Here's A Fast Way To Build A Winning Retirement Portfolio.

Almost all of the people I have met have not planned for their retirement as one says ‘future is unforeseeable and we want to live in present ‘ but my dear friend’s future is the result of present, our present will decide our future. In contrast to the simple fact, almost all of the retiree lives a particularly active life. When we think about retirement we often think about old age, a time when you've got to give up the job and laze around at home doing nothing. We want to actually consider out planning toward retirement because after we retiree our revenue stops coming but our costs remain as it is and in a number of cases it rises with the rising inflation. Though you definitely are the best judge of the life that you would like to live, and also of the things which you want to save for, it is often best to have a look for informed help so you can be sure that you are heading in the correct direction.

They help you analyse your present position and monetary adaptability, and help suggest choices which can work in your favor. Retirement planning services take a particularly methodical, systematic approach to the entire process of planning. Pro solutions are good since they give you a new viewpoint in opposition to the generally accepted you have. As a stockholder myself I've seen first hand the changes taking place and the break to hand. I have 4 words for you. The wealth to be made is fantastic and retirements will be secured once more. And so I think the query is, Are you one of those folks? Are you prepared financially for your retirement future? Or are you one of those people that just desire more and won't accept less than the best? Which is great, do not misunderstand me. They'll be used to form a plan that may give you the amount you want at the end of your career. Or perhaps your at this point and have virtually nothing to no retirement. Hence yes you have to answer plenty of questions, but since these services are run by executives you may be be assured each answer is required so that you can retire with a pleasant amount in your pocket.

It is sweet to know that you're going to be working with a good retirement planning services that knows the correct way to successfully save for your retirement. You also have to talk about the costs and what your plans are, that's something that you can do when you meet the members of the retirement planning services. This way you are getting a better plan than when you had attempted it on your own. An alternate way to consider the difficulty would be that you have got to have some retirement funds prepared so that with the little amount of cash you have prepared, you'll be able to receive some type of revenue during every month. While folk are suggested to not take too many hazards when they know they could be losing some valuable sums of money, folks do take chances each day and therefore, they select dangerous investments which make them responsible to the simple loss of cash out of their accounts. So , they can not do too much about changing their option and stopping the loss of cash. For the ones that are ready to take more risk than normal with their money invested in retirement plans, then the best piece of information is to give them encouragement to put their cash into their stocks, because that would allow them to have a certain amount of security toward not losing cash in the long run.

How Banks, Marketers Aid Elder Scams (

How Banks, Marketers Aid Elder Scams (

July 1, 2009

Two weeks ago, I wrote about how difficult it was for our family to stop con artists from scamming an elderly relative who was convinced that he was on the verge of winning big lottery and sweepstakes prizes.

Digging into our family’s experience yielded another surprise: Some common business practices may have actually helped the scams continue, such as the sale of direct marketing lists and banks’ moves to automatically cover overdrafts—an issue that President Barack Obama has flagged for attention under his proposed Consumer Financial Protection Agency.

When our relative began to fall behind on bills, he agreed to give power of attorney to a son, who started paying the mortgage and other big bills, as well as reducing the amount available in his dad’s checking account. What the son didn’t count on was that the bank would automatically cover up to several hundred dollars a month of his father’s overdrafts, which essentially gave him more money to send to scammers. In addition, he was charged $33 for every overdraft—running up hundreds of dollars in fees. When the son called Sovereign Bank, his father’s longtime bank, he was told that the protection was standard and that he couldn’t turn it off.

Steven Mantelli, Sovereign’s senior vice president for retail banking, says the bank provides overdraft protection “on a courtesy basis” for customers, and it isn’t typically shut off. But in isolated situations, he says, the bank will stop it.

Abridged
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An interesting article. Please go to SOURCE for full-text.
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No Parental Immunity for Father Who Failed to Rescue Son from Fatal Fire
Christopher J. Hanlon, Esq., a Personal Injury Attorney A father’s failure to remove his child from a car before it burst into flames falls outside the exercise of child-rearing philosophy which the parental-immunity doctrine is intended to protect, a state New Jersey appeals could held. The three-judge Appellate Division panel reinstated a dismissed wrongful death suit by […]
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Alzheimer Families Feeling ‘Betrayed’ as Respite Centre Shuts (Ireland)

Alzheimer families feeling ‘betrayed’ as respite centre shuts

By Andrew Phelan

June 25 2009

OPPOSITION is growing over the latest hospital closure to hit the health service — the summer shutting of a newly refurbished respite care unit at Cherry Orchard.

