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Financial Fraud is Elder Abuse
Orlene Grant • Feb 12, 2024
“Be aware, Be Prepared”
The Center for Disease Control and Prevention, defines elder abuse “is an intentional act or failure to act that causes or creates a risk of harm to an older adult.” Scammers are targeting older adults at an alarming rate. During our Elder Abuse and Fraud Prevention training sessions, our law enforcement partners have shared with the audience that there is no way to litigate fast enough to eliminate the crisis. Just think, as reported by the National Center on Elder Abuse, 1 out of 10 older adults 60+ will experience some type of financial scam this year. There are many stories of financial ruin that go unreported due to embarrassment and a sense of shame for having been susceptible to the scam.
The 2024 tax filing season began January 29th. Tax season is a particularly ripe time for scammers to use pressure and deceptive tactics for financial gain. Here are some red flags and concrete steps to take to keep you safe:
- Never, ever be pressured or convinced to sign a blank tax form.
- Make certain your refund goes to your account, not your tax preparer’s
- Be alert for tax preparers making claims they can secure larger refunds than most preparers or who require the tax prep fee as a percentage of your tax refund.
- Check the credentials of the tax preparer. Use a reputable tax professional who signs and enters a preparer tax identification number (PTIN) on your tax return and provides you with a copy of the return for your records.
- Protect your personal and financial information. Don’t click links or open attachments in unsolicited emails or text messages about your tax return or those claiming to be from the IRS. These messages are fakes and could compromise your personal financial information.
Our Call To Action!!! We ask you to REPORT fraud to law enforcement. Submit Department of Treasury IRS Form 3949-A, Information Referral on line, if you suspect an individual or a business is committing fraud.
“We are all aging. Together we can prevent abuse.”
S. ORLENE GRANT, RN, BSN, MSN
President and CEO
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I enjoy going to the gym, exercising, outdoor activities, and walking the neighborhood when the weather is good. For so many of us, these activities were halted because we were housebound and instructed to adhere the social distancing mandate to prevent the spread of COVID-19. Being an avid walker, I was not too thrilled about these restrictions, so I maintained my exercise routine the best I could indoors. Believe it or not, many of us felt confined and are still struggling with the effects of physical, emotional, and cognitive challenges following months of being cooped up indoors. Do you agree? Stopping normal activities, or even mingling with other people can have a tremendous bearing on older adults especially when many of us are postponing going to the doctor for routine medical checkups because we are still afraid of becoming infected and gravely ill from the virus. Well, if we don’t address or confront these fears and issues, we are likely to face poorer health challenges and increased medical problems. So, what are our next steps? Since most of us are vaccinated and boosted, and anxious to venture outdoors again, let’s begin with scheduling our medical appointments to make sure we are physically ready to be active after being housebound for almost two years or more. If we have concerns about going to the clinic or doctor’s office, another option is to schedule a virtual visit, which is a new and convenient way to connect with healthcare professionals. Stay tuned for Part 2-Tips To Get Us Moving! Bernice Lowe Flowers, Board Member
During the coronavirus pandemic, we have become overly concerned with maintaining the six feet distance designations and wearing our masks. We are annoyed when individuals do not follow the markings for six feet; ignore the directional markings in stores; or simply refuse to wear a mask for their own or loved ones’ protection. Conscious of our potential exposure to the virus, most of us are not spending a lot of time in grocery stores. We have a list and we hurriedly go through the aisles collecting our items and rush to the checkout. We avoid eye contact with anyone, i.e., other people in the aisles, stockers, workers, etc. If anyone sneezes or coughs in our immediate area, we are devastated and give the individual the “evil eye”. While I must admit, some of my actions resemble some of the above. However, I decided that I must consciously work on undoing some of these responses. I am a social being and realized that it was not sustainable for me to continue behaving this way. (My friends have tagged me the “Pied Piper” -- knowing no strangers.) So, I have made it a concerted effort to reverse some of these unsociable behaviors while socially distancing. Even under our current conditions, mask wearing and all, we can still smile with our eyes. Eyes have been called the windows into our hearts. So, I challenge you to just imagine how your sharing a small twinkle or displaying that gleam in your eye can bring calm and joy to those you encounter. Also, think of engaging in small mindful gestures such as a little wave of acknowledgement to someone you encounter or waiting a few feet away to allow someone to grab a grocery cart in isolation. I think if we each think of how we can restore some of the social niceties that are missing in today’s environment, that we would come up with endless possibilities that will work while socially distancing. Let us take the challenge by each of us trying to restore some civility or nicety into our society by being sociable as we are socially distant.
