Medicare Scam Alert

There is a new telephone scam that is targeting seniors who have Medicare. According to complaints filed with Better Business Bureau offices throughout the country, scammers are calling Medicare recipients and encouraging them to provide  bank account information to receive direct deposits from Medicare.

The scammers claim to be working for the government. They say that the senior’s new Medicare card is in the mail, but in order to continue receiving Medicare benefits, the senior must give out his or her bank account and routing number so that Medicare benefits can be deposited straight to the senior’s account. Unfortunately, there is no new Medicare card or direct deposit on the way. The scammer simply wants access to the senior’s bank account.

If you receive one of these calls, you should hang up immediately. While this may sound authentic to you because you may have read or heard a news report that the Social Security Administration has recently moved to a direct deposit system, allowing monthly Social Security funds to be deposited straight into a recipient’s account, Medicare is a different program. Medicare does not distribute funds or benefits directly to the senior.

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

 

Obtaining a Truly Free Annual Credit Report

While there are lots of advertisements and websites that claim to offer you a free credit report, the only truly free credit report available is from the Federal Trade Commission (FTC). The FTC recommends that consumers check their credit report at least annually.

A Federal Trade Commission study of the U.S. credit reporting industry found that five percent of consumers had errors on one of their three major credit reports that could lead to them paying more for products such as auto loans and insurance.

Overall, the congressionally mandated study on credit report accuracy found that one in five consumers had an error on at least one of their three credit reports.

To learn more about the way your credit score can affect you and what to do if you find errors in your credit report watch this video from the FTC.

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

Housing Option For Disabled Adults

I came across the following article by  Bonnie Miller Rubin in the Chicago Tribune.

Baruch and Joyce Schur were out of options. They couldn’t find anywhere for their physically and intellectually disabled 26-year-old son to live, at least nowhere that met their criteria or didn’t have a years-long waiting list. The 55-year-old couple made plans to move out of state. Uprooting themselves from their native Chicago, leaving friends and a family business, was the only way to give Josh a home — not an institution — that offered independence, a kosher kitchen and a sense of community before his parents became too elderly to care for him. But then the Schurs took an even bolder step. They joined forces with five other families in similar circumstances to do what government could not: They created something better.

They become a nonprofit, raised their own funds, bought their own property, hired a design team and a social services agency to staff a home. Last month, six young men — with cerebral palsy, autism and Down syndrome — moved into a red-brick Georgian on a quiet block in the same Chicago neighborhood, Rogers Park, where they grew up.

Other parent-empowered groups are also rolling up their sleeves, joining this quiet crusade. A Glenview, Ill., couple has partnered with Rush University Medical Center to build housing for young adults with autism in Chicago’s West Loop. In Wheaton, Ill., another family group collaborated with their church for a similar project.

In a previous era, children such as Josh would have been institutionalized. Today, because of medical advances and sweeping public policy changes, children with disabilities are not just surviving but thriving into adulthood. And no one knows what to do with them all.

‘Look at other sustainable models’

There are 1 million to 1.5 million Americans with autism alone, 80 percent of whom are younger than 22, said the Centers for Disease Control and Prevention. “The statistics are frightening,” said Tony Paulauski of the Arc of Illinois, an advocacy organization. “What’s going to happen to all these folks? We are bracing ourselves for a demographic wave and we are totally unprepared.”

These young adults were born into a very different world than earlier generations. Parents started seeing their offspring for what they could do — not just what they couldn’t.

They pushed clinicians for more physical, occupational and speech therapy and pushed lawmakers toward mainstreaming policies. No longer hidden, these youngsters were now woven into society, participating in school plays, soccer and Boy Scouts.

Then, at age 22, most publicly funded services end. As the kids get older, the journey gets lonelier. Some 80 percent of young adults with autism ages 19 to 30 still live at home, said a 2008 Easter Seals study.

“People see how futile the situation is,” Paulauski said. “And as government continues to shrink, it becomes even more important that families look at other sustainable models.”

The Schurs, who have two other sons, were being consumed by the day-to-day challenges of raising a child with cerebral palsy. The doctor visits, the financial pressures, the physical demands all exact a steep toll. For example, Joyce Schur would call her husband at work when Josh needed to go to the bathroom because she could no longer lift her 130-pound son from his wheelchair.

“I watched these kids grow up, and I couldn’t believe that we had nothing for them,” said Shana Erenberg, a special education consultant. “I was embarrassed for my state.”