At least 25 families caring for elderly relatives including Alzheimer’s sufferers will be affected by the imminent move by the HSE.

Fearing disruption to the respite services, they are mounting a protest campaign demanding that the closure of the Beech Unit be called off, and claiming they had been “betrayed” by the Government.

Families from Ballyfermot, Clondalkin and Palmerstown are all set to be affected and some patients claim they have been told to look for private care in homes in Harold’s Cross and Lucan.

But the HSE denied that the unit would close “indefinitely”, insisting it would be up and running as normal again in October. The Executive also said those who could not be relocated elsewhere in the hospital would be sent to nursing homes as close as possible to where they lived.

A protest was mounted outside the hospital gates on June 19. A public meeting will be held in Ballyfermot next Tuesday to discuss the planned cuts and to organise support.

Lesley Gaynor, one of the main organisers of the campaign, said he had been inundated with phone calls since the announcement was made.

godsend

Lesley and his family care for his father-in-law and mother-in-law in their house on Kylemore Road and he says the short breaks they get thanks to the respite care are “a godsend”.

A spokesperson for the HSE blamed the closure on a combination of summer being “peak holiday period” and large numbers of staff being absent on maternity leave

Abridged
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Family carers must be given the support to enable them to take regular breaks from the daunting tasks they undertake. Some studies indicated that carer’s fatigue might lead to elder abuse.
I do not thing we can begin to understand the toll of these dedicated family carers. Those in government must ensure that these carers are given the support; afterall, they are really saving the community a lot of money in undertaking those caring tasks.

………………. AC

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Plan for Long Term Care… Now… or Else

Plan for Long Term Care… Now… or Else
Fredrick Niemann, New Jersey Long Term Care Insurance Attorney “According to some sources, 60% of us will need long term care sometime during our lives. It is important for all of us to prepare for that day when we will need to help loved ones with elder care or we will need elder care for ourselves.” “It […]
Source: hnlawfirm.com

When Not to Use a Special Needs Trust
By Fredrick P. Niemann, Esq., NJ Special Needs Trust Attorney Self-Settled Special Needs Trusts are often use when a person with disabilities receives a personal injury settlement, an inheritance, equitable distribution, alimony or child support.  However, in many instances a Self-Settled Special Needs Trust is not appropriate.  A disability lawyer must make an analysis on the […]
Source: hnlawfirm.com

Assisted Living Facility Residents Can Lose Their Homes if Their Facility Stops Participating in Medicaid
Fredrick P. Niemann, Esq., NJ Medicaid Application Attorney Most people want to avoid nursing home care.  Many people believe that assisted living provides them with something better: choice, control, independence, and safety in a “non-institutional, community-based setting.”  What is not widely known is that the protections for nursing home residents provided by the federal Nursing Home […]
Source: hnlawfirm.com

No Parental Immunity for Father Who Failed to Rescue Son from Fatal Fire
Christopher J. Hanlon, Esq., a Personal Injury Attorney A father’s failure to remove his child from a car before it burst into flames falls outside the exercise of child-rearing philosophy which the parental-immunity doctrine is intended to protect, a state New Jersey appeals could held. The three-judge Appellate Division panel reinstated a dismissed wrongful death suit by […]
Source: hnlawfirm.com

Son Responsible For Mom?s Nursing Home Bill
Fredrick P. Niemann, Esq., NJ Asset Protection Attorney Many times the children of elderly clients ask whether they can be held responsible for Mom or Dad’s long term care costs.  My answer always was that there wasn’t anything to worry about unless you take your parents money.  That no longer appears to be the case. A recent […]
Source: hnlawfirm.com

