Caregivers Can Take Advantage of Free Credit Freeze Law

Published in the Woonsocket Call on October 14, 2018

Attorney General Peter F. Kilmartin touts a new federal consumer protection law, signed into law by President Donald Trump on May 24, 2018, that protects seniors from becoming victims of financial exploitation. Rhode Island’s Attorney General says that this law enhances Rhode Island’s law prohibiting credit reporting agencies from charging fees for credit freezes,(also referred to as a security freeze).

With enactment of the Economic Growth, Regulatory Relief, and Consumer Protection Act, all consumers can now freeze and unfreeze their credit file for free for one year. Before this new law, fees were assessed, usually costing from $3 to $10 (though some states were free) to restrict access to your credit file, making it harder for others to open new accounts in another person’s name.

The new law lets people with certain legal authority to act on someone else’s behalf to freeze and unfreeze their credit file. It defines a “protected consumer” as an incapacitated person, someone with an appointed guardian or conservator, or a child under the age of 16. In addition, it extends the duration of a fraud alert on a consumer’s credit report from 90 days to one year. A fraud alert requires businesses that check a consumer’s credit to get the consumer’s approval before opening a new account.

“Many instances of financial exploitation include a person opening up credit cards or using the credit file of another for personal gain and identity theft. This added layer of protection will allow a guardian or financial caregiver the ability better safeguard the older person from being taken advantage of by a stranger or even someone they know and thought they could trust,”says Kilmartin.

To place a credit freeze on their accounts, consumers will need to contact all three nationwide credit bureaus: Equifax, Experian, and TransUnion. If you’re acting on behalf of a protected consumer, you must give the credit reporting agencies proof of authority before you can freeze and unfreeze the protected consumer’s credit. Proof of authority includes: a court order (such as an order naming you guardian or conservator; a valid power of attorney, and proof of your identity, which can be a Social Security card, birth certificate, driver’s license or other government issued identification.

Whether consumers ask for a freeze online or by phone, the credit bureau must put the freeze in place within one business day. When consumers request to lift the freeze by phone or online, the credit bureaus must take that action within one hour. (If consumers make these requests by mail, the agency must place or lift the freeze within three business days).
To place a fraud alert, consumers need only contact one of the three credit bureaus, which will notify the other two bureaus.

Rhode Island’s Credit Freeze Law

Filed at the request of Kilmartin and enacted earlier this year, the Rhode Island law eliminates a provision of existing state law that allows reporting agencies to charge up to $10 to consumers who ask for a credit freeze.

The legislation, which the sponsors introduced on behalf of Rhode Island Attorney General Kilmartin, stems from the Equifax security breach last year during which the credit information of 143 million Americans was exposed. Initially, Equifax was charging consumers who asked for a credit freeze to protect themselves from its own security breach, although it stopped after intense public outcry and pressure from numerous attorneys general.

At the time the law was enacted, Kilmartin said, “This is a big victory for Rhode Island consumers, giving them greater control over who can access their personal and financial information. Credit bureaus make money from selling our personal information to third parties. They should not be able to profit off consumers who decide to take control over who has access to their personal data.”

Protecting Rhode Island’s Seniors

“AARP applauds all efforts to protect older Rhode Islanders from phone and online credit scams that lead to identity theft,” says AARP Rhode Island State Director Kathleen Connell. “Clearly, many consumers, and especially many of Rhode Island’s 134,000 caregivers, will consider taking advantage of this new option. It certainly complements the work we are doing as part of AARP Fraud Watch to thwart con artists who prey relentlessly on people of all ages.

“In the case of older Rhode Islanders, life savings can be at risk. “The new federal law allows caregivers to acquire legal authority to freeze a loved one’s credit reports, and that’s a good thing. But it is important to note that there are many things a caregiver should consider. Basically, caregivers need to have conversations about the threat and what everyone should be doing to protect against credit theft,” she added.

AARP’s John Martin said when he presents the Fraud Watch program to community groups he urges people to think about fraud prevention in the same way training and professional development is part of their work experience. “In the workplace, your job includes being up to speed on the latest policies, regulations and best practices,” Martin tells audiences. “Lawyers read law reviews, doctors read medical journals, tugboat captains read The Shipping News. Failure to do so could lead to a missed opportunity or a big mistake. Given the enormous threats out there, we all should consider keeping up on the latest scams and implementing precautions something like a part-time job that requires similar diligence. To do otherwise increases your risk and the stakes are frighteningly high.”

