Episode Transcript
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Speaker 1 (00:01):
Welcome to Get Connected with Nina Del Rio, a weekly
conversation about fitness, health and happenings in our community on
one oh six point seven Light FM.
Speaker 2 (00:12):
Thanks for listening to Get Connected. I don't know if
you're aware, but New York State has one of the
largest populations of adults over sixty, and the older population
is growing faster than any other group. So I'm very
pleased to welcome Beth Finkel back to the show. She
is the AARP New York State Director. We'll talk about
their work on behalf of New York's growing number of
seniors and caregivers. And while it's a year round topic,
(00:35):
during the holidays, it's especially important to talk about scams
and fraud prevention for seniors. Beth Finkel, Welcome back to
the show.
Speaker 3 (00:43):
So good to be here. Thank you.
Speaker 2 (00:44):
The website is AAARP dot org. A lot of people
know AARP. There's a nationwide presence. The organization has nearly
thirty eight million members, but they may not know AARP
New York, so I thought we'd start there. Beth, how
does AARP you focus on older New Yorkers?
Speaker 4 (01:02):
Well, our mission really is to make sure that people
can as they age make the decisions that they want
to make for how they age. So that sounds really simple,
but in today's complicated world, we're talking about a combination
of affordability, which you hear about everything if you don't
have enough money to make the decisions that you want
(01:25):
to make, where you live, how you get your healthcare,
how you get if you need caregiving, how you get that.
Everything about your life, you know, it can be wrapped
up in that.
Speaker 2 (01:37):
And regarding caregiving, AARP and the National Alliance for Caregiving
just published a new report on that topic. What were
some of the key findings.
Speaker 4 (01:47):
Well, those of you are in New York State, you
might want to know you got a lot of company if.
Speaker 3 (01:52):
You're a caregiver. There are over four.
Speaker 4 (01:55):
Million caregivers in New York State, which is an astounding number,
and it's actually equal to about a quarter of all
adults across the state are actually actively involved in caregiving
for a loved one. And we're not talking about paid caregiving,
hear it, That's an important distinction. We're talking about people
who want to help their loved ones remain in their
(02:18):
own homes and communities that they help to build. They're
doing this out of love and respect for their loved ones.
And it could be a spause, It could be a sibling,
it could be an aunt or an uncle, or a grandparent,
it could be any of those. But they're working really
hard to try to maintain people in their own homes
(02:39):
and communities. These people have worked their whole lives and
want to remain in these homes and communities that they
feel connected to and that they built up.
Speaker 2 (02:49):
The Sandwich generation thing is very real.
Speaker 4 (02:51):
And a third of these caregivers or Sandwich generation, and
you know that frenzy of being in the middle that
your children need you, your parents need you, and matter
of fact, your grandchildren might need you. Because we're living
in multi generational families now. It's you know, people, thank God,
are living longer. I don't know if you saw with
(03:13):
the average life expectancy in New York just went up.
It's well over the age of eighty, which is amazing.
What a great health bonus we're all getting right, But
at the same time, there's challenges to aging.
Speaker 2 (03:27):
New York State legislators head back to Albany next month.
What proposals will you be bringing to lawmakers that will
help some of these caregivers.
Speaker 4 (03:36):
I think the most important part is that we need
more money to be put into home and community based services.
And what that means is those basic things that can
help people live in their homes longer. So it could
be a home delivered meal, it could be transportation services
to the doctor. It could be putting a ramp in
(03:57):
to somebody's home with home improved moments. It could be
help with medical appointments, but also helping administer family caregivers
are often you know, need to administer medicines and things.
So there's just so many things that are in there
that cost family caregivers money out of their own pocket.
(04:19):
So there's two issues here. One is we need more
money funneled into the counties that they can go into
county offices for the aging to supply more help to
folks who are not necessarily a medicaid but people who
are a lower income, middle class or really feeling the
squeeze right now, and with just a little bit of help,
(04:40):
it can keep them in their own homes and if
they don't get that help, they're going to end up
having to go into institutional care. Average the nursing home
bed in New York State is over Medicaid bed is
over one hundred and twenty thousand a year.
Speaker 3 (04:57):
Actually think it's a bit more than that.
Speaker 4 (04:58):
Now medicate dollars that you and all of us pay,
and it's one of the fastest growing areas of the
New York State budget.
Speaker 3 (05:06):
So we don't want.
Speaker 4 (05:08):
The state to be penny wise and pound foolish. If
they just put some supports in to help people stay
in their homes, we can avoid those higher Medicaid.
