Tag Archives for Catherine Taylor

Protecting your hard earned money from Holiday scammers 

Published in RINewsToday on December 18, 2023

f the Christmas holidays and consumers ramping up their holiday shopping, the Washington, DC AARP warns shoppers to be aware of the uptick of scams. A new 2023 AARP Fraud Watch NetworkTM report puts the spotlight on how criminals target consumers during the holiday season.  

According to the report, 80% of U.S. consumers say that they have experienced some type of fraud in 2023 – many occurring during holiday shopping season.  The researchers say that these scams have increased from last year’s report, from receiving fake notifications about shipments, to online ad scams, and more.

“The concerning findings from our annual survey are that fraud is on the rise and that knowledge about how to stay safe from fraud is dropping,” said Kathy Stokes, AARP Director of Fraud Prevention Programs in a December press release announcing this year’s findings. “Education plays an important role in combating fraud, but we can’t educate our way out of what is now a rampant issue,” she said.

AARP’s report noted that in 2023 significantly more consumers plan on shopping online compared to the last two years. With this increase in internet shopping, scammers often place fake ads online and across popular social media sites offering steep discounts on the hottest items. 

Although peer-to-peer payment platforms such as Venmo, PayPal, Square Cash, and Zelle, etc. have been around for awhile, they have become increasingly popular as a way to make online payments to businesses. Consumers turn to these platforms for convenience, speed and security.  

According to AARP’s findings, the use of these services have increased significantly for a second year in a row. A large majority of respondents shared they do business those, or similar, apps – such as sending money to businesses they have no previous relationship with. In the unfortunate event of fraud, these apps provide little protection to scammed consumers, warns the report.

Gift cards continue to be popular gifts, 66% of those surveyed planning to purchase them this holiday season. However, 27% of consumers have experienced either giving or receiving a gift card with no monetary value on it. “Criminals have old-school ways of manipulating cards hanging on retail racks and high-tech ways of searching online for cards with balances and draining them,” says AARP’s Stokes. “It may be safest to purchase a gift card directly from the card issuer’s website,” she notes.

In a 10-question fraud knowledge quiz that was again part of this year’s AARP survey, most respondents failed with only 28% of being able to answer only 7 or more questions correctly.   The quiz results call for the need to make consumers aware that retailers will never request your login information to provide customer support.  

AARP’s recently released report suggests: 

It’s better to use credit cards for purchasing gifts because they offer the most consumer protections of any payment method.

It’s important to regularly accept some upgrade prompts for your devices because these updates are to patch known fraud vulnerabilities.

It’s risky to do a web search for a company’s customer support network because criminals buy ads impersonating those companies. Check billing and credit card statements for customer service, use the number on the back of your credit cards, or go directly to the company by typing in their web address, like www.aarp.org.

AARP Rhode Island – Fighting Fraudsters

“AARP Rhode Island works hard every day to make sure that Rhode Islanders have all the information they need to protect themselves and their families from scams, especially around the holidays,” said AARP Rhode Island State Director Catherine Taylor. “We hold regular fraud-prevention tele-town halls, our Speakers Bureau volunteers give free Fraud Watch presentations to audiences across the state, and we fight fraud via AARP’s Fraud Watch network (www.aarp.org/fraudwatch), which provides vital information and scam alerts. Anyone can subscribe for free,” she says.

“Last summer, AARP Rhode Island held free document shredding events around the state where more than 900 people dropped off nine tons of documents,” Taylor added. “And we are so pleased that the General Assembly passed our bill to address gift card fraud this year. Retailers are now required to post warnings to consumers that it is always a scam if someone asks you to buy a gift care to pay a bill or fee.  If you can spot a scam, you can stop a scam,” she says.

