Pandemic Lessons: “Essential Caregivers Act” Can’t Wait. A Merciful, Bipartisan Bill for a Voiceless Population

Published in RINewsToday on January 19, 2026

As COVID-19 spread rapidly across the country in March 2020—entering nursing homes largely through community transmission and staff movement—the Centers for Medicare & Medicaid Services (CMS) issued guidance calling for nationwide visitor bans in nursing homes. These strict restrictions barred all visitors and non-essential health care personnel, with limited exceptions for hospice care.

According to March 29, 2025 article, “Changes in Federal and State Policies on Visitation Restrictions in Nursing Homes During the COVID-19 Pandemic,” published in the Journal of Applied Gerontology, 31 states enacted statewide indoor visitation bans through executive orders between March 9 and April 6, 2020, and the end dates were between 6/15/2020 and 3/24/2021. CMS would later relax its guidance, permitting indoor visitation when facilities reported no new COVID-19 cases for 14 days and community positivity rates were low.

Charlie Galligan, a licensed criminal defense investigator in Rhode Island, knows firsthand the toll those restrictions took. He and his wife, Kerry, provided daily care for his parents for 13 years—his father, Jack, who died from Alzheimer’s disease in 2022, and his mother, Audrey, who lives with a traumatic brain injury. Balancing work with caregiving became the catalyst that pushed Galligan to lobby Congress to prevent the prolonged and unnecessary isolation of nursing home residents during future pandemics, including advocating for policies that allow designated family caregivers to visit.

“Long-term care lockdowns continued well after humane safety measures were established and family caregivers had been vaccinated,” Galligan claimed, noting that countless residents died alone as a result. “Daughters were forced to say goodbye to mothers with Alzheimer’s over FaceTime—often staring at their phones as exhausted staff struggled to provide even minimal connection.”

A Legislative Effort Revisited

The initial legislative proposal—the Essential Caregivers Act (H.R. 3733)—was introduced in June 2021 to reaffirm and enforce the right of nursing home residents to receive visits from family and friends during declared emergencies. When that proposal stalled due to the absence of a Senate companion bill, a second attempt followed the next year with the introduction of S. 4280/ H.R. 8331.  Political insiders say that these bills stalled due to the legislative process, timing, and competing priorities not because Congress rejected the process. Most recently, the Essential Caregivers Act of 2025 was reintroduced last month.

On Dec. 16, 2025, U.S. Senator Richard Blumenthal (D-CT) and U.S. Representative Claudia Tenney (R-NY) introduced bipartisan legislation in their respective chambers to prevent a repeat of the prolonged isolation and reduced care nursing home residents faced during the COVID-19 pandemic. U.S. Senator John Cornyn (R-TX) and U.S. Representative John B. Larson (D-CT) joined them in cosponsoring the Essential Caregivers Act.

The Senate bill, S. 3492, currently with seven cosponsors, was referred to the Senate Finance Committee. That same day, the companion measure, H.R. 6766, with 35 cosponsors, was introduced in the House and referred to the Ways and Means Committee and the Energy and Commerce Committee.

“Our movement to enact the Essential Caregivers Act is not led by professionals or lobbyists,” Galligan said. “We are simply a determined group of family caregivers—primarily brilliant, tenacious women from across the country, and one token guy from Rhode Island—who love our mothers and fathers and refuse to accept silence and separation as acceptable standards of care.”

Congressional Supporters Call for Passage

“During the COVID-19 pandemic, we experienced how dangerous and inhumane it is to isolate seniors and vulnerable patients from the people who care for them the most, say Rep. Tenney, in a statement announcing the introduction of the bill.  “Families were locked out, residents declined rapidly, and farm to many suffered alone,” she said.

“The Essential Caregivers Act ensures that this never happens again,” says Rep. Tenney, noting that they are loved ones, not visitors.  “They are caregivers, advocates, and lifelines. This bipartisan legislation protects dignity, safeguards patient rights, and makes sure compassion and comment sense guide our response during an future emergency,” she adds.

Sen. Blumenthal emphasized the bill’s bipartisan intent. “By allowing at least one designated essential caregiver to have safe, in-person access to their loved ones during an emergency, our legislation ensures that residents will never again face the devastating isolation experienced by so many during COVID-19,” he said.