So when Baruch Schur called Erenberg in 2009 to say they had bought a house in New York that offered more and better services, “it was the last straw,” she said. For Schur, it was the only solution. “If we stayed in Illinois, we had two choices: A nursing home or a nursing home,” he said.

That night, Erenberg set out to create a home that offered safety, friendship, kosher food, activities and interiors that said “Pottery Barn” more than “state facility.” She reached out to Alderman Debra Silverstein and, along with Baruch Schur, they identified six potential residents and took their proposal to the other parents, who didn’t have a lot of faith such a vision would become a reality, Erenberg said. “They told us: ‘We’re exhausted.’ And we said, ‘Let us carry the ball for a while.'”

That’s how the Libenu Foundation — Hebrew for “our heart” — gained traction. Parents and other volunteers scoured the nation for models, then bought a three-bedroom home, which cost $400,000. They poured in another $600,000 to make it seven bedrooms and handicapped-accessible.

‘This is a blessing’

Each family made a financial commitment — although they declined to give an exact amount — and held fundraisers, taking their story to anyone who would listen. Services such as aides, transportation, recreation and personal care are managed by Clearbrook, an Arlington Heights, Ill.-based agency, and are paid for, in part, with public funding.

Many siblings of disabled adults find themselves thrust into the role of caregiver after the death of a parent, said Jan Doyle, who co-founded the nonprofit Center for Independent Futures. “They have their own jobs, children, lives and they call up and ask, ‘What do we do?'”

Joan Katz, one of the Libenu parents, was determined that would not happen. Her son, Jacob Mosbacher, who has Down syndrome, has been the beneficiary of years of enrichment and learning. At 25, he is an artist who has displayed at city galleries and has his own website. “As a parent, this is a blessing; but for siblings, it’s a double blessing,” she said. “And for Jacob? It means he has a life.”

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

 

Five Signs Your Parents May Need Help

It’s easy to know what to do when a parent has a medical crisis: Go to the ER. But without the red flags of an emergency, it can be hard to know if there’s a health problem that needs attention.

Often, there are subtle signs of trouble brewing. The following is a list of five signs that may indicate that an Elder needs help. These signs were published by Hospice of the Valley.

  1. Have your parents lost weight? Unplanned weight loss may indicate a medical condition, such as depression or cancer. Vision problems that make cooking difficult. Dental problems that make chewing painful.
  1. How is their appearance? Are their clothes clean? What about bathing and grooming? Unkempt appearance may signal depression or dementia.
  2. Do they seem safe in their home? Are there signs of falls, such as dents in the walls? Is there a system for making sure pills are taken? Scorched pans in the kitchen? Spoiled food in the refrigerator?
  3. Have they lost interest in their usual activities? Are they withdrawing from friends or dropping hobbies? These could signal pain, depression, or another health issue.
  4. How well are they getting around? Are they steady on their feet? Able to walk without problems? Any difficulty climbing stairs or getting out of a chair?

What you should do if you have concerns:

  • talk with your parents. Tell them what you’ve noticed and why you are concerned. Ask them how you can help, and then LISTEN.
  • get the doctor involved. If your parents refuse a doctor’s exam, send a note to the doctor outlining what you have observed. That way, the doctor can follow up at the next regular appointment.
  • solve problems together. Explore your parent’s preferences for handling the situation. Consider a family meeting so everyone can share in the discussion. You might also consult a geriatric care manager for help identifying possible solutions.
  • be patient. If you encounter resistance, take a step back. People often need time to think about what has been discussed. Rushing can just build resentment.

If you have attempted all of the steps above to assist your parent(s) to no avail, it may be time to seek legal counsel on the possibility of a Conservatorship. You can read more about Conservatorship here.

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

Spread the Word to End the Word

When they were originally introduced, the terms “mental retardation” or “mentally retarded” were medical terms with a specifically clinical connotation; however, the pejorative forms, “retard” and “retarded” have been used widely in today’s society to degrade and insult people with intellectual disabilities. Additionally, when “retard” and “retarded” are used as synonyms for “dumb” or “stupid” by people without disabilities, it only reinforces painful stereotypes of people with intellectual disabilities being less valued members of humanity.

 Spread the Word to End the Word is an ongoing effort by Special Olympics, Best Buddies and R-Word, Spread the Word to End the Word to raise the consciousness of society about the dehumanizing and hurtful effects of the word “retard(ed)” and encourage people to pledge to stop using the R-word.

The campaign, created by youth, is intended to engage schools organizations and communities to rally and pledge their support and to promote the inclusion and acceptance of people with intellectual and developmental disabilities.

