.

Key Congressional Races to Watch

And there are a lot of Congressional races to watch during the upcoming mid-term elections. According to fivethirtyeight.com, a website that focuses on
opinion poll analysis and politics, “… 39 Republicans and 18 Democrats are not running for re-election. That includes 13 Republicans and 10 Democrats who are leaving to seek another office, such as governor. Excluding them, 26 Republicans and eight Democrats are walking away from their political careers at the end of the 115th Congress. That’s the most “pure” retirements by Republicans — and the fewest by Democrats — since the 2008 election.”

NCPSSM is closely monitoring both House and Senate races, calling for voters to support candidates who commit to strengthening and expanding Social Security. “These Social Security champions can be found across the country, in both red and blue states,” says the Social Security advocacy group.
Here are just a few campaigns to watch.

NCPSSM says one of these Social Security campaigns is Kathleen Williams, a water conservation expert, who is running for the House seat in Montana currently occupied by Republican Greg Gianforte. The Republican Congressman, elected in 2017, voted for the sweeping GOP tax plan, the Tax Cuts, and Jobs Act, increasing the national debt by $ 1.9 trillion between 2018 and 2028, according to the Congressional Budget Office. The skyrocketing deficit puts Social Security, Medicare and Medicaid on the GOP radar screen for cuts to the nation’s debt and deficits. Gianforte’s opponent pledges to “make sure that our seniors can retire with dignity by protecting Medicare and Social Security no matter what.”

Another, in Arizona, three-term Democratic Congresswoman Kyrsten Sinema, formerly serving in both chambers of the State Legislature, is running for retiring Republican Senator Jeff Flake’s seat, a race that could determine which political party takes control of the Senate. “Sinema says, “We can’t allow… Washington to threaten the Medicare and Social Security benefits Arizonans have earned through a lifetime of hard work.” Her likely opponent, Republican Congresswoman Martha McSally, like Congressman Gianforte, voted for the GOP tax plan and Sinema has accused her of wanting to privatize Social Security while her Congressional voting record does not reflect this charge.

Finally, in Illinois’ 12th Congressional district, where challenger Brendan Kell, serving as the state’s attorney for St. Clair County and earned a commission as an officer in the U.S. Navy opposes incumbent Mike Bost. The Republican voted for the GOP’s failed Balanced Budget Amendment – Democrats and NCPSSM considering this a backdoor strategy to slash Social Security. The Democratic challenger Kelly that “instead of cutting Social Security, Medicare and Medicaid, as those in Congress currently want to do… we have to fight against that and expand the access and coverage overall.”

You Can Make a Difference

With the outcome of the midterm elections, especially in battleground state, AARP’s voter engagement multifaceted campaign “Be The Difference. Vote” is mobilizing older voters to get them to vote in primaries and in the November general election. The “get out the vote” initiative will put issues of particular importance to aging baby boomers and seniors front and center— issues like Medicare, Social Security, financial security, prescription drug costs, and family caregiving.

AARP is tracking key races, sponsoring debates, and hosting candidate forums and tele-townhall events. Election information is provided through a full-scale digital effort, including aarp.org/vote, the AARP Now app, social media outreach, graphics, and news alerts. AARP is also using direct mail, phone banks and transportation assistance to help people get to the polls.

Social Security celebrates its 83 Anniversary this month. Older voters can send a message to Capitol Hill by casting votes for candidates to strengthen and expand the program instead of voting for those who call to privatize Social to replace the federal government-administered system.

A Final Note…

Congressman David Cicilline (D-RI) will release a new report from the U.S. House Democrats’ Seniors Task Force during an event at Rumford Towers in East Providence this Monday. The report outlines the history of Washington Republican efforts to attack Social Security and Medicare.

Cicilline, who serves in the House Democratic Leadership, also plans to outline the policies that Democrats will advance if they take control of the House this November. Democrats have outlined a series of proposals to lower the costs of prescription drugs and health care premiums.

“Republicans are on the side of powerful special interests. Democrats are for the people,” Cicilline told me. “When Democrats take the majority, we’re going to pass legislation giving Medicare the ability to negotiate the cost of prescription drugs. We’re going to make Social Security and Medicare a priority by requiring the wealthy to pay into the system as much as everyone else and improving cost-of-living adjustments.”