Rhode Island Sen. Jack Reed, a cosponsor of the Senate bill, echoed that sentiment. “We want to keep people safe from germs, but we also want to keep them connected—because isolation can take a real toll on health,” Reed said. “Essential Caregivers Act would ensure that even during limited visitation, residents can still have in-person contact with a loved one.”

Sen. Sheldon Whitehouse has expressed support and is on a waiting list to cosponsor it – cosponsors are being added in bipartisan pairs. “Loneliness can take a real toll on residents of long-term care facilities,” he said. “This legislation recognizes the critical role loved ones play in supporting residents’ well-being, even during public health emergencies.”

Not yet committed to cosponsoring are Rhode Island’s two Representatives

At press time, Rep. Gabe Amo, had not yet committed to cosponsoring the bill. “I am reviewing the Essential Caregivers Act of 2025,” Amo said. “Family caregivers are the backbone of our long-term care system, and I remain committed to advancing policies that support patients, caregivers, families, and health care providers.”

Like his House colleague, Rep. Seth Magaziner (D-RI), has not yet committed to sponsoring the bill. Magaziner acknowledges the importance of allowing nursing home residents access to their loved ones and is open to considering the legislation. However, he is also working to understand what safeguards would be in place to ensure resident safety during emergencies, according to Noah Boucher, the lawmaker’s communications director.

The Nuts and Bolts

Recognizing that family members are essential to residents’ care and well-being, S. 3492 and H.R. 6766 aim to prevent the emotional, psychological, and physical harm caused by prolonged separation during public health emergencies.  This bill strikes a balance protecting public health while safeguarding the wellness of residents.

The Essential Caregivers Act requires nursing facilities receiving Medicare or Medicaid funding to participate. It guarantees that at least one designated essential caregiver may access a resident during periods of restricted visitation, provided the caregiver follows the same safety protocols as facility staff. If a resident is unable to designate a caregiver, a representative may do so on the resident’s behalf.

The legislation also affirms caregivers’ rights to advocate for residents, participate in care planning, and ensure residents’ civil rights are protected. Additional provisions address roommate rights, as well as exemptions for end-of-life and compassionate care.

Facilities must provide written justification if caregiver access is denied, with appeals overseen by state survey agencies.

The bill has been endorsed by the AARP and Consumer Voice.

Rhode Island Advocates Call for Passage

Calling for passage of the legislation, Rhode Island Long-Term Care Ombudsman Lori Light said the COVID-19 pandemic made painfully clear how critical family caregivers are to residents’ health, safety, and well-being.

“During extended lockdowns, we witnessed firsthand the profound impact isolation had on residents, including increased depression, anxiety, cognitive decline, weight loss, and loss of engagement in daily life. For many residents, family members are not simply visitors—they are essential partners in care – they provide emotional support, help residents communicate their needs, notice subtle changes in medical conditions, and advocate when something doesn’t seem right. When access was cut off, residents lost a vital layer of protection and connection. The lessons we learned during COVID-19 must guide future policy decisions,” Light said. “No resident should ever again experience prolonged isolation from the people who know them best,” said Light.

According to Deb Burton, MS, executive director of RI Elder, the isolation imposed on long-term care residents during the pandemic was devastating. While infection control was essential, she said, the complete separation of residents from their families caused profound and lasting harm. Burton, a gerontologist, noted that residents experienced rapid physical, cognitive, and emotional decline.

“Families endured anguish knowing their loved ones were frightened, confused, and alone during the most vulnerable moments of their lives. Family members are not simply visitors—they truly are essential caregivers. They provide a familiar face, a steady hand to hold, and an understanding of a resident’s routines, preferences, and communication needs. This is especially true for individuals living with dementia or other forms of memory loss, for whom familiarity and connection are critical to well-being and safety,” Burton said.

Comments from the American Health Care Association 

While expressing support for family involvement, the nursing home industry has raised concerns about certain provisions of the bill.

