2025: A Year on the “Age Beat” in Rhode Island

Published in RINewsToday on December 29, 2025

Throughout 2025, this “Age Beat” columnist published a weekly commentary covering an extensive list of aging, healthcare, and medical issues. During this year, this columnist followed Congressional debates inside the Beltway involving Medicare, Medicaid, reauthorization of the Older Americans Act, and Social Security, reporting on how these federal policy proposals would affect older Rhode Islanders.  During the latest legislative session of the Rhode Island General Assembly, policy debates on Smith Hill were also covered in my weekly commentaries, examining how the proposed bills or enacted laws would impact state programs and services serving Rhode Island’s growing older population.

After reviewing the latest U.S. Census Data, it becomes very clear that the state’s aging population continues to grow.  For more than twenty-five years, I have tracked and continue to follow the graying of Rhode Island’s population.  Through more than 50 articles published in 2025 in Blackstone Valley Call & times and its sister publications, RINewstoday, Senior Digest and other statewide outlets, these stories have decoded complicated public policy debates, and demographic trends to shed light as to how they affect the daily lives of older adults, their caregivers, and nonprofit organizations that serve them.   

Some might interpret my weekly reporting as a way that specifically looks at older adults as one group of people.  However, others might see them on how aging impacts our own family members and our neighbors, and how we all deal with real-life challenges as we get older.

 Themes from Past Year’s Coverage

 Over the past year, several themes have become clear:  the economics of growing older and financially surviving retirement; staying safe from increasing sophisticated scams, public health issues surrounding loneliness and food insecurity; limited public transportation, finding a primary care physician, and managing multiple chronic illnesses.  Many of these commentaries also looked closely at state and federal policies that led to cuts in Medicare and Medicaid; the pressure points placed on Rhode Island’s safety net; and the ongoing policy questions the Rhode Island General Assembly is asking about how to help older adults stay independent at home—not just to live  longer, but live better.

You learn very quickly that national policy debates don’t go the same way here,, if you’ve lived in the Ocean State for a while.  A change in federal requirements of the Supplemental Nutrition Assistance Program (SNAP) or changing eligibility requirements and cuts to Medicaid funding are not distant Washington stories reported by the Washington Post or New York Times especially if they affect food, meal deliveries and health care provided in Providence, Pawtucket, Woonsocket, or Westerly. A change in Medicare drug pricing is not an abstract concept if it determines whether your older neighbor can fill a lifesaving prescription—or whether your spouse’s non-drug compliance stretches pills just to make them last.

 Many of these articles were tied to timely triggers—AARP reports detailing findings of national surveys and polls, a Senate Aging Committee or Congressional hearing putting a spotlight on an aging issue, a proposed legislative proposal being considered by Congress or the Rhode Island General Assembly. But the reporting doesn’t just give a concise summary of a policy issue. The point of these commentaries is to shed light on the issues by asking: “So what does this mean for older Rhode Islanders?” Where are the funding gaps?”  “Who is being left out?  “What can be done now while larger reforms slowly grind their way forward, only to be enacted years later?”

 Many of the commentaries published this year focused on out-of- pocket costs that increase with one’s aging —especially skyrocketing medical expenses. Even when Medicare covers a significant portion of one’s care, many older adults still face overwhelming costs, from premiums and co-pays to dental and vision needs, to uncovered services and especially costly prescription drugs and nursing home care.  The reporting also examined pending questions about Medicare’s financial future, including whether the program will be able to pay beneficiaries full benefits beyond 2033, or face potential benefit cuts.  Even the Washington, DC-based National Committee to Preserve Social Security and Medicare’s call for expanding the retirement program, along with raising the cap to enable Social Security to pay its bills made it into these commentaries.

 Another common theme in this year’s published commentaries is the recognition that aging affects not only our bodies and wallets, but also our emotions and relationships as well. The past year’s reporting on the role of loneliness and isolation serves as a reminder of how harmful they can be, especially when they lead to worse health outcomes.  In these writings, the goal is not to romanticize “community” but to show how social connection and networks in a “community” can be a good way to improve one’s health.

 The commentaries on loneliness do not regard the negative emotional response as a personal deficiency but rather as a significant policy concern influenced by the persistent scarcity of affordable housing, inadequate public transportation, mobility limitations, the loss of spouses and friends, and communities designed around the use of cars rather than their pedestrian walkability or accessibility.  How we view this matters because it is the framing that shifts the discussion away from “Why don’t older adults get out more?” to “What community barriers make connections harder to make—and what public supports are needed to make community connections possible?”

 Taking a New Look at Being Age-Friendly

The commentary on “age-friendly” thinking shows how Rhode Island’s 39 cities and towns can change their programs, services, and public spaces to keep older adults engaged in their community instead of primarily isolated. The announcement that the City of Pawtucket had joined Newport, Cranston, Providence, Westerly, and Bristol to become one of Rhode Island’s Age-Friendly Network Communities is an example.  We hope to report on more communities doing the same.