Approaching holidays gives more opportunities for deception says RI Attorney General

“The best way Rhode Islanders can avoid falling victim to a scam during the holiday season, and year-round, is to stay vigilant and stay educated,” said Rhode Island Attorney General Peter Neronha. “Scammers are becoming more and more sophisticated in the way they target their victims, and the holidays provide new opportunities for deception. Rhode Islanders can and should call our office or visit our website for advice and information if they are faced with a possible scam situation.”

Watch out for text or phone scams that appear to be from UPS, FedEx, or other mail services, warns the AG’s Consumer Unit. This can be as simple as a text message stating that UPS tried to deliver a package, but was unable to do so, or as deceptive as a phone call telling a consumer they will not receive their package unless they pay money in cash or gift cards. Consumers should not click on any links they receive via text message or Facebook message from numbers they do not know.

The AG’s Consumer Unit says that paying by credit card gives consumers more protection than other forms of payment. The payment apps mentioned (Cash App, Zelle, PayPal, etc.) cannot offer the same level of protection as paying by credit card. Gifts cards and cash payments are a red flag that a consumer may be the victim or potential victim of a scammer. Do not buy from individuals who request payment outside of a trusted online marketplace’s payment system.

Always do your own research.  A consumer may be able to quickly determine whether they are being targeted by scammer from a simple online search including keywords and “scam” or “complaint.” User feedback on the Better Business Bureau website may also help consumers identify whether the company they are interacting with is legitimate or fraudulent, says the AG’s Consumer Unit.  

Before spending hard-earned money on an opportunity, good, or service that may be a scam, consumers can reach out to our Consumer Unit with questions or concerns at (401) 274-4400 (prompt 1). An investigator or attorney will get back in touch as soon as possible. Alternatively, consumers may file a complaint online at http://riag.ri.gov/forms/consumer-complaint.

To read the full 2023 AARP Fraud Watch Network Report and learn more visit: www.aarp.org/holidayscams2023

Additional Resources:

Finally, AARP Fraud Watch NetworkTM is a free resource that equips consumers with up-to-date knowledge to spot and avoid scams, and connects those targeted by scams with our fraud helpline specialists who provide support and guidance on what to do next. Anyone can call the helpline at 877-908-3360. AARP Fraud Watch NetworkTM also offers free, facilitated peer discussion groups that seek to provide emotional support for those experiencing fraud; and advocates at the federal, state, and local levels to enact policy changes that protect consumers and enforce laws.

For a copy of the U.S. Senate Special Committee on Aging, “Fighting Fraud: Top Scams in 2023, go to https://www.aging.senate.gov/imo/media/doc/fraud_book_2023__english.pdf.

AARP report: States’ care for seniors “painfully inadquate”. Major gaps in RI

Published in RINewsToday on October 2, 2023

Last week, the Washington, DC-based AARP released its latest Long-Term Services and Supports (LTSS) Scorecard, calling care provided to seniors and persons with disabilities during the last three years after the COVID-19 pandemic “painfully inadequate.”  This nine-page report detailed state specific data, finds major gaps in providing care in every state, including Rhode Island, especially in these categories:  “Housing for Older Adults”, “Home Care Costs” and “Home Health Aide Supply”. 

The LTSS Scorecard, consisting of 50 indicators, focused on: affordability and access; choice of setting and provider; safety and quality; support for family caregivers; and community integration, using data from a variety of publicly available sources, such as the Centers for Medicare and Medicaid Services, American Community Survey, and Bureau of Labor Statistics.

Many benefits of accessing the data

According to AARP, this Scorecard can be a roadmap for improving the LTSS systems and the lives of those who rely on assistance.  Many others will benefit by reviewing this data, too. Federal, state, and local policy makers can identify priorities and ensure resources are allocated equitably. Aging advocates can glean public data and hold government officials accountable. Family caregivers can identify needed resources and become actively involved in policy discussions and advocacy. Seniors relying on long-term care programs and services can learn to inspire culture change and demand available tools. Finally, employers can improve workplace policies and practices to assist caregivers and healthcare groups so they can explore public-private partnerships and alliances. 

