Tag Archives for AARP

Defend Yourself Against IRS Scammers

Published in Woonsocket Call on March 27, 2016

With federal regulators reporting a surge in tax-related fraud schemes, the U.S. Internal Revenue Service and Rhode Island’s Division of Taxation are requiring new income tax filing requirements. The AARP Fraud Watch Network also gears up its efforts to protect consumers from Internal Revenue Service (IRS) Imposter Scams.

According to the U.S. Internal Revenue Service (IRS), an aggressive and sophisticated phone scam targeting taxpayers, including recent immigrants, is making its rounds throughout the nation. Here’s the scam. A caller claims to be employed by the IRS, but they are not. To be seen as legitimate the con artist uses a fake names and even rattle off a bogus IRS identification badge numbers. The caller ID may even be altered to make it look like the call is coming straight from the IRS. .

Usually victims are told they owe taxes to the IRS and it must be quickly paid through a pre-loaded debit card or wire transfer or they will suffer the consequences. If the victim refuses to cooperate with the federal agency, then they are threatened by the con artist with arrest, deportation or suspension of a business or driver’s license. In many cases, the caller becomes hostile and insulting. Victims may also be told they have a refund due to try to trick them into sharing private financial information. If the phone isn’t answered, the scammers often leave an “urgent” callback request.

Knowledge is Power over Scammers

To combat this growing problem, the AARP Fraud Watch Network gears up its educational campaign, with digital advertising featuring a new tip sheet and online video to combat the “IRS Imposter Scam.”

Our goal is to warn consumers and empower them with the knowledge they need to keep their family members from falling victim to the IRS imposters,” said Nancy LeaMond, Chief Advocacy & Engagement Officer, AARP. “Once they recognize certain red flags, they will be confident in resisting the aggressive bullying and scare tactics used by the scammers.”

The Fraud Watch Network campaign is advising consumers that legitimate IRS agents do not call and demand immediate payment. The IRS will not call about owed taxes without making contact by mail. The IRS will not require a taxpayer to use a specific payment method to make a tax payment, such as a prepaid debit card; or ask for credit or debit card numbers over the phone. Finally, the IRS will not threaten to bring in local police or other law-enforcement groups to have you arrested for not paying.

For more information about the IRS scam and other tax-related frauds, visit http://www.aarp.org/FraudWatchNetwork. Consumers who think that they are being targeted by a scammer may call the FWN helpline at 877-908-3360 and speak with a trained counselor.

Federal and State Efforts to Protect Tax Payers

The IRS, announces that many newly implemented safeguards are now in place that consumers may not even be aware of, but are invaluable in fighting against the stolen identify refund fraud. Many of these changes are designed to better authenticate the tax payer’s identity and validate the tax-return at the time of filing.

The most visible change is new password protections for private-sector ax software accounts. Newly implemented standards require a minimum 8-digit password using a combination of letters, numbers and special characters. There also will be new security questions, new lock-out features and new ways to verify emails.

IRS’s password standards are intended to help protect taxpayers from identity thieves who take over their software accounts and file fraudulent tax returns using their names and Social Security numbers.

In a January 19, 2016 Advisory for Tax Professionals, Rhode Island’s Division of Taxation is putting in processing safeguards to protect an estimated 600,000 Ocean State taxpayers. Acting Tax Administrator Neena S. Savage announced that this tax season all taxpayers and preparers who file electronically will be asked to enter a driver’s license number as part of the tax preparation process.

“This is another way to verify your identity and the validity of your return before the processing of the return is completed,” says Savage, noting that the new filing requirement for is part of a coordinated and collaborative effort among the states, the U.S. Internal Revenue Service, tax software providers, and others to help protect taxpayers from identity theft that may lead to tax refund fraud.

The requiring a taxpayers driver’s license is just “another layer of protection because identity thieves may already have your name and Social Security number, but perhaps not your driver’s license number,” says Savage, adding that this will assist states in matching driver’s license information with other identifying records to help confirm the filers identity.

“Tax software will prompt you for your driver’s license number. The information will be transmitted only in electronically filed returns; it will not appear on paper returns. It will also be safeguarded along with the rest of your tax return information,” adds Savage. The return will not be rejected if a taxpayer does not have a driver’s license number, or does have one
but does not provide it, she said.