Over the past year, coverage of food insecurity, and a profile on the Meals on Wheels of Rhode Island, have helped to answer bigger policy questions:  What happens when demand goes up but and payments don’t? How do people get on waiting lists?  “What does “service disruption” mean for someone living at home? And how much does it cost—both in money and in people, when these programs have to be cut back?

One of the most important things we’ve reported on this year is consumer protection, especially when it comes to scams that target older people, because they are often the ones that more easily fall for scams because they have savings and are concerned about them, aren’t as familiar with digital manipulation, or have cognitive impairment.  There are many reasons why this topic is important right now, especially with new technology being used to spread scams.  And the Rhode Island General Assembly has been quick to act.  One commentary informed readers that Rhode Island has passed a new law to crack down on Crypto ATM fraud, making it the 12th state to do so.

 The best reporting on scams doesn’t just explain the tricks and why people fall for them – it also keeps the reader updated as to how scams keep changing.  Plus, it gives you practical tips as to how to avoid them, like pausing before you respond, double-checking what you’re told, and turning to someone you trust if something feels off, verifying, and seeking trusted help before acting. I wrote about these tips in great detail.

These consumer protection commentaries didn’t blame the victims, rather by framing scams as a systemic program caused by new technology and weak verification standards. And it makes this point clear.  Scams are not just seen as financial crimes; they can also cause shame, isolation, and stress that can harm your health.

 Caregiving is also another common topic in this year’s published commentaries. Aging advocates will tell you that caregivers are the hidden backbone of providing care to those in need.  They will tell you that family members, friends, and neighbors help out in ways that would otherwise need paid services or institutional care.  An AARP report says that about 121,000 in Rhode Islanders provided unpaid care to others in 2021 – estimated to be valued monetarily at over $2.1 billion.

 These commentaries on caregiving don’t talk about it in terms of sentiment, but in terms of policy, taking a look at time costs, impact on jobs, burnout, and the lack of enough respite support. The reporting also helps to shed light on common caregiver stress, and that needing help is not a personal failure but a normal result of  demographics and underfunded state programs and services.

When National Policy Hits Close to Home

In Rhode Island, where community-based services are important  to “aging in place,” the weekly coverage has helped readers to understand the whole long-term care continuum—from home care to day care to senior centers to assisted living to nursing home care, if needed.

 At best, access to health care is uneven; transportation is a barrier to many; affordable, accessible housing is limited; and the Medicaid-funded workforce that helps people stay at home is overworked and underpaid.  Older adults are dealing with rising costs for food, utilities, and rent or home upkeep, as well as the effects of inflation.

 Although many of this year’s commentaries put the spotlight on policy issues that need to be fixed, they also provide state policy makers ideas to solve these issues.  These are advocacy groups age-friendly planning; stronger protections for consumers; smarter use of technology; and increased state funding that treats community-based supports as cost-effective interventions rather than optional add-ons.

Rhode Island Now One of 12 States Cracking Down on Crypto ATM Fraud

Published in RINewsToday on August 11, 2025

Rhode Island joins 11 other states in enacting laws or regulations to protect consumers from fraud at cryptocurrency ATMs, addressing the disproportionate impact on older adults.  According to the Washington, DC-based AARP, older adults disproportionately fall victim to Crypto ATM Fraud.

On June 17, 2025, U.S. Senate Democratic Whip Dick Durbin (D-IL), Ranking Member of the Senate Judiciary Committee, put a spotlight on this national issue at a Senate Judiciary Committee hearing entitled, “Scammers Exposed: Protecting Older Americans from Transnational Crime Networks.” At the hearing, the Illinois senator announced the introduction of the Crypto ATM Fraud Prevention Act with Senators Richard Blumenthal (D-CT), Jack Reed (D-RI), and Peter Welch (D-VT) to help end these scams.

Crypto ATMs look like normal ATMs and can be found in 45,000 locations nationwide, including grocery stores and gas stations. The key difference is that instead of depositing money with your bank, a crypto ATM allows customers to purchase cryptocurrency like Bitcoin. Crypto ATM scams led to nearly $247 million in losses in 2024, says Senator Durbin, citing an FBI report. Adults over age 60 accounted for more than 67% of the victims of reported crypto ATM fraud.

According to Federal Trade Commission data, nationwide fraud losses through crypto ATMs jumped nearly tenfold from 2020 to 2024 and surpassed $65 million in the first half of 2024.

Bipartisan Support Key to Passage of Crypto Legislative Proposals

Throughout the nation, at the state level, the burgeoning kiosk industry lacks important regulations, making crypto ATMs ripe for criminal fraud, says AARP. With support from the Washington, D.C.-based nonprofit organization advocating for America’s older adults, 11 states enacted new laws this year to combat the hundreds of millions of dollars lost annually to crypto ATM fraud.  Bipartisan support on both sides of the aisle resulted in passage of legislative proposals in these states – Arizona, Arkansas, Colorado, Maine, Illinois, Maryland, Nebraska, North Dakota, Oklahoma, Rhode Island, and Vermont.