Nursing Homes for Veterans
Fredrick P. Niemann, Esq., NJ Veterans Attorney Nursing home coverage for veterans is available from two sources within the Department of Veterans Affairs — the veteran’s health care system and the state veteran’s homes system. Nursing Home Coverage Through the VA Health Care System Nursing home coverage along with other long term care services such as home care […]
Source: hnlawfirm.com

The Frail Senior and Obama-Care
Fredrick P. Niemann, Esq., an Elder Law Attorney Have you been wondering if the proposed Obama-Biden “plan to lower healthcare costs and ensure affordable, accessible, health coverage for all” would provide long-term skilled nursing home care for frail seniors?  The short answer is…no! The key features of the plan focus on providing access to healthcare to “over […]
Source: hnlawfirm.com

Summit Aims to Educate Clergy Members about Elder Abuse (CA. USA)

Summit Aims to Educate Clergy Members about Elder Abuse (CA. USA)

26 June, 2009

An educational summit was held in Cupertino Thursday to train clergy members on how to look for signs of elder abuse.

According to the Mercury News, clergy members were added to a state list of “mandated reporters” five years ago and are required by law to report to authorities if they suspect abuse or neglect of seniors.

But despite the new law, organizers of the abuse summit say the problem is continuing to grow and that no reports of abuse have been filed by any clergy members in the county since then. Betty Malks, project director of the Elder Abuse and Neglect Initiative, says it is very important for churches to be educated about this issue because elders have the highest church attendance rates.

According to Malks, sixty to ninety percent of all cases involve family members. Malk says financial elder abuse is a hidden crime that often goes unreported. National statistics show only one in 100 cases are ever reported.

“That’s due to the shame and humiliation that’s involved with financial abuse especially if it’s in your family. You know, many people will say to me, ‘I didn’t raise my kids to do this,’” said Malks.

In Santa Clara County, Malks says 39 to 40 percent of all reports made to adult protective services involve elder abuse.

The Mercury News reports there are an estimated 700 churches, temples and mosques in the county. Malks hopes that by working with these faith-based organizations, more awareness will be spread about the problem.

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Elder Abuse, Fraud Reports Rising As Economy Sinks

By Mike Sever

Record-Courier staff writer

It’s the same old see-saw — as the local economy sinks, reports of elder fraud and abuse are on the rise, officials say.

The number of elder abuse cases opened last year was 60 percent higher than in 2007, according to Cathi Rufener, family assessment supervisor for the Portage County Department of Job and Family Services. And, in the first quarter of this year, the department opened upwards of 70 cases.

A total of 210 cases of elder abuse were opened last year compared to 127 in 2007, Rufener said. How high the case load goes this year “probably depends on how the economy goes, how hot it gets this summer and how cold it gets this winter,” she said.

The department is working closely with the Portage County Sheriff’s Office, which has two investigators working with Adult Protective Services.

The close collaboration is important, Sheriff David Doak said. Caseworkers and investigators will respond together in serious cases.

“They are able to pick up those cases and run with them from start to finish,” he said. “If there is an in-house perpetrator we need to get on it right away.”

People who might suspect abuse or victimization of an elderly person can report it to the CARES Line (330-296-273). It’s the same hotline used to report suspected child abuse.

Abridged
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More Elder Abuse Cases (SINGAPORE)

More elder abuse cases

Most common are physical abuse and neglect; financial abuse also on the rise

By Mavis Toh

June 7, 2009

Madam G.H. Teo has four children but wishes she had none.

The 79-year-old widow, who used to work as a seamstress, lives in a one-room flat in the Outram area and survives on the little that is left of her savings.

In May last year, she found her 48-year-old drug addict son milking her savings from a joint account. When confronted, he threw a stool at her.

He still comes back to ask for money, but her other children have not visited her in two years.

Madam Teo is a victim of neglect, and physical and financial abuse.

Help groups for the elderly worry that with the recession, such elder abuse cases will rise.

In a downturn, struggling couples with young children might neglect the needs of elderly family members, including medical and basic needs.

Ms Helen Ko, executive director of the Centre For Seniors, said: ‘When people are under pressure and financially strapped, there is a higher chance they will neglect the elderly.’

Mr Wong Lit Shoon, chief executive of the Singapore Action Group of Elders Counselling Centre, said calls to the centre were down by about 1,000 last year, compared to the more than 7,000 calls it received in 2007.

