Tag Archives for AARP

Governor’s Budget is Silent Regarding Many Senior Issues

Published in Pawtucket Times on March 24, 2003

Many of Gov. Don Carcieri’s policy initiatives can be found sprinkled throughout Fiscal Year 2004 Budget address.

While Carcieri’s 3,200-word speech identified his administration’s priorities – that is, maintaining human services, investing in education and creating jobs and fixing the state’s crumbling roads and bridges- it was silent on issues of interest to aging advocates and seniors.

At an AARP debate of gubernatorial candidates, Carcieri was asked if he would budget $15 million to overhaul the existing Medicaid payment system. The additional funding would greatly improve the quality of care and services provided to 10,000-plus nursing home residents.

With this additional $ 15 million in state funding, the federal government would pick up another $ 15 million, for a total increase of $ 30 million.

At the debate, Carcieri acknowledged it would be difficult to find $15 million to fix the system because of the state’s looming budget deficit.

After a first read, Alfred Santos, executive director of the Rhode Island Health Care Association, found the recently released administration budget did not allocate the $ 15 million in new funding to allow nursing facilities to be reimbursed for the actual cost of care that they provide to frail residents.

Santos hopes to schedule a meeting with Gov. Carcieri and his policy staff to discuss Medicaid reimbursement and staffing issues.

“One of the biggest disappointments for seniors in the governor’s budget is his failure to include funding to allow more low-income persons to choose Medicaid waiver-funded assisted living,” noted Maureen Maigret, who serves as Lt. Governor Fogarty’s director of policy and executive director of the state’s Long-Term Care Coordinating Council.

“This has been a priority for the senior advocacy community, and the governor was supportive of this funding during his campaign,” says Maigret.

Maigret told All About Seniors that more than a year ago, the federal government had approved an additional 180 units in the state’s Medicaid assisted living waiver to respond to Rhode Islander consumer demands.

“Failure to fund these units is short-signed in terms of saving taxpayer dollars and denies low-income seniors the option to choose a less restrictive care setting,” said Maigret, who calls the state’s current assisted living waiver program a great success.

According to Maigret, in the last fiscal year, there was a decrease in state-funded nursing home use of about 50,000 days and an increase in Medicaid funded Assisted Living of about the same number of days. “We have reached the funding cap for these Medicaid-funded assisted-living units and have a waiting list of 35 persons,” she said, noting that some of these persons will now be forced to enter nursing facilities at twice the cost of the state.

Meanwhile, Maigret added that the governor’s budget does not address the dire need of more regulatory staff in the Health Department to monitor assisted living and enforce state standards.

On the other hand, the Rhode Island Pharmaceutical Assistance for the Elderly Program (RIPAE) is intact, Maigret said.

“With the costs of prescription drugs increasing at such alarming rates, RIPAE is a vital safety net for thousands of Rhode Island seniors.

Maigret noted that changes this year in Blue Chip and United Health senior plans may further impact many seniors’ accesses to prescription drugs, as these plans have new features which limit benefits for brand name drugs. Legislation proposed by Fogarty and introduced by Sen. Elizabeth Roberts and Rep. Peter Ginaitt will address this pharmaceutical issue, she said.

Finally, Maigret said senior advocates must watch other areas of the state budget that will ultimately impact seniors. Some community grants, such as those that support senior centers, are targeted for 10 percent cuts. While nursing homes are in line for an annual cost of living increase (COLA) in their Medicaid rates, no similar COLA is included for home and community care providers.

Maigret added the governor’s budget cuts about $ 10 million (state and federal funds) to continue its efforts of downsizing the Eleanor Slater Hospital Cranston campus, with a proposal to close two more wards. To offset these closures, the budget includes about $ 800,000 to fund about 20 more nursing home placements and new funds to increase capacity to serve persons with mental illness in community residential settings.

The push to get residents back into the community concerns Roberta Hawkins, state ombudsman and executive director of the Alliance for Better Long-Term Care. She opposes the closure of wards because there are persons in the community who require a higher level of care, a level that is only available at the Eleanor Slater Hospital.

Hawkins noted the administration budget does not include Medicaid funding to pay for dental services to seniors in the community and those residing in nursing facilities.

