US Senate Special Committee on Aging holds its First Hearing on Menopause

Published in RINewsToday on September 21, 2026

For generations, menopause was a health issue that many women were expected to deal with on their own, quietly. Last week, the U.S. Senate Special Committee on Aging took the issue into the public discussion, holding the first congressional hearing devoted exclusively to menopause.

The Sept. 16 hearing brought congressional attention to an issue affecting millions of American women navigating perimenopause, menopause and post-menopause. Approximately 2 million more women enter menopause each year.

Menopause affects women differently, but the symptoms can upend daily life. Women may experience hot flashes, vaginal dryness, insomnia, migraine headaches, brain fog, heart palpitations, mood changes, and changes in metabolism. For some, these symptoms become debilitating, disrupting daily and work routines and quality of life.

Senate Aging Committee Chairman Rick Scott (R-FL) and Ranking Member Kirsten Gillibrand (D-NY) convened the hearing, titled “Half the Country, Zero Hearings: Meeting the Moment to End the Menopause Care Gap in America,” to examine what lawmakers call the nation’s “menopause care gap.”

Medical experts, researchers, and women’s health advocates testified about the lack of research, physician training, and access to treatment.

The Senate Aging Committee hearing was a critical step in elevating this issue to determine what’s needed to improve medical research, training, and care for women experiencing menopause,” said Gillibrand in her opening statement.

“Menopause affects half of the population. For generations, women have been told to suffer in silence. I’m done with this silence,” she said.

Even though women in midlife make up a significant portion of the U.S. population, Gillibrand called menopause “one of the most under-researched, undertreated, and under-discussed” health issues in the nation. She pointed to estimates that less than 1% of federal women’s health research funding goes to menopause.

Gillibrand also noted that about 80% of OB-GYN residents report feeling ill-prepared to discuss menopause or its symptoms. The result, she said, is that many women seeking medical care are left without adequate treatment.

Menopause care also carries an economic cost. Gillibrand cited a Mayo Clinic study estimating that menopause costs the U.S. economy $26.6 billion annually, including $1.8 billion in lost work time.

“There’s simply no excuse for the lack of resources and information to help every woman navigate menopause and the challenges that come with it,” said Scott in his opening statement.

Scott cautioned that there is no “one-size-fits-all solution.” Instead, he called for women to have access to reliable information, qualified health care providers, and treatment options that allow them to make informed decisions about their health.

Scott also pointed to hormone replacement therapy as a safe treatment option for many women, while noting that lack of education and access can make it difficult for women to obtain appropriate treatment.

“We also need providers who have the most up-to-date training and who can clearly discuss treatment options with their patients,” said Scott, pointing to the shortage of health care providers as another barrier to care.

Scott and Gillibrand also announced that they sent a bipartisan letter requesting the Government Accountability Office to examine how the federal government both coordinates and funds menopause research and care. The senators say the report could help identify remaining gaps in research, education and treatment.

More Research Needed

Federal funding for research advancing menopause care is inadequate, Dr. Jean Wactawski-Wende, a SUNY Distinguished Professor who has conducted women’s health research for more than four decades, charged.

“In 1985, the National Institutes of Health put forward a study…the report said we’re not doing enough research on women…I’d argue we are now 35 years later, and we have not come all that far,” she told the committee.

“Clinical trials are the gold standard of evidence, and we do not have enough of those trials in women, especially in postmenopausal women,” added Wactawski-Wende.

She identified four areas needing greater attention: increased federal research on women’s health throughout the lifespan; chronic disease in aging women; better education and clinical care after menopause; and greater attention to healthy behaviors throughout life.

Dr. Lynne M. Coslett-Charlton, a board-certified gynecologist who has practiced in Northeastern Pennsylvania for 27 years, pointed to the U.S. Food and Drug Administration’s recent changes to warning labels for menopausal hormone therapy as a major shift in women’s treatment.

Coslett-Charlton also voiced concern that women might get menopause advice from social media influencers instead of from qualified clinicians. This could, in turn, lead them to buy unregulated supplements and products.