The official annual day of awareness is held the first Wednesday of every March. While most activities are centered on or near that annual day in March, people everywhere can help spread the word throughout their communities and schools year-round thru pledge drives, youth rallies and online activation.

Spread the Word to End the Word was founded by college students Soeren Palumbo (Notre Dame 2011) and Tim Shriver (Yale 2011) in 2009, and continues to be led by passionate young people, Special Olympics athletes and Best Buddies participants across the United States and in many other parts of the world.

Respectful and inclusive language is essential to the movement for the dignity and humanity of people with intellectual disabilities.  However, much of society does not recognize the hurtful, dehumanizing and exclusive effects of the word “retard(ed).”

If you would like to learn how you can Spread the Word to End the Word click here.

“What’s wrong with “retard”? I can only tell you what it means to me and people like me when we hear it. It means that the rest of you are excluding us from your group. We are something that is not like you and something that none of you would ever want to be. We are something outside the “in” group. We are someone that is not your kind. I want you to know that it hurts to be left out here, alone.” – Joseph Franklin Stephens, Special Olympics Virginia athlete and Global Messenger 

“Words matter. People don’t need to scoff at others to make a point. Everyone has a gift and the world would be better off if we recognized it.” – Tim Shriver, CEO of Special Olympics

“The word retard is considered hate speech because it offends people with intellectual and developmental disabilities as well as the people that care for and support them. It alienates and excludes them. It also emphasizes the negative stereotypes surrounding people with intellectual and developmental disabilities; the common belief that people with intellectual and developmental disabilities should be segregated, hidden away from society, which, in my opinion, is really old fashioned.” – Karleigh Jones, Special Olympics New Zealand athlete

“When you say the “R” word it makes people feel bad and it hurts my feelings and I don’t want to hear you guys say it. Instead, you can call me a leader, a hero, or a human being, but please don’t call me the “R” word.” – Dony Knight, Special Olympics Oregon athlete

“Because the word has become a casual description of anything negative or flawed, ‘retarded’ is no longer considered an appropriate way to describe people with intellectual disabilities. And any use of the word, even when used as slang and not intended to be offensive, is hurtful – because it will always be associated with people who have disabilities.” – Sara Mitton, Board Member, Treasure Valley Down Syndrome Association

“It hurts and scares me when I am the only person with intellectual disabilities on the bus and young people start making “retard” jokes or references. Please put yourself on that bus and fill the bus with people who are different from you. Imagine that they start making jokes using a term that describes you. It hurts and it is scary.” – Joseph Franklin Stephens, Special Olympics Virginia athlete and Global Messenger

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

Benefit Finder

Disability.gov is a federal government website for comprehensive information on disability programs and services in communities nationwide. The site links to more than 14,000 resources from federal, state and local government agencies; academic institutions; and nonprofit organizations. You can find answers to questions about everything from Social Security benefits to employment to affordable and accessible housing.

Disability.gov has a website called Benefits.gov to help you determine which benefits you may be eligible for and how to apply for them. Recently, they launched a new tool to assist you on your path to finding and applying for government benefits. The website Benefits.gov has launched the Benefits.gov YouTube channel. If you already have a YouTube account, you can subscribe to the Benefits.gov YouTube channel by clicking the “Subscribe” button at the top of the channel page. Subscribing allows you to receive notifications when new videos are posted and provides an easy way to quickly access your favorite Benefits.gov videos. Even if you do not have a YouTube account, you can still view the videos about the Benefits.gov site and its features at any time.

The Benefits.gov YouTube channel currently showcases a self-help video about the site’s confidential prescreening tool, the Benefit Finder. The Benefit Finder Tutorial video is a step-by-step visual guide designed to help you better understand how the Benefit Finder works. This short tutorial also aims to help answer common questions you may have while using the Benefit Finder tool. To turn on the closed captioning, or to use translation, please click on the “CC” icon below the video to adjust your settings.

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

Gift Ideas For Long Term Care Residents

Gift Ideas for Long Term Care Residents

The best gift that you can give to a nursing home resident is a visit. If you cannot visit or want to do something extra for the holidays or their birthday, the following is an adaptation of a list published by the California Advocates for Nursing Home Reform in the winter of 2011.

  • A new pair of slippers or a robe in a favorite color.
  • A gift certificate for a haircut, massage, or manicure.
  • Recent pictures of family and friends in an album, frames, or a bulletin board.
  • Video record a family event that the resident was unable to attend and enjoy watching it with them.
  • A subscription to a favorite magazine or newspaper.
  • Crossword or word search books. (Perhaps in large print.)
  • A personal television for the resident’s room or wireless headphones for their television.
  • A wireless reading device.
  • Quilt or lap blanket.
  • Regular deliveries of flowers.
  • Plant.
  • Tote bag for walker or wheelchair.
  • Luxury toiletries.