From Holly Harmon, senior vice president of quality, regulatory, and clinical services at the American Health Care Association: “While we wholeheartedly support family members taking an active role in their loved one’s care, there are certain provisions of this bill where we have concerns. Mainly, we believe each situation, including public health emergencies, requires a collaborative process among public health officials and stakeholders to determine the most appropriate way to keep residents safe and loved ones connected, rather than implementing a blanket, inflexible process for all situations. We hope to work with lawmakers to make improvements to these proposals as the engagement of loved ones is critical to our residents’ wellbeing.

“Despite our caregivers doing everything they could to step in for family members during the pandemic, we were deeply concerned about the prolonged isolation of our residents. Public health officials were put between a rock and a hard place on how to best protect those in long term care, and due to the vicious nature of the virus on our resident population, it was determined best to restrict visitors and social interactions. Nursing homes were required to follow these restrictions until March 2021, and even then, CMS and CDC had strict guidelines due to the ongoing spread of the virus.

“The best way to prevent this global tragedy again is for officials to prioritize long term care residents and staff during public health emergencies, so that they can remain protected, active, and engaged with their loved ones and the community.”

A Final Note…

The best way to prevent another tragedy is to prioritize long-term care residents and staff during public health emergencies, so they can remain protected, active, and connected to loved ones. We must learn from the painful lessons of COVID-19. No one should be forced to decline alone, grieve alone, or die alone because of a lack of clear policy, RIElder’s Burton added. She noted that the Essential Caregivers Act ensures that in the next public health emergency” when it could be any one of us in a facility” we will not be separated from the person who knows us best and stands ready to advocate for us.

Caregiver Galligan remains hopeful. “This is simply a merciful bill for a voiceless population”, he said.

(updated 1-21-26)

43 Days to Reauthorize the Older Americans Act

Published in RINewsToday on August 18, 2025

The clock is ticking. Funding for the Older Americans Act (OAA) is currently secured only through September 30, 2025—that’s just 43 days away. Unless Congress acts to reauthorize the law or approve new appropriations before the start of FY 2026 on October 1, funding could lapse. A bipartisan effort must be made on Capitol Hill to ensure both reauthorization and the FY 2026 budget are addressed, avoiding any interruption in services for America’s older adults.

Last reauthorized in 2020, the OAA expired during the 118th Congress. S. 4776, spearheaded by Sen. Bill Cassidy, M.D. (R-LA), chair of the Senate Health, Education, Labor, and Pensions (HELP) Committee, and Sen. Bernie Sanders (I-VT), the committee’s ranking member, passed the Senate by unanimous consent last year. However, the House failed to pass a companion measure due to unrelated political disagreements.

Two months ago, Chairman Cassidy and nine co-sponsors reintroduced the OAA Reauthorization Act of 2025. The 91-page bill, S. 2120, would renew funding and strengthen services for older Americans. It was referred to the Senate HELP Committee the day it was introduced, where hearings, markups, and a committee vote are expected. If approved, it will move to the full Senate for consideration. As of press time, a companion bill had not yet been introduced in the House.

Chairman Cassidy’s co-sponsors include Senators Bernie Sanders, Kirsten Gillibrand (D-NY, Rick Scott (R-FL), chair of the Senate Special Committee on Aging, Lisa Murkowski (R-AK), Tim Kaine (D-VA), Ben Ray Luján (D-NM), Ed Markey (D-MA), Markwayne Mullin (R-OK), and Susan Collins (R-ME).

Since its passage in 1965, the OAA has provided vital nutrition, social, and health services to millions of seniors. The legislation was originally sponsored by Rep. John E. Fogarty (D-RI) in the House and Sen. Lister Hill (D-AL) in the Senate, and signed into law by President Lyndon B. Johnson on July 14, 1965.

Strengthening Programs for the Future

Although S. 2120 closely mirrors last year’s S. 4776, there are notable differences. The legislation would reauthorize OAA programs through FY 2030 and increase funding by 18% over the next four years. It also includes measures to promote innovation, strengthen program integrity, and provide better support for family caregivers and direct care workers. The bill aims to improve services for Tribal elders and older adults with disabilities, ensuring these populations can remain active and supported in their communities.