She noted that the American College of Obstetricians and Gynecologists has increased its educational efforts to steer patients toward safe, evidence-based, and medically appropriate care. Coslett-Charlton and ACOG also support passage of the Advancing Menopause Care and Midlife Women’s Health Act.

Training Doctors to Treat Menopause

Jennifer Weiss-Wolf, executive director of NYU Law’s Birnbaum Women’s Leadership Center, urged Congress to make telehealth part of the solution. She told lawmakers that virtual care could help connect women, particularly those in areas without specialists, to providers knowledgeable about menopause.

But telehealth has its own barriers, she cautioned, including poor internet connectivity and inadequate insurance coverage. Weiss-Wolf also warned that physician education about menopause must improve.

“For those who started residency after 2002 — statistically that amounts to more than half of all practicing OB-GYNs in the U.S. today — the majority have not had meaningful or even any menopause training,” she said.

Weiss-Wolf called for modern clinical trials that include millennial and Gen X women, with racial, ethnic and geographic diversity. She also urged researchers to use technology better to collect data and track symptoms.

She called on lawmakers to pass three federal bills to increase research and attention to women’s health: the Advancing Menopause Care and Midlife Women’s Health Act; the Service Women and Veterans Menopause Research Act; and the Hormone Health Data and Research Act.

“I Want to Feel Like Myself Again”

“When I ask patients what they hope to get from their care, I often hear, ‘I want to feel like myself again,’” said Dr. Suzanne Silverman Fenske, an obstetrician-gynecologist and integrative medicine practitioner who has practiced in New York City for nearly two decades.

“They want their energy back, relief from anxiety, and a sense of control over a body that suddenly feels unfamiliar,” she said, adding that she

Fenske told the Senate panel that before menopause, a woman’s risk of chronic disease is generally lower than a man’s. After menopause, that risk increases. She pointed to heart disease, hip fractures and urinary sepsis among the serious health problems facing older women.

Fenske also raised an issue that receives far less attention — how physicians are reimbursed for treating menopausal women.

“There is not much incentive for physicians to take care of menopausal women,” she told lawmakers.

Fenske said low insurance reimbursement makes it difficult for independent physicians to spend the necessary time with menopause patients. Large hospital networks may be better able to absorb those costs, she said, while smaller independent practices cannot.

Like the other witnesses, Fenske highlighted the lack of minimum standards for menopause education in medical residency programs.

Fenske offered lawmakers a striking comparison: OB-GYN residents are required to complete at least 200 vaginal deliveries, but there is no comparable minimum requirement for menopause education.  She called on Congress to push Medicare and the Departments of War and Veterans Affairs to make menopause education part of accreditation standards.

Black Box Warning Changes and Challenges

Menopause treatment has received renewed federal attention under Health and Human Services Secretary Robert F. Kennedy Jr., who announced in November 2025 that the FDA would begin removing its strongest “black box” warnings about cardiovascular disease, breast cancer and probable dementia from hormone replacement therapies, including estrogen. The first six revised labels were approved in February 2026, reflecting the administration’s position that overly broad warnings had discouraged women from seeking effective symptom relief. The change does not mean hormone therapy is risk-free: treatment remains an individual decision, with the FDA emphasizing initiation of systemic therapy before age 60 or within 10 years of menopause. The boxed warning about endometrial cancer remains for systemic estrogen-only products. On September 3, the FDA said it was working with manufacturers to increase estrogen patch supplies after rising demand made them harder to find.

Rhode Island No. 1 in U.S. Menopause Workplace Protections

On June 24, 2025, Gov. Dan McKee signed into law legislation (S 0361), introduced by Sen. Lori Urso (D-Dist. 8, Pawtucket), to support women experiencing menopause under the state’s fair employment statute—making Rhode Island the first state to enact such workplace protections explicitly. Rep. Karen Alzate (D-Dist. 60, Pawtucket, Central Falls) introduced a companion bill (H 6161), which passed by concurrence.

Rhode Island law already prohibits workplace discrimination based on pregnancy, childbirth, and related conditions. This includes requiring employers to provide reasonable accommodations and protecting individuals from being denied employment opportunities or promotions—or terminated—because of these conditions. The new law adds menopause to this list of protected health conditions.