Callers request medical aid as well as report abuse.

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Families of Elder Abuse Victims Using Technology to Spread Awareness

June 29, 2009

By Thomas Gallivan

June 29, 2009

The families of elder abuse victims are using social networking sites, Facebook, Twitter and Myspace, to gain support for reform in long-term care facilities. The group, which was founded by family member’s personally affected by alleged abuse in a Minnesota nursing home, can be found by conducting a search for “Families Against Nursing Home Abuse” on any of these sites.

The group members describe themselves as being “committed to providing information and resources for the continuum of long-term care — from successful aging, to aging in the home, to assisted living, to hospice care, as well as nursing home care.”

Those interested in becoming members of the group can join online, or call Jan Reshetar at 402-4749 or Myrna Sorensen at 383-6963.

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A Call for Stiff Penalties for those who Abuse the Elderly (USA)

Stiff Penalties for those who Abuse the Elderly


Grand Rapids Press Editorial


June 19, 2009

As the population ages, the problem of elder abuse is expected to spread. Stiff penalties for abusers might help keep the problem in check.

The four-month jail term meted out this week in an Ottawa County case of shocking elder abuse has put a spotlight on a largely hidden social problem. While child abuse and domestic violence have rightly been elevated in the public eye, the abuse, neglect and exploitation of the elderly warrants attention as well. That’s especially true as the population nationally and in Michigan grows grayer.

What’s more, the jail term given Ottawa County resident Carol Maneke for leaving her father in squalid living conditions has prompted criticism about whether the punishment fits the crime. Her father, Max Canfield, 87, died in a hospital in 2006, a week after being taken out of a filthy Tallmadge Township duplex. Maneke lived in the adjacent half of the duplex and was her father’s legal guardian. According to relatives and police, he died from malnutrition-related weakness. It’s ironic and disconcerting that Maneke was sentenced on Monday, which was World Elder Abuse Awareness Day.

The authorities got involved in this case after Mr. Canfield’s granddaughter said she was not allowed to see him and became concerned about his welfare. Police and social workers found the decorated World War II veteran lying on a soiled mattress with adult diapers, trash, pop cans and animal feces all around. They had to tape and seal their pant legs before entering the roach-infested duplex.

Maneke’s prosecution on charges of vulnerable adult abuse was delayed in part because she moved to Pennsylvania and authorities had trouble finding her. She could have received up to nine months in jail, according to sentencing guidelines for her conviction on a charge of second-degree vulnerable adult abuse. Police looked at whether Maneke could be charged with some form of homicide but decided the evidence did not support it because Mr. Canfield had other medical issues that may have contributed to his decline.

Nevertheless, the high end of the more modest charge certainly would have sent a stronger message that sub-standard care for the elderly is not acceptable.

Because studies show that the most likely abusers of the elderly are their own family members, it’s a problem that can go unnoticed and unreported. National statistics suggest only one in five cases is reported.

We can all play a role in making Michigan a safe place to grow old by being as vigilant about elder abuse as we are becoming about child abuse and domestic violence. Our senior’s golden years should not be tarnished by abuse, neglect and exploitation. Those who cross the line by abusing the elderly should pay an appropriate price. Our courts should see to that.

Abridged

SOURCE: MLive.com

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State’s Democrats Seek Protection for Seniors (MI. USA)

State’s Democrats seek protection for seniors

By BARRETT NEWKIRK

THE ENQUIRER

JUNE 30, 2009

Democrats in the Michigan House of Representatives are pushing a plan to strengthen the state’s elder abuse laws.

The package of bills, dubbed the Elder Abuse Protection Plan, would increase penalties for people convicted of cheating senior citizens and increase consumer protections. Rep. Kate Segal, D-Battle Creek, is sponsoring one of the plan’s bills.

The legislation comes after some high-profile abuse cases made headlines around the state, including two Flint brothers charged with abuse this month after allegedly selling their grandfather’s prescription painkillers. Reports of elder abuse in Michigan have increased 40 percent since 1998, according to the Michigan Department of Human Services.

“What is happening in this state, it is unthinkable and unspeakable,” Segal said during a press conference Monday.