“In state after state, AARP found lawmakers on both sides of the aisle and local law enforcement eager to work on commonsense rules that balance innovation and consumer safety,” said Nancy LeaMond, AARP Executive Vice President and Chief Advocacy and Engagement Officer, in a statement announcing successful state legislative actions. “With criminals disproportionately targeting older Americans through crypto ATM scams, we’re proud to have helped pass these laws that will better protect millions of people nationwide from having their hard-earned money stolen,” she said.

“Our law that passed the statehouse in Illinois will see consumers at crypto ATMs protected by transaction limits, required ATM registration, guidelines on refunds after fraud, and more,” said AARP Illinois State Director Philippe Largent. “We’re committed to staying on top of this issue and other modern-day fraud trends to ensure that our 1.7 million members in Illinois—and all older adults and their families—are not robbed of their hard-earned money.”

“Nebraska’s new law, which passed on March 6, is hopefully a model for other states – and perhaps even one day the nation,” said AARP Nebraska State Director Todd Stubbendieck. “We know this law is greatly needed, and when the legislation goes into effect in September, we expect it will have a significant impact in helping to deter crypto ATM fraud.”

Rhode Island Passes Protective Crypto Legislation, Too

As Sen. Durbin held his hearing, that day, June 17th,  the Rhode Island General Assembly approved legislation sponsored by Senate Artificial Intelligence & Emerging Technologies Committee Chairwoman Victoria Gu (D-Dist. 38, Westerly, Charlestown, South Kingstown) and Rep. Julie A. Casimiro (D-Dist. 31, North Kingstown, Exeter) to protect older Rhode Islanders from the rapidly growing category of scams that use cryptocurrency ATMs to defraud victims. The legislation was signed into law by Gov. Dan McKee on June 26, 2025.

The Nuts and Bolts

The legislation (S 0016A, H 5121A) states that each crypto ATM operator must register with the Department of Business Regulation as a money transmitter and is required to provide live customer service Monday through Friday, 8 a.m. to 10 p.m. Eastern Standard Time.

Daily limits would be set to $2,000 per day for new customers and $5,000 per day for existing customers. New customers are defined as utilizing the ATMs of a licensed operator for the first time and for 30 days thereafter. Existing customers include any person who has used the ATM of a licensed operator for more than 30 days after first use.

A new customer can receive a full refund if they report the fraud to law enforcement within 90 days. An existing customer can receive a refund of the transaction fees if they report the fraud to law enforcement within 90 days. In both cases, the customer must notify both the ATM operator and law enforcement.

Operators would be required to provide numerous statutory disclosures (including fees) and warnings to protect and inform users. The company must also provide a detailed paper receipt of all transactions in compliance with statutory requirements.

“Cryptocurrency ATMs are kiosks that allow users to deposit cash and easily convert it into cryptocurrency. We’ve seen victims in our own communities lose thousands of dollars when scammers direct them to send cash through these machines. Rhode Island, compared to some neighboring states, is behind the curve on regulating this new technology,” warned Gu.

“Crypto ATMs are unfortunately an increasingly common way for criminals to get away with their ill-gotten gains, and without increased regulation, this trend will only accelerate,” she said.

“Crypto ATMs look a lot like regular ATMs, and you can find them across Rhode Island in convenience stores, laundromats, liquor stores, and smoke shops. You’ve probably walked by one without even knowing it. They have no transaction limits, and once money is deposited to a scammer, there is virtually no way to recover it.  Regulation of these kiosks is long overdue. It’s our responsibility as lawmakers to protect Rhode Islanders—especially the elderly—from scammers and techno-criminals, and this legislation is an important part of fulfilling that responsibility,” said Casimiro.

“This important legislation will deter criminals from using crypto ATMs for fraudulent activity by creating important safety measures and consumer protections. Older Rhode Islanders have worked hard to save for a secure retirement. AARP applauds the General Assembly for ensuring that Rhode Islanders’ savings remain where they belong—and not in a criminal’s digital wallet,” said Catherine Taylor, AARP Rhode Island State Director.

While it was a monumental achievement to pass legislation in so many statehouses across the country, AARP continues its work to push legislative proposals in other states without anti-fraud measures to protect older adults.

To learn how to spot and avoid scams, go to:
https://www.aarp.org/money/scams-fraud/about-fraud-watch-network/

If you suspect financial fraud, report it to local law enforcement or call the AARP Fraud Watch Network Helpline at 877-908-3360. You can also visit:
https://www.aarp.org/money/scams-fraud/helpline

For more details about crypto fraud, go to:
https://www.aarp.org/money/scams-fraud/cryptocurrency/

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