“Menopause is a difficult and personal subject that has been stigmatized in this country,” said Sen. Urso in a statement announcing the bill’s passage. “But as something that affects half our population, it’s time we recognize it as a workforce issue—especially as our workforce ages along with our population. The current lack of protections contributes to inadequate retirement savings and lost leadership opportunities for women and poses an economic challenge for employers facing workforce shortages and the loss of experienced employees,” she says.

“Menopause is not something women choose to experience, and its effects on the mind and body can significantly impact daily life and job performance,” said Rep. Alzate. “Women should not have to risk being penalized or discriminated against at work due to a naturally occurring biological transition,” she says.

Rhode Island’s new law is paving the way for workplaces that actually support women experiencing menopause—and it sets a great example for the rest of the country to follow.

A Final Note…

For the millions of women now going through menopause — and the millions more who will follow them — the Sept. 16 hearing put an issue long discussed quietly in doctors’ offices and among women themselves squarely before Congress.

Whether the hearing ultimately results in more federal research, better physician training, and improved access to care will depend on what lawmakers do next. But after generations of silence, menopause finally received its first congressional hearing.

To read Scott and Gillibrand’s correspondence to GAO on the federal government’s role in Menopause research and education, go to Gillibrand Scott GAO Letter on Menopause

To watch the Sept. 16 Senate Aging Committee hearing, go to Half the Country, Zero Hearings: Meeting… | Senate Committee On Aging.

To read about RI’s new Menopause law, go to Rhode Island First in Nation to Add Workplace Protections for Women Experiencing Menopause – Herb Weiss

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Senate Aging Panel Highlights the Importance of Financial Literacy

Published in RINewsToday on May 18, 2026

Chairman Rick Scott (R-FL) and Ranking Member Kirsten Gillibrand (D-NY) of the U.S. Senate Special Committee on Aging held a hearing last month called “Empowering Seniors Through Financial Literacy: Tools to Protect Savings, Prevent Fraud, and Promote Independence.” The hearing, held during National Financial Literacy Month, focused on the need for financial education and income security for older Americans.

The April 15 hearing lasted just over an hour and focused on improving financial and retirement security for older Americans. During his opening remarks, Sen. Scott announced the release of a bipartisan 2026 Financial Literacy Booklet to help older Americans spot and avoid scams.

At SH-216, the Senate Aging Committee confirmed its continued work to protect older adults from financial exploitation and built on earlier efforts, such as the 2025 Fraud Report.

New Resource for a Secure Retirement

The new 39-page bipartisan booklet, Guarding Your Nest Egg: A Financial Resource for Older Adults, helps older Americans manage their finances, protect themselves from fraud and scams, and plan for a secure retirement.

As Sen. Scott noted: “For so many Americans, especially our seniors, it’s hard to find the information,” Sen. Scott said in his opening statement. “And when you do find it, it’s often incredibly complicated. As a country, we have done a poor job of ensuring people know their options and what route will work best for their needs.”

Sen. Scott says financial literacy is one of the most powerful and most underused tools to protect older Americans. “When they understand how their benefits work, they make better decisions,” he says.

“When they know how to read a financial statement and recognize bad actors, they’re harder to deceive. When they understand the difference between a legitimate investment and a pitch that’s too good to be true, they protect themselves. And when they know where to turn for trusted help, they realize they are not navigating this alone,” said the Florida Senator.

Finally, Sen. Scott added, “The best part is that this doesn’t require a new government program or more federal bureaucracy.” He stressed that the solution is not more federal spending, but “clear information, trusted messengers, and a commitment to getting that information into people’s hands.”

The Senate Aging Committee’s new booklet helps readers make smart retirement and financial decisions. It covers an array of topics, including Social Security, Medicare, housing, charitable giving, disaster preparedness, and even planning for unexpected events. Throughout its pages, practical advice is given to help older adults protect their savings and avoid fraud and scams.