Segal’s bill would require legal guardians to report the cash and cash-convertible assets of an incapacitated person to the court.

Other bills in the plan would require employees of nursing homes and financial institutions to report suspected cases of elder abuse, make it a felony to obtain a signature through fraud or deceit, and prohibit someone charged with felony abuse to win an inheritance from the victim’s estate.

Abridged
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Plan for Long Term Care… Now… or Else
Fredrick Niemann, New Jersey Long Term Care Insurance Attorney “According to some sources, 60% of us will need long term care sometime during our lives. It is important for all of us to prepare for that day when we will need to help loved ones with elder care or we will need elder care for ourselves.” “It […]
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Details on health care legislation taking shape in Congress – Minneapolis Star Tribune

Details on health care legislation taking shape in Congress – Minneapolis Star Tribune
Gov’t plan would offer cut-rate medical premiums Senators say compromise key to health care bill 60 votes not so super for Obama, Senate Democrats Group Sotomayor advised fought job tests Under Senate health care plan, either way you pay A look at …
Source: www.startribune.com

[Guidance Overview] CMS Revision of Indexed Medicare Part D Amounts for 2010, Updated April 8, 2009
Excerpt: “In an April 6, 2009 announcement, the Centers for Medicare & Medicaid Services (CMS) revised and made final the indexed Medicare Part D standard benefit and Retiree Drug Subsidy (RDS) amounts for 2010, previously announced in an advance notice. This Capital Checkup features charts comparing the final 2010 numbers and the 2009 numbers.” (The Segal Group, Inc.)
Source: www.sibson.com

Some kids hit with Medicaid cut – Omaha World-Herald
Some Nebraska children are losing Medicaid funding for a specialized level of behavioral health care even though the state will continue paying for the same treatment for children who are state wards. State officials expect the loss in funding …
Source: www.omaha.com

Medicare Poised to Take Bigger Chunk of Social Security Checks Next Year

Medicare Poised to Take Bigger Chunk of Social Security Checks Next Year
Excerpt: “CBO estimates the basic premium will rise to $119 next year and to $123 in 2011 for those not protected by the law. In addition, the Times reports that millions of beneficiaries also could experience higher premiums for drug coverage under Medicare Part D because there are no laws that prevent such an increase.” (California HealthCare Foundation)
Source: www.californiahealthline.org

Editorial: Health care and how to pay for it (The Sacramento Bee)
As Congress begins to debate in earnest the details of health care reform, the members in Washington would do well to look toward California. The Golden State has the largest number of uninsured in the nation, and our taxpayers bear the burden of providing health care to the biggest population of people on Medicaid, known here as Medi-Cal. We’ve also been pioneers in developing new ways to …
Source: www.sacbee.com

CMS Issues Retiree Drug Subsidy User Guide and New FAQs
Excerpt: “Employers applying for the Medicare Part D retiree drug subsidy (RDS) now have additional resources on the RDS application and reconciliation process. CMS has issued a new RDS User Guide, which includes information from many how-to documents on its website. The agency also has released eight frequently asked questions addressing how to correct submitted drug costs, payment requests or retiree lists after an application has completed reconciliation.” (Mercer LLC)
Source: us.select.mercer.com

[Guidance Overview] Recent Legislation Requires Numerous Changes to Group Health Plans
Material covered includes coordination with SCHIP and Medicaid and New Privacy Restrictions in the Stimulus Package. (Troutman Sanders LLP)
Source: www.troutmansanders.com

Savings Needed for Health Expenses in Retirement: An Examination of Persons Ages 55 and 65 in 2009 (PDF)
Pages of 20 pages. Excerpt: “This report updates earlier EBRI research on estimated savings needed to cover health insurance to supplement Medicare and out-of-pocket expenses for health care services in retirement. It finds that men age 65 in 2009 retiring this year will need anywhere from $68,000?$173,000 in savings to cover health insurance premiums and out-of-pocket expenses in retirement if they want a 50?50 chance of being able to have enough money, and $134,000?$378,000 if they prefer a 90 percent chance. With their greater longevity, women will need more: a women retiring at age 65 in 2009 will need anywhere from $98,000?$242,000 in savings to cover health insurance premiums and out-of-pocket expenses inretirement for a 50?50 chance of having enough money, and $164,000?$450,000 for a 90 percent chance.” (Employee Benefit Research Institute)
Source: www.ebri.org