New Phone app Fights IRS Phone Scam

With the April 18th Tax Day deadline fast approaching, Whitepages, a Seattle, Washington–based company releases an update for its ID app for Android that blocks suspected IRS scammers. The new Auto-Blocker automatically stops “IRS Imposter Calls” from reaching the user.

“Fraudulent phone scams are on the rise and, while some carriers and handset makers are starting to solve this problem, consumers need ways to educate and protect themselves,” said Jan Volzke, Vice President, Reputation Services at Whitepages. “While the IRS scam is far from the only unwanted call identified by our leading technology, it’s certainly top of mind this busy tax season. We want to help ease concern by making sure a large majority of those calls never reach their intended targets.”

Whitepages says, of the 300 million incoming calls that the company scans monthly in the U.S., more than 15 million are classified as “unwanted.” Last year, Whitepages identified the IRS scam as the number one type of scam call, with more than 1.2 million of these types of calls being made per month, accounting for at least 8 percent of all calls blocked by users. In addition, comparing February data from 2014 to 2016, IRS scam calls have grown exponentially, at nearly 2,500 percent over the past two years.

The new updated Whitepages ID app automatically blocks any incoming calls that have been identified by the company’s proprietary algorithms as being a known IRS scam number. The Alto-Blocker also includes the blocking of numbers that the IRS has officially flagged as suspicious.

While the Auto-Blocker stops IRS scam calls from ringing phones, users have the option to keep this auto feature on, or adjust the protection level based on type of call including: Scam or Fraud, Suspected Spam, Hidden Numbers, or International Numbers.

As scammers switch phone numbers in an effort to avoid detection, phone users will be alerted to popular or new area codes where scam calls are originating, so they can remain on the defense against numbers that may not yet have been blocked.

Finally, users can easily report IRS specific scam numbers back to Whitepages to be put on its block list.

Whitepage’s new app is free and available on GooglePlay.

AARP Exec Seeks to Change America’s Perception of Growing Old

Published in Pawtucket Times on March 7, 2016

With the youngest of the aging baby boomers, born between 1946 and 1964, reaching their fifties, AARP launches a new ad campaign geared at connecting people’s hopes and dreams. According to a statement, this initiative was built on the foundation laid by the 2014 launch of Real Possibilities and “You Don’t Know ‘AARP,’” last month, the nonprofit unveiled its latest ad campaign that shines a spotlight on individuals tackling everything from brain health to new careers, introducing a new meme, “We Hear You.”

As part of AARP’s renewed focus on listening and responding to Americans over age 50, “We Hear You” highlights the many ways the organization celebrates life in extended middle age and helps people turn their dreams into realities. Also new in 2016, the ads feature AARP’s CEO Jo Ann Jenkins delivering the iconic “We Hear You” line to underscore the organization’s genuine commitment to helping baby boomers take control of their lives and their futures.

“We’ve seen Real Possibilities and “You Don’t Know ‘AARP’” really take hold over the last two years,” said AARP Senior Vice President of Brand Integration Barbara Shipley. “Now, we have a chance to add more momentum by putting a human face on the brand. The campaign shows very real people expressing wants and needs in terms of careers, travel, caregiving, brain health and fraud protection. It also introduces Jo Ann and her “We Hear You” message to prove we are in tune with what people are looking for at this time of their life.”

According to AARP, since Jenkins became AARP’s CEO in 2014, she tirelessly advocated for changing outdated beliefs and sparking new solutions so that everyone can live and age as they choose. The advertising campaign echoes many themes from her forthcoming book Disrupt Aging, most notably “own your age.” The book is now available for preorder on Amazon for $15.87 (hardcover). Copies will be available on April 5.

The first of the ads features AARP’s Life Reimagined program and will air during NBC’s primetime all-star tribute to Jim Burrows on Sunday, February 21. The second ad featuring the award-winning AARP the Magazine will air during the 88th Academy Awards on Sunday, February 28. The remaining spots will be rolled out throughout the year.

Redefining How We Grow Old

Next month, AARP/CEO Jo Ann Jenkins releases her new 272 page book, Disrupt Aging: A Bold New Path to Living Your Best Life at Every Age. AARP’s top official suggests it’s time to redefine what it means to grow old in America. Throughout its pages the Northern Virginia resident encourages readers to re-think the negative stories they consistently tell themselves and others, urging them to come together to change both the conversation about aging and its reality. While sharing these ideas with others, and meeting fearless people working to change what it means to age in America, Jo Ann was inspired to write her book.