Like the findings reported in AARP’s LTSS Scorecard in 2020, Rhode Island ranked 12th in the country in 2023, but this year’s Scorecard reveals that the state has made some progress in improving care options for older Rhode Islanders, specifically the enrollment in the Program of All-Inclusive Care for the Elderly (PACE), as well as the availability of Adult Day Services.

“The pandemic reinforced the need to strengthen long-term care for countless loved ones across the country, including here in Rhode Island,” said AARP Rhode Island State Director Catherine Taylor in a Sept. 28th statement announcing the release of the 2023 LTSS Scorecard. 

“AARP’s Scorecard shows that there are many roads to meet the needs of all Rhode Islanders who deserve the very best care, including the 121,000 family caregivers in our state. The overwhelming majority — 87% — of Rhode Islanders age 45+ would prefer to receive care for themselves or loved ones at home with caregiver assistance. Yet, our low rankings in Housing for Older Adults (51st), Home Care Costs (43rd) and Home Health Aide Supply (41st) underscore how difficult it is for them to age the way they choose. It’s time to accelerate our efforts, for the sake of saving more lives,” she says.  

RI is dead last in housing

“In particular, Rhode Island’s dismal ranking for Housing for Older Adults – dead last – points to the urgent need to increase the supply of affordable, accessible housing. We can do that by passing legislation early in 2024 to strengthen homeowners’ ability to build an accessory dwelling unit (ADU) to allow them to age in place, support a family member, or house a caregiver,” Taylor said.

A national snapshot of the LTSS Scorecard’s 2023 Data

According to Scorecard, 12 states, including Rhode Island, have enacted paid family leave laws and 18 states have paid sick day laws, which can be used to assist caregivers. AARP’s latest Scorecard also reported that only 6 states provide a tax credit for family caregivers’ out-of-pocket expenses. Rhode Island does not provide a tax credit – nor is it among the 7 states that have statewide laws protecting caregivers from discrimination in the workplace that ensure they are not unfairly treated due to caregiving duties outside of work.

Meanwhile, it was reported that dozens of states experienced declines in the number of care choices that help support family caregivers. For instance, 16 states, including Rhode Island, had declines of 10% or more in access to home health aides since 2019. 

Regarding Home and Community-Based Services (HCBS), the LTSS Scorecard reported that 11 states, including Rhode Island, had state policies that improve presumptive eligibility for Medicaid HCBS at the time of data collection, making it possible for people to go home to receive care after being in the hospital – rather than having to be admitted to a nursing home while their eligibility for Medicaid payments is being determined.

The research indicated that many states also have large numbers of people with low care needs living in nursing homes, indicating a lack of HCBS access and services. More than 20% of nursing home residents in Rhode Island have low needs – compared to 9% nationally.

Data confirms Major Workforce Crisis in nursing facilities across US

As to nursing homes and institutional care, the AARP’s 2023 Scorecard confirmed that a  major workforce crisis exists in facilities across the country. Across all states, wages for direct care workers are lower than wages for comparable occupations, with shortfalls ranging from $1.56 to $5.03 per hour. In Rhode Island, wages are $1.79 lower than other entry level jobs.   

Nationally, more than 50% of nursing staff in nursing facilities leave their job within a year (53.9% turnover rate). However, in Rhode Island, the rate is slightly better than the average, at 49.3% – with Montana, Vermont, and New Mexico experiencing the highest averages in staffing turnover.  

Staffing disparities are also a significant challenge, say researchers, noting that residents of nursing facilities with high admissions of Black residents receive almost 200 fewer hours of care per year compared to residents of facilities with high admissions of white residents. 