Our Say: Rising Medicaid costs one piece of national puzzle (The Capital)
You could say that the latest numbers on Marylanders joining the state Medicaid system indicate that changes made by the governor and the legislature are working as planned – indeed, better than planned.
Source: www.hometownannapolis.com

Some kids hit with Medicaid cut – Omaha World-Herald
Some Nebraska children are losing Medicaid funding for a specialized level of behavioral health care even though the state will continue paying for the same treatment for children who are state wards. State officials expect the loss in funding …
Source: www.omaha.com

How The White House Hopes to Control Health Care Costs
Excerpt: “Senate sources confirm that the president argued in favor of a genuinely major Medicare reform — a reform that could make Medicare the nation’s most important laboratory for health care reforms.” (Washington Post; free registration required)
Source: voices.washingtonpost.com

Lawmakers to study Medicaid fund (The Argus Leader)

Lawmakers to study Medicaid fund (The Argus Leader)
A new committee of state lawmakers will meet Tuesday in the first of a series of meetings to discuss Medicaid-related issues. The committee, called Medicaid Reimbursement Study, is led by Rep. Tim Rave, R-Baltic, and will look at reimbursement levels to Medicaid providers and other related issues. The meeting starts at 9 a.m. in the Capitol building in Pierre.
Source: www.argusleader.com

[Guidance Overview] CMS Revision of Indexed Medicare Part D Amounts for 2010, Updated April 8, 2009
Excerpt: “In an April 6, 2009 announcement, the Centers for Medicare & Medicaid Services (CMS) revised and made final the indexed Medicare Part D standard benefit and Retiree Drug Subsidy (RDS) amounts for 2010, previously announced in an advance notice. This Capital Checkup features charts comparing the final 2010 numbers and the 2009 numbers.” (The Segal Group, Inc.)
Source: www.sibson.com

American Recovery and Reinvestment Act: Summary of Health and Income Support Provisions in Conference Agreement (PDF)
3 pages. Includes information on Health insurance assistance and health information technology. (American Benefits Council)
Source: www.americanbenefitscouncil.org

How Do Medicare and Employer Coverage Compare in Meeting Enrollees’ Needs?
Excerpt: “One key issue in health reform concerns the relative roles of coverage offered through private insurance and public programs. This paper compares the experiences of aged Medicare beneficiaries with those of people under age sixty-five who have private employer coverage. Compared with the employer-coverage group, people in the Medicare group report fewer problems obtaining medical care, less financial hardship due to medical bills, and higher overall satisfaction with their coverage. Although access and bill payment problems increased across the board from 2001 to 2007, the gap between Medicare and private employer coverage widened.” (Health Affairs)
Source: content.healthaffairs.org

Our Say: Rising Medicaid costs one piece of national puzzle (The Capital)
You could say that the latest numbers on Marylanders joining the state Medicaid system indicate that changes made by the governor and the legislature are working as planned – indeed, better than planned.
Source: www.hometownannapolis.com

Man Charged With Abuse of Elderly Mother (MI. USA)

Man Charged With Abuse of Elderly Mother (MI. USA)

by LaNia Coleman

The Bay City Times

June 25, 2009

Authorities claim an 84-year-old woman had to have her foot amputated because her 54-year-old son neglected her.

District Judge Stephen P. Carras has arraigned Jonathan P. Nelson of Midland on one count of first-degree abuse of a vulnerable adult.

The victim was taken to the emergency room at MidMichigan Medical Center – Midland on May 12 where staff reported she had a fractured ankle, open wounds on one foot and dried feces on various parts of her body, earlier reports indicated.

Nelson remained jailed on $250,000 cash bond. He is awaiting a Wednesday, July 1, preliminary hearing.

At that time, a judge will decide whether sufficient evidence exists for Nelson to face charges in Circuit Court.

First-degree elder abuse is a felony that carries a maximum 15-year prison sentence.