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

 

What is Hospice?

Hospice is a practice of specialized care for individuals nearing the end of life. But it is not just for the last few days. In fact, Medicare pays for months of free services to patients and their families. For instance:

  • Do you wish you had help with bathing your loved one?
  • Are you worried about keeping your relative comfortable and out of pain or suffering?
  • Do you wish you had 24/7 access to medical advice?

Hospice offers these services and more. Its goal is to support the patient and family emotionally, physically, and spiritually.

With hospice care, your relative receives regular home visits from

  • a nurse who comes to manage pain, nausea, and other uncomfortable symptoms;
  • a social worker with advice about local programs to help with special needs;
  • a trained volunteer who can stay with your relative once a week so you can have a needed 2-3 hours off.

Such services are free to persons on Medicare who meet these eligibility requirements:

  • An incurable condition
  • A doctor’s assessment that the patient is not likely to live longer than six months
  • Willingness to let go of curative treatment

With an emphasis on quality of life, hospice is the choice for patients who would rather enjoy the time they have left than continue with repeated hospitalizations and ER visits.  It’s also good for patients who are tired of dealing with the side effects of treatment that offers only a slim chance of recovery.

If you think your loved one could benefit from hospice care, ask the doctor a simple question: “Would you be surprised if [your relative] were to die in the next year?” If the doctor says “no,” then it’s wise to talk about if/when hospice would be a good choice.  In hindsight, many families say they wish they had signed up sooner.

To learn more about hospice click here.

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

Social Security – Fast Facts and Figures

A new Social Security web publication, Fast Facts & Figures,” answers the most frequently asked questions about the programs SSA administers. It highlights basic program data for the Social Security (retirement, survivors, and disability) and Supplemental Security Income programs. Most of the data come from the “Annual Statistical Supplement to the Social Security Bulletin,” which contains more than 240 detailed tables. The information on the income of the aged is from the data series, “Income of the Population 55 or Older.” Data on trust fund operations are from the 2012 Trustees Report. The tables and charts illustrate the range of program beneficiaries, from the country’s oldest to its youngest citizens. In all, about 60.4 million people receive some type of benefit or assistance.

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.

Fire Safety for Individuals with Disabilities

Each year an estimated 2,655 deaths and 13,025 injuries occur as the result of residential building fires. The risk of death or injury from fire is even greater for people with physical, mental or sensory disabilities. Special populations such as people with disabilities, people who are deaf or hard of hearing and individuals who are visually impaired can significantly increase their chances of surviving a fire by practicing proven fire safety precautions. The United States Fire Administration (USFA) encourages individuals with special needs to read and use the following fire safety tips to help protect themselves and their homes from fire.

1. Install and Maintain Smoke Alarms

  • Smoke alarms with a vibrating pad or flashing light are available for people who are deaf or hard of hearing. Additionally, smoke alarms with a strobe light outside the house to catch the attention of neighbors and emergency call systems for summoning help are also available.
  • If you need assistance, ask the manager of your building or a friend or relative to install at least one smoke alarm on each level of your home.
  • Make sure your smoke alarms are tested monthly and change the batteries at least once a year.

2. Plan Your Escape

  • Identify at least two exits from every room.
  • If you use a walker or wheelchair, check all exits to be sure you can get through the doorways easily.
  • Make any necessary accommodations, such as providing exit ramps and widening doorways, to facilitate an emergency escape.
  • People with mobility difficulties are encouraged to have their bedroom on the ground floor and as close as possible to an exit.

3. Don’t Isolate Yourself

People with disabilities often are excluded from the development of escape plans, as well as practicing using those escape plans and participating in fire safety drills. As a result, their vital input is omitted and their fire safety needs remain unfulfilled. Take initiative and speak up to ensure that all involved parties receive the fire safety information they need in case of an emergency.

  • Speak to your family members, building manager or neighbors about your fire safety plan and practice it with them.
  • Contact your local fire department’s non-emergency line and explain your special needs. They may suggest escape plan ideas and/or perform a home fire safety inspection and offer suggestions about smoke alarm placement and maintenance.
  • Ask emergency providers to keep your special needs information on file.
  • Keep a phone near your bed and be ready to call 911 or your local emergency number if a fire occurs.

* The information contained in this Blog is intended for general information and educational purposes only and does not constitute legal advice or an opinion of counsel.