According to the LTSS Scorecard, only 22% of nursing facility residents live in a facility with a 5-star rating in the US – with less than the national average, about 20.2%, of Rhode Island residents living in a 5-star facility. Gaps in workforce and equity result in persistent problems in care, say the researchers. One measure, pressure sores, can be life-threatening as they can lead to bone or joint infections, cancer, and sepsis. In this measure, 10% of facility residents nationwide experienced a pressure sore.

Finally, this year’s Scorecard announced that there is progress being made to create innovative and effective alternatives to traditional nursing facility models. Specifically, the researchers say that 10 states, including Rhode Island, made strides in nursing home innovations, such as by utilizing Green House® Nursing Home availability and policies, which includes small facilities, private rooms, and other best practices.

AARP’s 2023 LTSS Scorecard identified recommendations that can fix the nation’s delivery of long-term care programs and services to enable seniors to age in place in their communities. It called for increasing support to the nation’s 48 million family caregivers, “who are the backbone of the long-term care system, providing over $600 billion in unpaid care, such as with paid leave, tax credits, and other mechanisms to address health and financial needs.”

AARP Rhode Island continues to call on the Rhode Island General Assembly to support the state’s 121,000 family caregivers by advocating for enhancements to the state’s Temporary Caregivers Insurance program.

Recommendations on enhancing Long-Term Services and Supports

The Scorecard’s recommendations also called for investing in states’ Home and Community-based Care Infrastructure, by increasing support and training for home health aides and home visits, supporting the ability to access and use medical devices and equipment, and updating key Medicaid regulations and payment models.  

To tackle the workforce crisis, a recommendation suggests that it is crucial to support both nursing facility and in-home workforce by improving recruitment and training, increasing pay, and expanding the ability of trained nurses, aides, community health workers and other paraprofessionals to take on some aspects of care. States can choose to enact and enforce staffing and related care standards.

A recommendation also calls on States to expand the use of innovative, effective models for nursing homes can improve both quality of care and quality of life, such as with smaller facilities and private rooms and to address inequities by investing to close the staggering gaps in access to quality care and facilities and staffing shortages.

(Editor’s Note:  During the pandemic, then Governor Gina Raimondo allocated $5 million towards 2 changes in nursing homes – making all rooms private and providing non-shared, private bathrooms – for all residents – efforts to follow up on this effort have not resulted in what happened to that initiative according to the RI Department of Health).

Another recommendation urges states to create multisector plans for aging and building of coalitions and age-friendly health systems, to help seniors to age in place at home by having affordable and accessible housing and transportation, improved community design, and comprehensive emergency preparedness plans.

Researchers also suggested the advancing innovation in cities, counties, and states by supporting comprehensive state- and community-wide aging plans and piloting new approaches and programs, like Green House® Nursing Homes and presumptive eligibility, that can then be scaled.

Finally, Climate Change is increasing national disasters, and the LTSS Scorecard recommends that every state have a sound emergency preparedness plan to support nursing home residents, in particular, in times of crisis – including natural disaster.

“AARP’s LTSS Scorecard shows some progress and innovation, but there’s still a long way to go before we have systems that allow people to age well, and independently, for as long as possible and support the nation’s 48 million family caregivers. It’s also clear some emerging issues deserve more attention – from whether nursing homes are prepared to confront natural disasters, to whether they have plans in place to maintain and grow their workforces,” says Susan Reinhard, Senior Vice President, AARP Public Policy Institute.

The LTSS Scorecard is a charitable project made possible by a grant from AARP Foundation, with support from The SCAN Foundation, The Commonwealth Fund, and The John A. Hartford Foundation, and has been updated every three years since 2011.

To view the full Scorecard and state-by-state information visit https://ltsschoices.aarp.org/ 

To view the Scorecard for specifically Rhode Island, go to:  https://ltsschoices.aarp.org/scorecard-report/2023/states/rhode-island.

