Fraud Scams for Elderly

Hi this is Anthony from Rosa’s Chante. I find it sad tht we have to even talk about this, however, senior citizens are often the targets of fraud and financial crimes. Among the reasons: Some older people have built substantial assets (including their own home and large savings accounts), they’re easy to find at home, and they can be swayed by fears of losing their financial independence. I am going to list a few scams people should watch out for.

Prize and Sweepstakes Frauds: A congratulatory phone call or letter comes informing a consumer that they have won a prize or a large sum of money in a lottery or sweepstakes. But before any “winnings” are delivered, you are told you must pay for fees, taxes, shipping and handling or other charges. Of course, the prize never comes or any products that do arrive are essentially worthless.

Telemarketing or mail fraud The U.S. Department of Justice estimates that dishonest telemarketers take in an estimated $40 billion each year, bilking one in six American consumers — and the AARP claims that about 80% of them are 50 or older. Scammers use the phone to conduct investment and credit card fraud, lottery scams, and identity theft. Scammers also use the phone to sell seniors goods that either never arrive or are worthless junk.

Charitable Donation Scams Crooks disguised as charities collect donations or money for raffles. While you think you’re helping people in need, you’re really helping con artists pad their pockets. You should make donations only to charities you are familiar with or after consulting with the Better Business Bureau (BBB), which maintains reports on national and local charities.

Home or Auto Repair Scams Someone calls or knocks at your door offering a super deal to fix your roof or driveway or repair your car. After you hand over the funds you discover the work hasn’t been completed, is of poor quality or wasn’t needed in the first place. Some scammers have billed consumers for maintenance or repairs that were never performed.
Using fraudulent legal documents. Many scammers cloak their actions in legal authority, procuring a power of attorney or will or other legal document giving them access to a senior’s property. They get seniors to sign these documents by lying to, intimidating, or threatening the seniors.

“I-Need-Your-Help” Scams Unlike the previous scams that involve selling or giving something to the victim, here the con artist is asking to receive some assistance… and in the process obtains account information or access to funds. Example: Someone claiming to be a bank examiner, bank security officer or police officer calls asking for help investigating a possible fraud by withdrawing cash from your bank account or providing account information. If the trick works, the bogus investigator can walk away with the money or use the confidential information to raid the victim’s bank account.

Be careful and do not let your elderly loved one get scammed. It took them a lifetime to save their money, we do not want to see them lose it in a mment.

Helping you Understand Medicare Prescription Coverage

Hi this is Anthoney Diaz wtih Rosa’s Chante Adult Care Living. I get asked these questions a lot about medicare prescriptions, so let me see if I can clear the air for you today.

Medicare Part D seems to be good. Way over half the physicians that have been surveyed said they think the program will result in improved quality of care. Still, many of those same professionals said the program is difficult to understand and can be confusing for patients. Doctors and pharmacists report that 95 percent of their senior patients have difficulty understanding the Medicare Part D program and over 50 percent of patients have trouble understanding how much their drugs will cost. If you’re confused about your coverage-or simply want to understand it better-the following tips may help.

 First-Talk To Your Doctor
More than 41 million seniors eligible for Medicare Part D may turn to their physicians for answers. One of the most frequently asked questions has to do with what medications are covered under each option. Most doctors can now answer questions on the spot, using mobile devices or by logging on to the Internet.

A majority of doctors are using free software applications for reference to quickly determine which drugs are covered by a specific health plan and whether there’s a generic or cheaper drug available. The software can also help doctors identify any potential drug interactions. That is important, considering that the average 75-year-old regularly takes five prescription drugs and uses several over-the-counter medications, according to a report by Alliance for Aging Research report.

Check the Web
There are a number of government Web sites available to help people sort through the more than 400 Medicare Part D prescription plans. Try checking a site such as http://www.medicare.gov or www. epocrates.com for some information about your program. Before logging on, make a list of the medications you are taking and any conditions you may have. That can make it easier to see which plan best fits your needs.

Talk to Friends and Family
In addition to checking Web sites, it’s important to talk to others about their experiences with a Medicare Part D plan. Ask your friends and family about what plan they selected, how they feel about it and what they learned. In addition, don’t hesitate to check with your pharmacist or doctor’s office staff. Your physicians may be able to help you better understand your Medicare Part D program.

Sundowners

Hi this is Anthony Diaz with Rosa’s Chante Adult Care Home. Have you heard of Sundowners? So few people know it yet Sundowners hits many elderly people, especially this with dementia and Alzheimer’s.

People with Sundowners experience periods of extreme agitation, confusion, mood swings, disorientation to time and place, hallucinations, abnormally demanding behavior during the late afternoon or early evening hours, anger, fear, crying bouts, depression, rocking, restlessness, paranoia and violence.
The exact cause of Sundowners appears to be a mystery. It was originally believed to be a result of missed day/night light cues — a malfunctioning internal biological clock — hence the sudden onset at sundown. More recent research has raised the possibility of more organic causes such as drug interactions or stress associated with lower cognitive function.

Some of the things that increase the risk of this condition is pain, fecal impaction, malnutrition, polypharmacy (taking a lot of drugs), infections, REM sleep disorders, and environmental disruptions.

For caretakers who are dealing with people who have sundowners, there are some helpful ways to deal with someone suffering from this. One of the most helpful treatments is light therapy. Keeping lights on into the hours of darkness may help. It is suggested that people get light boxes, shut the curtains by sundown and us light therapy.

Structured activities is very important. If an activity has been planned and structured in advance and is something that would definitely interest the person with Sundowners, chances are they will experience less agitation.
Very important it monitoring diet. Watch for patterns in behavior linked to certain foods. Avoid giving foods or drinks containing caffeine or large amounts of sugar, especially late in the day. Drink plenty of water!

Controlling noise. It may be helpful to reduce the noise from televisions, radios, and other household entertainment devices beginning in the late afternoon and early evening. You might want to think about music therapy which has been shown to help individuals with sundowners syndrome feel calmer.

Dealing with a loved one suffering from sundowners may become frustrating and knowing a few tips can be very helpful not only to the caregiver, but to the person they are giving care to. Be sure to talk to your caregivers doctor if you suspect Sundowners.

Of course we here at Rosa’s know about Sundowners and go out of our way to make sure our reseidents are confortable and able to handle the symptoms.