Nelson is 16 months in to a five-year probation sentence for domestic violence, third offense, and attempted resisting and obstructing a police officer, state Department of Corrections records show.

He pleaded no contest to the charges in Midland County.

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Elder Abuse, Fraud Reports Rising As Economy Sinks

By Mike Sever

Record-Courier staff writer

It’s the same old see-saw — as the local economy sinks, reports of elder fraud and abuse are on the rise, officials say.

The number of elder abuse cases opened last year was 60 percent higher than in 2007, according to Cathi Rufener, family assessment supervisor for the Portage County Department of Job and Family Services. And, in the first quarter of this year, the department opened upwards of 70 cases.

A total of 210 cases of elder abuse were opened last year compared to 127 in 2007, Rufener said. How high the case load goes this year “probably depends on how the economy goes, how hot it gets this summer and how cold it gets this winter,” she said.

The department is working closely with the Portage County Sheriff’s Office, which has two investigators working with Adult Protective Services.

The close collaboration is important, Sheriff David Doak said. Caseworkers and investigators will respond together in serious cases.

“They are able to pick up those cases and run with them from start to finish,” he said. “If there is an in-house perpetrator we need to get on it right away.”

People who might suspect abuse or victimization of an elderly person can report it to the CARES Line (330-296-273). It’s the same hotline used to report suspected child abuse.

Abridged
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Thieving Carer Spared Prison by Forgiving Pensioner (UK)

29th June 2009

A neighbour who stole a pensioner’s life savings after becoming his carer has avoided going to jail because of the forgiveness of his victim.

Serio Fernando, 57, took advantage of the trust placed in him by frail Raymond Jones after moving into his Telford Road, St Albans home as his carer by stealing more than £4,000 from his bank in a matter of days.

Mr Jones entrusted Fernando, from Portugal, with his bank card and between January 16 and January 29, Fernando stole a total of £4,569.78.

Fernando pleaded guilty to two counts of theft at a previous hearing, and was warned he faced immediate custody.

However, when he was due to be sentenced the court was told that Mr Jones had forgiven Fernando and wanted him to continue living with him and helping him.

The court was told Fernando had brought the elderly man “back to life”.

As a result sentence was further adjourned for an impact statement from Mr Jones, while Fernando, who had been bailed to a different address was allowed to return to Mr Jones’ home.

And at St Albans Crown Court on Friday, Recorder Philip Brook-Smith imposed a 51-week suspended prison sentence – the longest sentence that can be suspended.

Fernando must also carry out 100 hours unpaid work. No compensation or costs were imposed.

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Panel Focuses on the Dangers of Elder Abuse (CA. USA)

Panel focuses on the dangers of elder abuse

By Michelle Knight

knight@theacorn.com

Esperanza Boggs, 89, lost everything after her son, David Boggs, 51, set fire to their Camarillo home and killed himself on June 11.

Described by his mother as armed and dangerous, David Boggs had been under investigation for alleged elder abuse, accused of holding his mother a virtual hostage for years in their home and embezzling $211,000 from her.

He set the home ablaze shortly after Ventura County deputies arrived at the mobile home to serve him with court papers to move out.

Esperanza Boggs’ story, although more extreme than most, is familiar to social workers who deal with the increasing problem of elder abuse in Ventura County.

To help protect the county’s growing senior population, a panel of experts recently addressed how the elderly can protect themselves from abuse, financial and otherwise, during a discussion at the Goebel Senior Center in Thousand Oaks.

Marcy Snider, coordinator of Ventura County Human Services Agency’s adult protective services, said her agency received 2,100 referrals of elder abuse last year.

“This year, we’ll easily surpass that,” Snider said.

Social workers with adult protective services investigate neglect or abuse and connect elderly victims to resources in the community. The statemandated program is voluntary, free of charge and available to those 65 and older.

Many referrals to the agency involve caregivers not taking proper care of their elderly charges, Snider said. But financial abuse of seniors has become the No. 1 complaint in the past four months, she said.

Snider described an elderly woman in the East County who was lonely and befriended by a salesperson over the phone. Eventually the salesperson scammed her out of $50,000. Scam artists have duped money from retired teachers, lawyers and other well-educated professionals.