One key provision strengthens the Long-Term Care Ombudsman Program (LTCOP). The bill would establish a full-time National Director position and require the National Academies of Sciences, Engineering, and Medicine to conduct a study of state ombudsman programs. This study would assess program effectiveness, staffing challenges, recommendations for improvement, and the adequacy of current staff-to-bed ratios. The legislation also calls for updated training standards for long-term care ombudsman volunteers.

The National Family Caregiver Support Program would also be expanded. The bill encourages easier access to caregiver services, removes barriers to obtaining help, and ensures supports are both accessible and practical. It specifically requires trauma-informed services and elder abuse prevention programs to be available, helping caregivers better manage challenges in their roles.

On elder abuse prevention, S. 2120 authorizes a clearinghouse for best practices, focusing on legal and protective services to strengthen state ombudsman programs, adult protective services, and related legal supports.

Bipartisan Support and Legislative Momentum

“The Older Americans Act is crucial in helping American seniors live healthy and independent lives in the settings they choose,” said Chairman Cassidy. “This legislation strengthens these programs, ensuring they meet the needs of older Americans now and in the future,” he says.

Sen. Scott also underscored the urgency of passing S. 2120 in a released statement. “I’m proud to help lead this bipartisan legislation to strengthen support for America’s older adults and reaffirm our commitment to helping them enjoy their golden years with dignity and independence,” he said. “As Chair of the U.S. Senate Special Committee on Aging, I understand how essential it is that more than 59 million older Americans have access to critical services made possible through the Older Americans Act. Our seniors have spent their lives building and serving this country, and this bill is one way we ensure they continue to be supported, respected, and valued,” he added.

“The OAA has been a lifeline for American seniors since its passage over half a century ago,” said Sen. Gillibrand in a statement on June 18. “This landmark legislation helps our nation’s seniors thrive by supporting programs that provide nutrition assistance, home-delivered and congregate meals, transportation, caregiver support, disease prevention, and more. We owe it to seniors to continue funding these programs so they can age with dignity and respect. As ranking member of the Senate Aging Committee, I am firmly committed to getting this bill passed with bipartisan support.”

Sen. Sanders’s statement echoed that message, highlighting the broad scope of OAA-funded services: “The Older Americans Act provides federal funding for many essential programs, including combating loneliness and isolation, job training, protections from abuse, rides to the doctor and grocery store, disease prevention, caregiver support, and help for older adults to live independently at home. Not only does the Act save lives and ease human suffering, it saves money. We can waste billions on emergency room visits and unnecessary hospital stays, or we can provide seniors with the resources they need to live healthier, more dignified lives.”

“The failure to reauthorize the OAA in 2024 had tragic consequences in 2025. One in particular was the elimination of the Administration of Community Living which runs OAA programs.  Also proposals (since rejected) to end funding for Adult Protective Services and ombudsman programs. When you are in legislative limbo bad stuff can happen. It’s time for that to end,” says Robert “Bob” Blancato, serving as National Coordinator of the bipartisan 3,000-member Elder Justice Coalition, the Executive Director of the National Association of Nutrition and Aging Services Programs and National Coordinator of the Defeat Malnutrition.

Advocacy and the Call to Action

National advocacy groups—including Consumer Voice, Argentum, the National Council on Aging, the National Association of Development Organizations, USAging, and the National Association of Nutrition and Aging Services Programs—are urging swift passage of S. 2120. These organizations stress that delaying re-authorization would put millions of vulnerable seniors at risk of losing essential supports.

With the many benefits the OAA delivers to Rhode Island’s older adults—and considering that the late Rep. John Fogarty of Rhode Island played a pivotal role in securing passage of the original legislation in 1965—it is only fitting that the state’s current senators take a leading role today. Senators Jack Reed (D-RI) and Sheldon Whitehouse (D-RI) should cosponsor S. 2120 and work closely with their Senate colleagues to ensure its passage. Since there is currently no companion measure in the House, Rhode Island’s Representatives Seth Magaziner and Gabe Amo must take the initiative—by urging their colleagues to introduce one, or by stepping forward themselves to lead the effort.

Congress must act before September 30 to prevent a lapse in funding. The well-being of millions of older Americans—and their ability to age in place at home with dignity — depends on it.

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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