“The short-sidedness of this fiscal policy ultimately will increase care costs when the resident must be hospitalized for malnutrition, dehydration and bed sores, all caused by dental problems,” Hawkins said. “On a human level, who would want to constantly suffer from pain all night because of a toothache or gum problems?” she added.

Sandy Centazao, president and CEO of Meals on Wheels of Rhode Island, is still waiting to see if Carcieri will ultimately institutionalize her nonprofit group’s funding rather than continue to allocate it as a legislative grant. She expects this decision to be made before the enactment of the state’s FY 2004 budget on July 1.

With a looming recession and a nation at war, Carcieri and the General Assembly must ultimately make difficult decisions as to how to slice the state’s FY 2004 budget. The state’s final budget must  provide the funding and adequate resources to enable long-term care providers to take care of the state’s burgeoning older population. It’s the right thing to do, even n times of uncertainly.

The Best Of…Many Opting to Pre-Plan, Pre-Pay for Funerals

Published on February 1, 2003

             For me, it was stressful attempting to get my elderly father and my mother with dementia to enter into a pre-need agreement funeral arrangement.  After all, my three siblings and I were only trying to give our parents the opportunity to have a say in their minute details of their final arrangements.

            With my confused mother at his side, my father choose their caskets like he was purchasing a new car.  He checked under the lid, throughly examined the lining and the wood.  Ultimately, he would not buy the cheaper model, but he chose a nice one, a little higher on the price list.

            Of course, my father told the funeral director their services would be held at Temple Emanuel  with the family Rabbi presiding.  But what type of music, vocal or instrumental did they want played?  Or did they want a visitation or to name their  pallbearers.  Closed or open casket?  All these decisions might have been made right there on the spot, but in the end my father backed out.

           A little technicality over paper work derailed the process, causing my father to not sign on the dotted line and walking out of the funeral home in a huff.

           My father’s experience was not the norm because most aging baby boomers make it through the most stressful process of pre-planning and pre-paying in advance.

           According to a 1998 AARP survey, two in five people age 50 and older reported that they were contacted about the advance purchase of funerals.

           About one-third of those responding said that they had prepaid, or were in the process of prepaying, for funerals or burials.  Of this group, 86 percent had prepaid for cemetery plots, mausoleums, or niches, 58 percent had paid for other burial goods or services and 40 percent had prepaid for funeral services.

          For those prepaying for funerals, 30 percent had funds in trust and 30 percent had funds in life insurance policies.  Sixty percent held title to a cemetery plot, and 15 percent said they had that money in a life insurance policy.

         Ted Wynne, funeral director of Pawtucket-based Manning-Heffern Funeral Home, sees a transient society where children are living in different states, fueling the demand for pre-planning and prepayment.  “Seniors want to take the pressure off their children who live thousands of miles away from making the burial arrangement,” Wynne says.  “Thus, they pay up front or set aside money for future funeral and burial payments.”

        Bradford Bellows, funeral director of D.W. Bellows & Sons, Pawtucket and Bellows-Falso Funeral Chapel in Lincoln, says the seniors in nursing  homes are also good candidates for prepaying a funeral.

        “The family watches their parents’ funds dwindle to a point where they are forced to go on Medicaid.”  Prior to being eligible for Medicaid, the senior or their children should prepay the funeral costs.  Assets given the funeral home are allowed under Medicaid eligibility guidelines prior to going on Medicaid.

           “Consumers must understand that pre-arranging a funeral is not the same as pre-paying one,” Bellows adds.

            By pre-paying a funeral you are actually paying  for a funeral at today’s prices, not tomorrow’s, Bellow says.  “If the funeral occurs in the future, the funds will earn interest which will be used to pay for the cost of the funeral at the time of the death.”

           Bellows offers these tips when pre-paying your funeral.

           1.  Make sure that your social security number is indicated on your savings account or insurance policy where the monies are placed to prepay your funeral.  If the funeral home ever goes out of business or goes bankrupt, the funds are still yours and are safe, and can be easily be transferred to another funeral home.

          2.  When you enroll in the Medicaid program, all the funds in your prepayment account must be used.  Any excess funds will be returned by the  funeral home to the State of Rhode Island, to defray health costs incurred by the state of Rhode Island’s Medicaid program.

         3.  Once the funeral home opens the account or insurance policy, don’t forget to get a copy of the Irrevocable Funeral Trust Agreement, showing the bank or credit union account or the original insurance policy that was issued.  This will give you proof that your advance payment has been set up for your funeral needs.