Is it just me that think a lot of advertisements depict the 55+ community as people simply waiting at death’s door? They, in general, seem to send the message that we are lackluster; out-to-pasture; and no longer contributors to society. Nothing could be further from the truth. Some of us are still working, others are volunteering in schools, food banks, and other charitable initiatives (some a little less now due to the coronavirus pandemic); and there are those that are enjoying life by participating in activities such as marathons, skiing, swimming, dancing, cycling, etc. Based on news stories, we see more grandparents are raising their grandchildren and not missing a step to ensure that their grandchildren attend a myriad of activities; and 80+ individuals are living active lives to the fullness in so many ways, i.e., SCORE volunteers providing business advice to new entrepreneurs; obtaining college and advanced degrees; and so much more. I must admit with much amusement, I witnessed a 90+ woman in my church raise up her walker and do a little jig! Our minds are still sharp, our bodies are able, and we still participate in society in so many meaningful ways. We share our wisdom and knowledge with the next generation(s) while at the same time we re-tool ourselves to keep current with the latest technology. So, let us dispel the myths (or mis-messaging) of aging and let everyone know that, #aging it’s a good thing!
The COVID-19 pandemic has really turned all of lives upside down, coping with this new phenomenon, wearing a mask. Older adults of late have become victims to unscrupulous predators wearing a mask. Since the COVID-19 pandemic, the enforcement of masks wearing has left our older adults vulnerable targets for abuse and robbery. While they are not able to see the entire face of an individual behind the mask, at times this has caused some older adults to be less observant of their surroundings. As result older adults may be caught unaware of someone following them or aggressively moving towards them. During this COVID-19 pandemic period, please encourage your older adult family member, friends, and neighbors, to stay alert while they are venturing out into the public to take care of whatever need they might have. If you have an older adult relative, or if you know of an older adult who lives alone, please offer to run errands for them or go with them. This will help in increase their safety and ensure they are able to have their daily needs met.
Older adults and people who have severe underlying medical conditions like heart or lung disease or diabetes seem to be at higher risk for developing more serious complications from COVID-19. On the website of the Centers for Disease Control and Prevention (CDC) it is referred to as “social distancing.” I was never comfortable with that phrase because of the pictures it brings to the mind’s eye about isolation and especially about older adults in isolation. There is a difference between being alone and being isolated or lonely. Google the words cigarettes and isolation together and you will see stated many times that loneliness and social isolation can be as damaging to one’s health as smoking 15 cigarettes a day. This statement has been out for five years B.C. (before COVID). With the onset of COVID-19 and older adults being a target demographic to become ill from it, the focus on isolation has become amplified. It is important to have solutions that help each of us with social isolation while we continue to physically distance from others. And you know what? This also means each of us should commit to taking affirmative steps to help ourselves and others in a post-COVID world as well. AARP provides recommendations to help mitigate the harmful effects of isolation . Some of them are to: Connect with family, friends or loved ones. Make the effort to do it, even if you must push yourself. Just a few minutes will go a long way. Take breaks from watching, reading, or listening to news stories, including social media. Care for living things like pets or plants Take care of your body: walking inside or out, light stretching, eat as healthy as possible. Listen to music, find activities that bring joy. Find ways to laugh. Visit the AARP Foundation’s Connect to Affect to find access to other resources and to learn more about social isolation.
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