Sen. Gillibrand, in her opening remarks, noted that over 11,000 Americans turn 65 every day. Longer lifespans mean more years in retirement, so careful retirement planning is needed, she says, stressing that aging populations put pressure on budgets and healthcare programs at all levels.

The New York Senator mentioned a recent statement by President Donald J. Trump, who suggested that Medicare and Medicaid should be managed by states rather than the federal government. She countered that comment, noting that since Medicare and Medicaid were enacted in 1965, older Americans have come to rely on these federal programs and expect them to be in place when needed.

Sen. Gillibrand pointed out that the Centers for Disease Control and Prevention data show about 44% of adults over 65 have a disability. Many people don’t see themselves in these statistics, and some find it difficult to plan to take care of a child or adult with special needs. Even when people set financial goals and save, unexpected events can still occur, she says.

Expert Witnesses disclose Insights on Financial Literacy

The Senate Aging Panel brought four expert witnesses from the Financial Industry Regulatory Authority (FINRA), the American Bankers Association Foundation, AARP, and the financial planning community to testify at the hearing. These witnesses stressed the value of financial literacy and highlighted the growing complexity of fraud schemes. They also called for a coordinated approach that leverages education, training, partnerships, and legislation to protect older Americans’ finances.

“For older Americans, financial literacy is not a luxury; it is key for building wealth, protecting savings and preserving autonomy,” says Christine Kieffer, Interim President of the FINRA Investor Education Foundation. Kieffer explained that financial literacy helps manage financial difficulties, but it is not enough to prevent scams. It should be combined with awareness of scams, an understanding of persuasion tactics, and a coordinated approach to ensure real protection.

Sam Kunjukunju, Vice President of Consumer Education at the American Bankers Association Foundation, suggested banks protect and educate older consumers, train bankers, work with law enforcement and adult protective services, and use technology. He also called for a nationwide education campaign and federal laws allowing banks to delay suspicious transactions.

From large banks to small community banks, these financial institutions offer fraud prevention workshops, online banking training, and financial wellness seminars, and coordinate outreach efforts with community organizations, says Kunjukunju, citing several examples.

Carly Roszkowski, AARP’s Vice President of Financial Resilience Programming, shared that 64% of adults worry about having enough money to retire, and nearly one in five non-retirees have no retirement savings. She discussed the real financial challenges older adults face.

AARP provides practical, easy-to-use digital tools (calculators, guides, and other resources) that enable older adults to make informed decisions about their financial future, thereby strengthening their long-term retirement security, says Roszkowski.

“The retirement system now shifts risk to the individuals, but education and support never caught up,” said Roszkowski in her testimony, explaining that the U.S. retirement system now places primary responsibility on individuals to manage savings, investing, and turning those savings into lifelong income.

“Financial literacy works – but only when it’s practical, sustained, timely, and paired with decision support,” adds Roszkowski.

Furthermore, Roszkowski argued that since individuals now bear more risk, financial literacy should be taught throughout one’s life. This approach should cover complex decisions that must be made in later years, as well as fraud risks, drawing on trusted, accessible sources.

In his testimony, Scott Kahan, a certified financial planner, also shared his experience navigating Medicare at age 65, even after 40 years in finance, to illustrate how complex it can be.

“Many people don’t use a financial planner for retirement planning. They might think they don’t have enough money or believe free help online is enough,” says Kahan, warning that this belief is often wrong and misleading.

Getting help from skilled, ethical financial planners like CFPs is essential and should not be considered a luxury, Kahan states, describing this assistance as a lifeline for managing financial complexity and avoiding fraud.

At this hearing, the expert witnesses said that today’s scams are sophisticated schemes that use Artificial Intelligence, voice cloning, and psychological manipulation. They also pointed out how hard it is to make wise choices about when to take Social Security, enroll in Medicare, and manage savings, especially when information is complex, hidden, and difficult to find on government websites, or even biased.

The witnesses also called on banks, government, regulators, nonprofits, and law enforcement to work together to help older Americans make better financial decisions and avoid scams. They often said that information and warnings should come from trusted sources such as family, bankers, financial planners, or groups like AARP.