Jenkins’s life experience and affiliation with AARP, the nation’s largest aging organization representing over 38 million members, brings her the needed life experiences to pen this tome. She is the chief executive officer of AARP. Previously, she served as its COO and, before that, president of AARP Foundation, AARP’s affiliated charity. Before joining AARP, she was the COO of the Library of Congress. She has received the Library of Congress Distinguished Service Award and in 2015 was named Influencer of the Year by the Nonprofit Times.
“60 Is Not the New 40.”

Jenkins notes that everyone has watched ads on TV or seen and in magazines—”50 is the new 30″ or “60 is the new 40.” AARP CEO Jo Ann Jenkins disagrees. 50 is 50, and she, for one, likes the look of it. In her highly focused but down-to-earth personal style, Jenkins says Disrupt Aging is not about defying aging or denying aging. It’s about “owning” your age.

In Disrupt Aging, Jenkins focuses on three core areas—health, wealth, and self—to show people how to embrace opportunities and change the way society looks at getting older. Here, she chronicles her own journey and that of others who are making their mark as disruptors to show readers how we can be active, healthy, and happy as we get older. Through engaging narrative, she touches on all the important issues facing people over age 50 today, from caregiving and mindful living to building age-friendly communities and making our money last.

Disrupt Aging provides readers practical, hands-on, highly useful information for a broad range of key issues, including: Taking Control of Your Health; Choosing Where You Live – or Want to Live; Financing Your Future; and Putting Your Experience to Work.

In Praise of…

Jenkins’s philosophy on aging has touched a chord with a number of aging experts and prominent persons who give their thumbs up to the project.

Arianna Huffington, cofounder, president, and editor-in-chief of the Huffington Post Media Group, says “Jo Ann Jenkins doesn’t just challenge the stereotypes of aging, she reduces them to rubble, showing that our later years can be just as productive, meaningful, and purposeful as our primary working years. Disrupt Aging is for anyone who insists on living a life of connection, engagement, expansion, and possibility—at any age.”

“Jo Ann Jenkins’s Disrupt Aging is spot-on: every single year is a gift. By confronting the most common stereotypes about aging, this book will help us all live each year to the fullest,” adds Sheryl Sandberg, COO of Facebook and founder of LeanIn.Org.

Even Jeff Gordon, four-time NASCAR Cup Series Champion throws in his two cents about Disrupt Aging. . “Jo Ann Jenkins believes that age and experience can expand life’s possibilities for all of us. In this personal and thought-provoking book, she inspires us to seize the opportunities that longer lives give us and to embrace aging as something to look forward to, not something to fear.” Adds, Dan Marino, former NFL Quarterback, “In Disrupt Aging, Jo Ann Jenkins lays out a game plan for living your best life regardless of your age.”

Jenkins says that her book is for anyone who wants to continue exploring new possibilities in their later years, to celebrate new discoveries over declines, and to seek out new opportunities to live the best life there is. To order Disrupt Aging, go to http://www.amazon.com.

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Candidates Mum on Social Security

Published in Pawtucket Times on February 8, 2016

Just a week before the New Hampshire primary, scheduled for Tuesday, February 9, AARP releases a new survey, of likely primary voters, that finds Social Security is “one issue that transcends the partisan divide and unites people of all ages.” Both surveyed Democrats and Republicans alike agreed that all presidential candidates should give details as to how they will strengthen or expand Social Security.

In recent presidential debates, moderators focus on the economy, abortion, gun control, immigration and defense, hardly touching on aging issues. The January 29 AARP survey found that voters want more specifics about Social Security. More than nine in 10 New Hampshire primary voters across party lines and age groups say it is important for presidential candidates to lay out their specific plans to make Social Security financially sound for future generations.

Presidential Candidates Dodging Social Security Issue

“New Hampshire primary voters are sending a clear message to the presidential candidates that having a plan to keep Social Security strong is a test of leadership,” said AARP New Hampshire State Director Todd Fahey. “Yet, some presidential candidates are dodging the issue. Our survey confirms New Hampshire primary voters agree if a candidate thinks they’re ready to be president, they should at least be able to tell voters where they stand on Social Security’s future.”

According to AARP, the recent survey of 1,004 likely New Hampshire primary voters, was conducted by telephone from January 12 through January 16, 2016. By design, half of the respondents consist of likely Democratic primary voters (501) and half consist of likely Republican primary voters (503).