Speaker 3 (05:17):
Costs going into institutional care.
Speaker 4 (05:20):
And let's face it, loved ones, really, I don't know
about you, but one day I don't have in my mind,
oh yeah, I want to go live in a nursing home.
I mean, if God forbid, I have terrible illnesses that
cause it. Absolutely and there's a place for nursing homes
in our society, but that's not where most of us
want to age in place.
Speaker 2 (05:41):
We're speaking with Beth Finkel. She is the New York
State director of the AARP. You can find out more
about what they do at AARP dot org. You're listening
to get connected on one oh six point seven light FM.
I'm na del rio. You also do a lot of
work helping caregivers and seniors dealing with prevent it scams
and fraud. This kind of topic makes my heart sink
(06:04):
a little bit because they're so common. Regarding caregivers, What
should people be aware of?
Speaker 4 (06:10):
Well, I think the most important thing is again caregiving.
When you have to pay professional caregivers, it's very costly,
but you want to make sure that you're getting caregivers
that have been thoroughly vetted and bonded because if God forbid,
anything goes wrong, if you do not get the caregiver
from an agency, it's going to be hard to have
(06:33):
any recourse and it does cost a little more money,
there's no question about it. So that's the number one
thing is make sure that if you're getting caregiving outside
how go to a bonded agency. Don't get those caregivers
from a website or because you see a sign up
in your local grocery store.
Speaker 3 (06:51):
Call this number and need to have.
Speaker 4 (06:53):
To be prepared to ask the right questions when you're
trying to get the right caregiver in place. So how
long has the agency been in business? Is it financially sound?
You don't want to fly by night operation. What kind
of experience and certifications are these caregivers required to have
and most importantly, do they do a criminal background check?
(07:17):
Really important because we're talking about fraud right and drug
screening because professional agencies do all of that, and that's
really really important.
Speaker 2 (07:28):
I looked at your website. Some of the scams include
things like unauthorized access to bank accounts or seniors are
pressured to sign over assets. When these things happen, people
can lose a lot of money. But what precautions and
safeguards do you recommend before you even get there.
Speaker 4 (07:47):
It hurts me to say this, but a great deal
of the scams that happen happen from their own family members.
And it's because caregivers are on the people who are
either caring for them one hundred percent or maybe doing
the choor services for them and other things, and they
(08:09):
are at their mercy and very often they are afraid
to speak up.
Speaker 3 (08:13):
They're afraid to talk their mind. It's hard.
Speaker 4 (08:16):
I mean, family dynamics are difficult anyway, and this is
just when money comes into play.
Speaker 3 (08:23):
It's even more so. I think that if you feel like.
Speaker 4 (08:27):
A relative is possibly taking advantage of you, it's hard
to say this, but what you need to do is
report it, you need to report it to professionals. Another
thing that people need to think about is that fraudsters
also start to pray on people who are isolated in
their homes.
Speaker 3 (08:48):
As a matter of fact, a new.
Speaker 4 (08:49):
Study came out from AARP literally today that four out
of every ten older adults are experiencing isolation. So when
you think about that, if somebody is isolated, they're sitting
at home, the phone rings and it's a friendly voice,
and it possibly could be a confidence man or woman.
Speaker 3 (09:11):
And what do they do?
Speaker 4 (09:12):
They build confidence and so oh missus, s how are
you today?
Speaker 3 (09:16):
Oh okay? And how is this? And how is that?
Speaker 4 (09:18):
And they inveigle their way in to your world and
your confidence. And then that's when they lower the boom
and they take advantage of you. And why because older
adults are sitting on a lot of money. They save
their whole lives and scammers know that.
Speaker 2 (09:34):
To be honest, there was a senior in my family
who was just scammed by giving their their tech person,
who they thought was a tech person, remote access to
their computer. Especially when people aren't fluent with tech, they
really can get into trouble. What kind of recourse does
anyone have when they're scammed legally very little.
Speaker 4 (09:56):
I mean, you have to go to the authorities. You
have to go to the authorities because it's the right
thing to do. You have to go to the authorities
also because otherwise, how will they stop these scammers from
scamming other people in the future. Also, AARP has a
fraud watch network and they can tell you and it's
ARP FraudWatch Network, and it can tell you the scams
that are going on currently, the more popular ones. And
(10:20):
it also can tell you it can give you zip code,
and it can tell you what's going on and more
in your locality.
Speaker 3 (10:25):
It's just really important to help arm yourselves.
Speaker 4 (10:28):
The other thing that ARP New York has been working
on for a number of years is to try to
get legislation passed that would help guard against some scammers.