 A Final Note…

Hopefully, the testimony at the Senate Aging Committee hearing will push Congress to move quickly to establish a “uniform national framework” that eliminates inconsistencies among state laws and better protects older Americans from today’s increasingly sophisticated fraud and scams. Possible steps include a federal “safe harbor” law allowing banks to delay disbursements or temporarily hold transactions when fraud is suspected, the creation of new task forces focused on combating elder fraud, and increased funding for national financial literacy campaigns.

The witnesses’ testimony about scams and complex systems may prompt federal agencies, such as the Securities and Exchange Commission, the Social Security Administration, and the Centers for Medicare & Medicaid Services, to make their communications and processes easier for older adults to access.

To watch the April 15 Senate Aging Committee Hearing, go to Empowering Seniors through Financial Literacy: Tools to Protect Savings, Prevent Fraud, and Promote Independence | United States Senate Special Committee on Aging

Download/read the “Guarding Your Nest Egg, a Financial Resource Guide for Older Adults:   https://www.aging.senate.gov/imo/media/doc/guarding_your_nest_egg_a_financial_resource_guide_for_older_adults.pdf

Congress Moves on a National Anti-Scam Strategy to Protect Older Adults

Published in RINewsToday on December 8, 2025

Last month, the AARP, recognizing that the holiday season leading up to Christmas is widely viewed as “prime time” for scams targeting older Americans, released findings from its 2025 Holiday Shopping and Scams Survey. According to the AARP Fraud Watch Network, fraud aimed at online shoppers and holiday donors continues to skyrocket.

With Christmas fast approaching, millions of Americans are preparing to shop and give online. The Survey, released just nine days before Thanksgiving, reveals that a majority of U.S. adults (89%) have encountered at least one scam. These include fake notifications about shipment issues (55%), phony charity appeals (35%), misleading digital ads (39%), and even the physical theft of packages from porches (30%). More than half of adults said they received a fake shipping notice this year, while nearly four in ten encountered deceptive ads on social media.

“Criminals are relentless during the holidays, exploiting the many opportunities that come with a busy season—from shopping and traveling to charitable giving,” said Kathy Stokes, Director of Fraud Prevention Programs at the AARP Fraud Watch Network, in a Nov. 18 statement.  “Understanding how they operate is the first step toward protecting yourself and your loved ones,” she says.

Although online scams continue to rise, many consumers still prefer using debit cards—even though recouping funds taken from a victim’s bank account often takes far longer than resolving a disputed credit card charge. Still, the report shows that safer payment habits are gaining ground.

While 72% of consumers plan to use a debit card this year, credit card use is up significantly from 2024 (64%), with nearly seven in ten planning to use a credit card during the upcoming holiday season.

The survey also found that 64% of consumers who plan to purchase gift cards this season expect to buy them off the rack at retail stores, such as grocery stores or pharmacies. This continues to be a major vulnerability: 33% of U.S. adults reported giving or receiving a gift card with no balance. Fraudsters often record the card number, expose and reseal the PIN, then wait for activation before draining the funds.

Consumers are increasingly targeted through peer-to-peer (P2P) payment apps as well, with two in five users reporting that they have sent money to someone they did not know. Despite growing awareness, many people still underestimate the risks of using debit cards or fail to verify charitable organizations before donating.

New Federal Plan Aims to Protect Seniors

AARP’s survey found that 92% of respondents—across liberal, moderate, and conservative viewpoints—want Congress to do more to protect older adults from fraud. And Congress appears to be listening.

Last week, U.S. Sen. Kirsten Gillibrand (D-NY), ranking member of the Senate Aging Committee, held a Dec. 4 virtual press conference announcing the introduction of S. 3355, National Strategy for Combating Scams Act of 2025, legislation aimed at providing stronger safeguards for seniors this holiday season and beyond. This bill was referred to the Senate Judiciary Committee.  Gillibrand warned that financial scams, which cost Americans more than $16 billion last year, disproportionately harm older adults.

Throughout the event, Gillibrand underscored the economic hardship caused when older adults lose money to fraud. She noted the rapid evolution of artificial intelligence, which is enabling scammers to create more sophisticated and “hyper-realistic imposter scams” that require immediate government action.