Family members and friends have also taken advantage of the elderly, Snider said. Caregivers have bought groceries for the senior but also for themselves and have filled up their gasoline tank on the senior’s credit card. The elderly person may have poor eyesight and not notice the extra charges on the statement. A friend or family member may steal blank checks from the bottom of the senior’s checkbook so they won’t be missed right away.

To report elder or dependent adult abuse, call the 24-hour hotline at (805) 654-3200.

To talk to Pollara, call (805) 654-2505.

Abridged

SOURCE: Camarillo Acorn – Camarillo,CA,USA

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Carer Guilty of Elderly Patients Assaults (UK)

by Tom Rowley

July 01, 2009

A SENIOR carer brushed an excrement-smeared nail brush across the mouth of a care home resident.

Linda Platt also pushed another dementia sufferer, Tameside Magistrates heard.

She left court in tears after being found guilty of two counts of common assault against two residents in their 80s at Heritage House nursing home in Stalybridge. She denied the charges.

The court was told the excrement incident happened in the early hours of 30 November after one of the elderly residents had soiled her bed.

Under cross-examination from defence solicitor Richard Birtwistle, Ms Platt, 59 – who had worked as a carer for 25 years and joined Heritage House in October 2007 – told Tameside Magistrates Court: “She was screaming in her bed. She did not like her hands being touched or let anyone near her nails. I tried to talk to her and reassure her and explain in detail that her nails were dirty and demonstrate what I was going to do.”

She denied that the nailbrush had made contact with the resident’s lips. She admitted she had called her a ‘dirty girl”’ but this was not said aggressively.

But prosecutor Kirstin Beswick said Platt’s workmate Janet Judge was stood beside her and had a clear view of the incident. Ms Platt said her colleague must have ‘misinterpreted’ her actions.

Another workmate, Hazel Tetlow, complained that one week later Platt ‘manhandled’ another resident in a corridor at the home. Platt, of Warrington Street, Stalybridge, had denied she had pushed the resident.

Chairwoman of the bench, Hilary Healey, told Platt that magistrates found the evidence against her credible and cogent.

“We believe that the brush did rub against the patient’s lips but you did not ram or shove it in.”

Mr Birtwistle said Platt was on medication for depression and anxiety. Magistrates extended unconditional bail until a probation report is ready at the court on 20 July.

Platt declined to comment after leaving the court in tears.

A spokeswoman for the home said: “The health and safety of our residents is paramount and our stringent whistle blowing policies and procedures brought these matters to light. We welcome the verdict of the court, which sends out the message that the abuse of vulnerable elderly people will not be tolerated.”

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[Guidance Overview] CMS Delay of MSP Mandatory Reporting for HRAs and Provision of Other Guidance for Group Health Plans

[Guidance Overview] CMS Delay of MSP Mandatory Reporting for HRAs and Provision of Other Guidance for Group Health Plans
Excerpt: “CMS has updated the User Guide for group health plans on its Medicare Secondary Payer (MSP) mandatory reporting website. Like the earlier versions of the guide . . ., the updated version covers a wide range of topics relevant for the ‘responsible reporting entities’ (RREs) who must provide information to CMS in order to help CMS identify situations in which the plans are (or have been) primary to Medicare.” (Employee Benefits Institute of America)
Source: www.ebia.com

A look at health care plans in Congress – AOL

A look at health care plans in Congress – AOL
-A look at health care legislation taking shape in the Democratic-controlled House and Senate as President Barack Obama pushes to overhaul the system, cover nearly 50 million uninsured Americans and reduce costs. Many of the details are still being …
Source: money.aol.com

Insurers Overcharged Medicare for Prescriptions, Report Finds
Excerpt: “If you buy medicine through Medicare’s prescription drug program, you could be paying too much. The taxpayers who finance Medicare aren’t doing too well, either. Insurance companies involved in the Medicare prescription drug benefit have overcharged subscribers and taxpayers by several billion dollars, according to the inspector general for the Department of Health and Human Services. Eighty percent of the participating insurance companies owe the program an estimated $4.4 billion for 2006 alone.” (The Miami Herald)
Source: www.miamiherald.com

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