To view Previous Scorecards (2011, 2014, 2017 and 2020) go to https://ltsschoices.aarp.org/scorecard-report/report-archive/

AARP helping RI communities become more livable with Challenge Grants

Published in RINewsToday on July 31, 2023

One might say that the Washington, DC-based AARP puts its money where its mouth is. The nation’s largest aging advocacy group recently announced that it is investing $3.6 million in 310 Community Challenge grants for quick-action projects to help these communities become more livable. AARP says its grants will improve public places; transportation; housing; digital connections; diversity, equity and inclusion; and more, with an emphasis on the needs of adults aged 50 and older.

AARP defines a livable community is one that is safe and secure, and it offers choices in where to live and how to get around. A livable community enhances a person’s independence and allows residents to age in place. It also provides a variety of opportunities for its residents of all ages, abilities, and backgrounds to participate in the community’s civic, economic, and social life.

And, a livable community also equitably serves residents of all ages, ability levels, incomes, races, ethnicities, and other backgrounds. 

“These grants continue to lead to long-term, positive changes in communities across the country,” said Nancy LeaMond, AARP Executive Vice President and Chief Advocacy & Engagement Officer in a June 28 statement announcing the grant recipients funded in all 50 states, Washington, DC, Puerto Rico and the U.S. Virgin Islands.  

“This year, we are proud to support the largest number of projects in the program’s seven-year history, which will improve residents’ quality of life through tangible changes so everyone can thrive as they age,” says LeaMond.

AARP Community Challenge accepted applications across three different grant opportunities, including existing flagship grants in addition to new capacity-building microgrants for improving walkability and community gardens. New demonstration grants will focus on improving transportation systems, with funding support provided by Toyota Motor North America, and housing choice design competitions. 

True to the programs “quick action” nature, these projects MUST be completed by Nov. 30, 2023.

AARP’s newest funded recipients

“AARP Rhode Island is committed to working with local leaders to improve residents’ quality of life through tangible changes,” said AARP Rhode Island State Director Catherine Taylor. “We are proud to collaborate with this year’s grantees as they make immediate improvements in their communities to jumpstart long-term change, especially for Rhode Islanders 50 and over.”

“We are so excited to team up with AARP and city leaders to host a series of six free neighborhood walking tours focused on pedestrian safety and accessibility for all,” said one of this year’s grant recipients, Liza Burkin, lead organizer of the Providence Streets Coalition. “’Walk, Talk n’ Chalk’ will bring Providence residents over age 50 together with local street safety advocates, their Ward Councilor, and city employees who specialize in foot travel for a tour of the neighborhood, she says.

 “Each tour will use sidewalk chalk to foster conversation and capture needed changes to the built environment that will facilitate safe walking and rolling to neighborhood destinations,” she says.

“I am extremely excited and honored to have received the AARP Grant,” says Jack Lenz, Director of Development at the Providence-based West End Community Center, Inc.  Lenz was pleasantly surprised that his application was one of 311 chosen from 3,600 submitted.

Lenz noted that this was the first funded AARP grant, chocking it off to “beginner’s luck” because he is new to fundraising. 

According to Lenz, The West End Community Center run’s one of the largest food pantries in Providence. “We see many people struggling with food insecurity as well as access to fresh produce and transportation every day,” he said, noting that this “revolutionary method of growing vegetables was particularly effective for areas with of contaminated soil. “Growing vegetables directly out of the straw bales makes growing vegetables safer,” he says.

Lenz plans to seek out other grant opportunities to continue funding this gardening initiative to make it permanent and to expand it.

“The Mount Hope Community Center is very appreciative for being selected to receive AARP’s Flagship Grant, and we are looking forward to providing our Senior group with vital computer literacy workshops,” says Helen Baskerville-Dukes, executive director of the Mount Hope Community Center.  In working with our senior group, the need for computer literacy came up in their weekly meetings, she said.  

According to Baskerville-Dukes, it is the first time she has applied for an AARP grant.  With this program up and running, she plans on continuing to seek new grant funding to continuing to offer this impactful initiative.