Senate cosponsors include Sens. Rick Scott (R-FL), Mark Kelly (D-AZ), and Ashley Moody (R-FL). H.R. 6425, companion legislation is being led in the House by Reps. Gabe Amo (D-RI) and Derek Schmidt (R-KS).  Hopefully, we’ll see Rep. Seth Magaziner (D-RI) join Rep. Eleanor Homes Del Norton (D-District of Columbia) and Rep. Sarah McBride (D-DE) as cosponsors.

According to Gillibrand, more than four in ten Americans say they have lost money to scams or had their sensitive information stolen. Older adults account for an estimated 30% of financial losses, with an average loss of $83,000 per incident. Gillibrand shared the story of a 75-year-old man who received up to five scam calls each day and a senior woman who lost $39,000.

The Government Accountability Office (GAO), often referred to as Congress’s watchdog, recently identified at least 13 federal agencies conducting anti-scam efforts, each working independently under different mandates. GAO recommended that the FBI take the lead in establishing a unified National Strategy for Combating Scams. Gillibrand’s bill would give the FBI a legal obligation to implement that framework.

During the press conference, Gillibrand also addressed underreporting, noting that many victims—like her own aunt who lost $5,000 to a scammer impersonating an FBI agent—feel too embarrassed to tell family members or law enforcement. She shared the story in response to a question from Brian O’Neill, host of Newsmaker on WLEA Radio, underscoring how shame and secrecy allow scammers to continue exploiting vulnerable individuals.

“I’m proud to introduce the bipartisan National Strategy for Combating Scams Act to help make sure seniors don’t get scrooged this holiday season,” said Gillibrand. “It’s clear that we need a coordinated national strategy to tackle the increasingly sophisticated scams targeting our seniors, and this legislation would bring that to fruition. I look forward to working with colleagues on both sides of the aisle to get this vital bill across the finish line.”

Sen.Rick Scott (R-FL), chair of the U.S. Senate Special Committee on Aging, added: “Families across the country are being hammered by increasingly sophisticated scams, and Washington has been far too slow to respond. This bipartisan effort finally brings federal agencies together, cuts duplication, and creates a real national plan to protect seniors and hardworking Americans.

AARP, which represents 125 million adults age 50 and over, strongly endorses the National Strategy for Combating Scams Act of 2025. “The strategy encourages smarter use of technology, better data collection, and stronger partnerships with banks, tech companies, and law enforcement to help prevent scams and support victims. And it prioritizes making resources easier to access, providing more effective recovery for those who’ve been targeted,” says AARP’s Jennifer Jones, vice president of Financial Security & Livable Communities, Government Affairs.

House Considers Companion Anti-Scam Bill

On the House side, Rep. Amo introduces a companion measure (H.R. 6425). “Too many Rhode Islanders have been taken for a ride by scammers skimming their pockets and stealing their hard-earned money, leaving many devastated and destitute,” he said. “I’m proud to introduce the bipartisan National Strategy for Combating Scams Act to ensure we are addressing the rising scam threat in a coordinated and strategic manner.”

According to the FBI, Rhode Islanders lost $6,309,411 to senior fraud in 2024 alone. Earlier this year, Amo launched the bipartisan Stop Scams Caucus to combat financial fraud, cyber scams, and cross-border criminal networks. In Rhode Island, he also convened a roundtable discussion at the Middletown Senior Center focused on scam prevention.

The National Strategy for Combating Scams Act is endorsed by a broad coalition of national organizations, including AARP, Aspen Institute Financial Security Program, Chamber of Progress, Global Anti-Scam Alliance, Justice in Aging, the National Adult Protective Services Association (NAPSA), National Association of Social Workers, National Asian Pacific Center on Aging, National Caucus and Center on Black Aging, National Sheriffs’ Association, Stop Scams Alliance, and many others.

To view AARP’s holiday scam report, go to https://www.aarp.org/content/dam/aarp/research/topics/work-finances-retirement/fraud-consumer-protection/holiday-shopping-scams-2025.doi.10.26419-2fres.00992.001.pdf