          Herb Weiss is a Pawtucket-based freelance writer who covers, aging, health care and medical issues.

AARP Works to Get the Vote Out

Published in the Pawtucket Times on October  21, 2002

AARP is flexing its political muscle.

While it’s not endorsing political candidates from either the Republican and Democratic ranks, one of the nation’s largest membership groups is moving swiftly to educate its members on key aging issues and directing  resources to get the vote out on Election Day.

AARP CEO Bill Novelli has begun the mobilization of his 35 million-plus members to hold all political candidates accountable in the upcoming elections. With the bipartisan gridlock that keeps a law from being enacted to lower skyrocketing drug costs and to provide drug coverage in Medicare, Novelli and his aging rank and file are just plan tired of promises. I can just imagine hearing him shout from AARP headquarters in Washington, D.C. “We are not going to take it anymore!”

This month, AARP begins to take steps to prod the political candidates to become more responsive to aging issues before Nov. 5 elections.

Over the next two weeks, AARP will begin a first-ever national voter education campaign on television. Aimed at voters age 50 and over, the advertising campaign’s get-out-the-vote message calls for the need of a Medicare drug benefit and the importance of Social Security to seniors.

On the issue of Social Security, the message says: “After all you’ve done to earn a paycheck, make sure some of it will be there when you retire. Know where the candidates stand on the future of Social Security and vote.”

Meanwhile, 50 candidate forums, like the one recently held in Warwick by AARP Rhode Island have already been held to enable older votes to directly question local candidates. AARP plans to hold an additional 20 events before Nov 5.

Here’s the rationale for AARP hosting the forums – seniors want detailed information and no longer want to learn about a candidate’s position and priorities in a 30-second sound bite or in a paragraph on a glossy campaign brochure.

Additionally, all congressional candidates will be asked to sign a new Medicare prescription pledge, promising that if they are elected, they will enact a benefit that is voluntary, stable and affordable in 2003.

A warning to the incoming politicians – keep your word. The names of candidates who do – and don’t- agree to sign this Medicare drug pledge will be made public, too.

More that 8.5 million AARP voter guides will be printed, detailing up-to-date information where candidates stand on senior issues. Localized election information on state and national races nationwide will also be made available on a comprehensive website  at http:/www.aarp.org/elections2002.

AARP will even fund Election Day polling, where voters in selected districts will be asked about the defining issues that influenced their votes. The results of this polling will signal to those  elected to Congress what priorities they will face when they begin their new terms in January 2003.

Finally, phone banks where an estimated 500,000 telephone calls will be made will assist AARP’s efforts to get out the vote on Election Day.

If AARP is successful in getting its political savvy and educated membership to the polls, political candidates had better listen to their concerns.

“Older voters participate in elections at a higher rate than any age group,” said AARP Director of Grassroots and Elections Kevin Donnellan, noting that the mid-term elections, where overall voter numbers are low, the percentage senior voting is higher.

Furthermore, Donnellan said in the 1998 mid-term elections, more than 60 percent of the voters were 45 and older. More than 70 percent of AARP members typically vote, he added.

AARP grassroots efforts might even become a factor in tight races, specifically deciding who goes to Washington and who stays at home, Donnellan says.

“Now that we are down to the wire to Election Day, AARP Rhode Island joins AARP nationally to urge Rhode Island seniors to demonstrate once again that they are the most dependable and consistent group of voters,” says Kathleen S. Connell, state director of AARP Rhode Island told All About Seniors.

“It is important that seniors exercise the power of the ballot box to convey the message that the time for action is now,” adds Connell.

The political fate of gubernatorial, congressional and state-wide candidates may well rest in the hands of AARP Rhode Island, which is now mobilizing its 125,000 members to get out and vote next month.

Combine the successful Senior Agenda/Election 2002 Project, recently spearheaded by the Gray Panthers of Rhode Island, working in collaboration with the Rhode Island Minority Elder Task Force, and hundreds of thousands of Ocean State seniors have become a knowledgeable and educated voter block.

Understanding the immediate and future needs of Rhode Island seniors may well become the ticket to statewide or national office inside the Capitol Beltway, when the dust settles after the  Nov. 5 election.