For instance, missus S normally goes to her local bank
teller knowser and every week she catches let's say, fifty dollars,
and all on a sudden, Missus S Is coming in
and cashing one thousand dollars, two thousand dollars, and the
(10:51):
teller thinks to herself, this doesn't seem right to me.
So this legislation would have allowed the teller to report
it and to put a freeze on that transaction, not
a freeze on the account, but a freeze on that transaction,
and then inform protective services so that they could go
in and find out if the person is being scammed.
(11:12):
We haven't been able to get it passed in both houses.
I'm really hopeful that this year we're going to try again.
But financial institutions, for the most part, do not want
more mandates or regulations. I understand that, but too many
people are getting scammed. As a matter of fact, we're
finding in New York State alone, every hour older adults
(11:33):
are being scammed by over twenty five thousand dollars every
single hour in the state.
Speaker 2 (11:39):
The state though, under Kathy Hochel, they recently embarked on
the Master Plan for Aging, so there's lots of supports
in there. It's one hundred and twenty six proposals to
better serve aging New Yorkers. Your thoughts on that initiative.
Speaker 3 (11:51):
Well, we're thrilled about it.
Speaker 4 (11:53):
We're actually looking forward to seeing what the governor will
be saying in her state of the state and in
her up coming budget because we're hoping that again because
the Master Plan on Aging talks a lot about more
resources that are needed and more protections to be put
in place, and so we're really hopeful that because the
(12:13):
Governor has, you know, led the way on this. She's
been a great leader in aging. Last year she added
thirty five million dollars to the budget for home and
community based care, which eliminated a waiting list of over
sixteen thousand. But this year, unfortunately, that waiting list has
really zoomed and we're seeing many, many more people who
(12:35):
are waiting to get a meal delivered, to get transportation
services to physicians, et cetera, to get improvements in their
homes that they desperately need. And so we need to
take care of the people who took care of us
all of our.
Speaker 2 (12:51):
Lives, right, And since you bring that up. Last time
we spoke, we talked about New Yorkers not enrolling for
benefits they qualify.
Speaker 4 (12:57):
For, yes, and that is one of the recommendations and
the Master Plan on Aging, which is better alignment and
integration of benefits services. And the Governor has actually talked
about having better customer services for beneficiaries of potential beneficiaries
and what that would mean is if you are eligible
(13:18):
for SNAP, but you're also eligible for the Medicare Savings Program,
which is for people who are again not a medicaid
but middle class who can't afford to pay some of
their Medicare premiums. And so it's actually both of those
are federal programs, and so where we could match those
up and say, ah, if you're eligible for one, you're
(13:39):
probably eligible for the other. Why make people go through
all the red tape and reapply and whatever. Let's just
take care of this, especially in the Medicare Savings Program,
which would put over one hundred and seventy dollars a
month back into somebody's Social Security check. That's a sizable
increase in your disposable income.
Speaker 2 (13:58):
Just to wrap up AARP also so has great events
and workshops. Is there something you'd like to highlight coming up?
Speaker 4 (14:04):
Yeah, thank you for asking. We've got a great long
term care planning session.
Speaker 3 (14:09):
It's going to be a virtual one. It's going to
be on.
Speaker 4 (14:11):
Tuesday, December sixteenth, from two to three. Because you know what,
it's never too early to plan for your caregiving and
it is never too late, and that's or it can
be too late which I hesitate to say. I hate
to say that because I try to be a positive,
optimistic person. So yes, and I hope that people can
(14:34):
join AARP at this virtual discussion where you can get
a lot of information.
Speaker 2 (14:40):
And you also have something special for caregivers.
Speaker 4 (14:42):
Well, we are now inviting caregivers to enter our sweepstakes
for a chance to win a two hundred dollars Visa
gift card. Five winners are going to be selected at random,
and it's really our way of recognizing the dedication and
time and heart that caregivers give every single day. So
(15:05):
if you would like to be part of that opportunity
to be in that sweepstakes and possibly win a two
hundred dollars Visa gift card, all you need to do
is go to aa RP dot org forward slash NY Caregivers.
That's a RP dot org forward slash NY Caregivers.
Speaker 2 (15:30):
There's so much more on the website too, including resources
to help prevent scams and fraud, which is what we
talked about at the beginning of the show. Beth Finkel
from AARP New York, thank you for being on to
get connected and happy holidays.
Speaker 3 (15:42):
So good to be here. Thank you.
Speaker 1 (15:44):
This has been get connected with Nina del Rio on
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