The AARP survey is part of nonprofit’s 2016 presidential election issue campaign, “Take A Stand.” In November, the nonprofit launched its its 2016 election accountability campaign initiative which demands on behalf of America’s voters that presidential candidates detail their specific positions on making Social Security financially sound.
The survey findings indicate that nine in 10 New Hampshire primary voters (93 percent Democrat and 92 percent Republican) across party lines and age groups say its important for presidential candidates to lay out a detailed plan to make Social Security financially sound for future generations. Regardless of age, nearly half or more of likely primary voters in each party think this is “very important.”

Also, more than three in four New Hampshire primary voters, across party lines and across age groups, agree that having a plan for Social Security is a basic threshold for presidential leadership. This includes 89 percent of likely Democratic primary voters and 80 percent of likely Republican primary voters.

Moreover, nearly nine in ten or more voters across both parties and age groups believe it is important that the next president and congress take action to make Social Security financially sound. This includes 96 percent of Democratic primary voters as well as 92 percent of Republican primary voters.

“If our leaders don’t act, future generations could see their Social Security benefits cut by 25 percent. That’s a $4,000 to $10,000 per year benefit cut! This survey confirms how critical it is for the next president to have a plan to update Social Security and a commitment to act on that plan,” said Fahey.

On the question of which presidential candidate they expect to vote for on February 9, the AARP survey found that among likely Republican primary voters, Donald Trump is the leading choice for president (preferred by 32 percent) with Marco Rubio preferred by 14 percent and John Kasich preferred by 13 percent However, more than one in four (26 percent) are less certain who will get their vote.

Among likely Democratic primary voters, Bernie Sanders is the leading choice for president (preferred by 59 percent), with Hillary Clinton coming in second (preferred by 33 percent. But one in five (21 percent are less certain who will get their vote.

“AARP said early on in the election cycle that Social Security is too critical a matter – and one affecting far too many people – to allow it to be skimmed over, breezed by, or paid only lip service,” said AARP Rhode Island State Director Kathleen Connell. “The presidential candidates need to take a stand on how they would update Social Security to keep it financially strong and adequate for future generations,” she says.

“Unfortunately, Social Security does not seem to be top-of-mind for candidates nor a discussion that finds its way into the debates,” says Connell, observing that some candidates, including some frontrunners, remain silent on the Social Security issue.
(You can get the very latest news and read what candidates with plans did say at http://www.2016takeastand.org.)

Connell says, “The challenge itself – keeping Social Security strong for the future – gets talked about a lot. You can be sure that when a candidate or elected federal official visits a senior center there will be a pledge (one I happen to believe has been sincere in Rhode Island) to protect Social Security.”

“You don’t hear so much about how. The devil is in the details. And, as the saying goes, ‘It’s complicated,’” adds Connell.

Older Voters Have Political Clout

From inside the Beltway, Darrell M. West, Ph.D., Vice President and Director of Governance Studies at the Brookings Institution, considers voters age 50 and over are one of the most important voting blocs in the nation. “It is a numerous group and these people vote in higher percentages than those who are younger. They often are decisive in elections and candidates have to take their views seriously,” says West.

Connell agrees about the clout of older voters. “The average age for a Rhode Island voter in the 2012 presidential election was 48.6, and that was up from 48.5 in 2010. We know that older Rhode Islanders vote in high percentages and we know that the 50+ population is grown as people live longer. But I have to say that when it comes to Social Security, voters 50 and older are united on the issue; they expect some form of accountability from the candidates on how they would lead on this issue, she says.

Anyone who thinks they’re ready to be President of the United States should be able to tell voters how they’ll keep Social Security strong,” adds Connell. “If our leaders don’t act, future retirees could lose up to $10,000 a year. Every year our leaders wait and do nothing, finding a solution grows more difficult,” she says.

Aging issues impact everyone, says Connell. “When I am asked about ‘aging issues it seems to me to indicate how people often default to a narrow view of ageing. Access to and the cost of healthcare is an issue for all ages. Taxation is an issue for all ages. Affordable housing is an issue for all ages. Protecting pensions is an issue for all ages, even for voters working in their 30s or 40s – as is the issue of Social Security. Our aging population presents a challenge to all Americans and I think you will see 50+ voters becoming increasingly liked-minded making more and more of an effort to be heard.”