Since the program’s debut in 2017, AARP has awarded $12.7 million through more than 1,060 grants in nearly 700 communities reaching 100 million people. The projects have been completed across all 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands, says AARP’s website. During this time AARP with AARP Rhode Island have awarded 17 grants and some $203,522 through the program to nonprofit organizations and government entities across the state.

According to AARP Rhode Island’s website, Rhode Island’s newest grant funded recipients were:

Providence Streets Coalition (PVD Streets). “Walk, Talk & Chalk” will bring people over age 50 and civic leaders together to sketch out – literally – the plan for improving safety, mobility, and access for people of all ages and abilities in Providence. The Providence-based PVD Streets, using AARP’s Walk Audit Toolkit, will organize six walk audit assessments throughout the Capitol City. The goal is to bring aged 50 and over residents to walk with city planners, elected leaders, and neighborhood organizers.

Mount Hope Community Center (MHCC). AARP’s grant funding will allow The Providence-based Mount Hope Community Center to host a weekly seniors’ group that has expressed interest in accessing computers to help them stay connected with family and friends, access online resources, and learn new skills. This grant funding will allow MHCC to purchase laptops and create a more modern computer lab for its members. This project will provide access to technology and trainings to improve our seniors’ quality of life, reduce feelings of isolation, and promote independence and engagement.

Bike Newport. The New Port-based bicycle advocacy organization’s project, “Cycling Without Age Ride,” provides a powerful opportunity for pilots and participants to connect in conversation with each other. Bike Newport will target two principal populations: Disabled veterans of all ages and senior veterans. Bike Newport will collaborate with the Rhode Island Chapter of Disabled American Veterans (DAV) and the Rhode Island Veterans Home Community Living Center in Bristol, RI, to bring the participants together by scheduling ride outings utilizing an electric-assist trishaw called “The Chat”. This project will counteract isolation and provide outdoor adventure and camaraderie for the participating people 50-and over and disabled veterans through piloted rides, with trained volunteer pilots.

West End Community Center. This project will distribute 200 straw bales to participating community members and demonstrate how simple safe and cost effective it can be to grow their own vegetables using this revolutionary urban agricultural method. Last summer the Providence-based organization built a straw bale garden consisting of 10 bales next to its parking lot where gardening brought people coming together in to grow vegetables to share with the community.

Taking a Look at Last Year’s AARP Grant Recipients  

Last year, AARP targeted $ 44,852 to fund four Rhode Island projects located in Central Falls, Woonsocket and Providence.   

Groundwork Rhode Island and its community partners received $ 14,000 to convert an underutilized green space in Central Falls for use by residents of all ages to enjoy, by installing seating and tables for dominos and chess.

The $10,278 grant that the Downtown Woonsocket Collaborative received transformed the outside location of the Aging Well senior center into a safe, inviting space for outdoor exercise as well as creating a gathering place for Woonsocket’s age 55 and over community. 

The Providence Streets Coalition’s $12,574 grant allowed the bicycle advocacy group (for a week) to transform a parking lane into a temporary urban bike lane.

Finally, the Southside Community Land Trust used its $8,000 grant to allow its youth staff to continue its work on beautifying outdoor spaces to cultivate herbs and vegetables for seniors in Providence to enjoy.  They also will collaborate with an artist to create a cookbook that preserves senior’s traditional recipes and stories. 

Rhode Island’s 39 Cities and Towns might glean ideas to enhance their communities for older residents by looking at the “best practices” listing of AARP Challenge Grants funded over the past two years.

For more details about AARP’s Livable Community Initiative, email livable@aarp.org.

View the full list of 2023 grantees and their project descriptions at aarp.org/communitychallenge and learn more about AARP’s livable communities work at aarp.org/livable.

View the full list of 2022 grantees and their project descriptions at 

https://states.aarp.org/rhode-island/congratulations-2022-community-challenge-grantees