Connell warns not to forget the basics. “AARP provides common-sense advice, awareness and precautions as well as alerts when new scams are exposed or an old one reappears,” she says. “Don’t be passive and please do encourage older family members to be on guard. We are all in this together.”

Anyone can sign up for the free Fraud Watch Network service at http://www.aarp.org/RIFraudwatch to receive alerts and report scams or other suspicious activity.

Reporting Financial Exploitation

The Rhode Island Office of the Attorney General recommends that if you believe you or an older relative are victims of financial exploitation, contact your local police department, the Rhode Island Division of Elderly Affairs, or the Elder Abuse Unit at the Rhode Island Office of the Attorney General.

If you would like an investigator at the Elder Abuse Unit or an investigator with the Consumer Protection Unit to speak with your organization on the signs of elder abuse or how to protect from being a victim of a scam, please contact Mickaela Driscoll, Elder Abuse Investigator, at mdriscoll@riag.ri.gov or Martha Crippen, Director of the Consumer Protection Unit, at mcrippen@riag.ri.gov or by calling 401-274-4400.

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Calls for Strengthening Medicare as it Hits 53

Published in the Woonsocket Call on August 5, 2018

Just before Summer recess House Democratic Leader Nancy Pelosi (D-CA) joined Seniors Task Force co-chairs Congresswomen Jan Schakowsky (D-IL) and Doris Matsui (D-CA), Democratic Policy and Communications Committee co-chair Congressman David Cicilline (D-RI) and seniors’ advocates gathered in the historic Rayburn Room of the U.S. Capitol, one of the largest rooms on Capitol Hill, to celebrate the 53rd anniversary of Medicare and Medicaid being signed into law by President Lyndon Johnson.

“We usually celebrate Medicare’s anniversary at the U.S. Capitol with balloons and cake. This year, the 53rd anniversary, was a more solemn occasion because of relentless attacks on the program by the Trump administration and Congressional Republicans, says Max Richtman, President and CEO of the Washington, D.C.-based National Committee to Preserve Social Security and Medicare, one of the advocacy groups in attendance.

When signing the landmark legislation into law on July 30, 1965, President Lyndon B Johnson said, “No longer will older Americans be denied the healing miracle of modern medicine. No longer will illness crush and destroy the savings that they have so carefully put away over a lifetime. No longer will young families see their own incomes and hopes eaten away simply because they are carrying out their deep moral obligations to their parents.”

At the July 25 birthday commemoration, Leader Pelosi called Medicare and Medicaid “the pillars of health and security for the nation,” noting that for years these two programs have been under unrelenting and constant attacks from Republicans.

“For years, Republicans have sought to deny seniors and working families the healing miracle of medicine. Republicans want Medicare, in their words, to ‘wither on the vine.’ They want to cut and cap Medicaid into oblivion. They want to give massive tax handouts to big pharma who are denying seniors lower prescription drug prices,” says Pelosi.

According to Pelosi, the Democrats plan, A Better Deal, provides a legislative strategy for lowering the price of prescription drugs. “Our plan calls for tough new enforcement of drug price gauging, allowing Medicare part D to negotiate drug prices,” she said, noting that President Donald Trump had promised that during his presidential campaign, “We’re going to negotiate like crazy.”

Echoing Pelosi, at the press conference Rhode Island Congressman Cicilline also called for the reining in of prescription drug costs to put the brakes on rising Medicare expenditures. “Democrats believe that seniors shouldn’t have to cut pills in half to afford prescription drugs. We need a president who will work with us to allow Medicare to negotiate drug prices, to compel drug makers to justify cost increases, and to crack down on price gougers,” said Cicilline.

Cicilline reminded those attending that the President once promised to take on the drug companies but now has decided to appoint a former drug company executive as his Secretary of the Department of Health and Human Service. “And right now, he’s pretty much letting the pharmaceutical lobby have the run of the place,” he charged.

At the press conference, the Democratic lawmakers were joined by ten yellow t-shirted senior volunteers from the National Committee to Preserve Social Security and Medicare’s Capitol Action Team (CAT), who demanded that the program be strengthened. One of the CAT members, Patricia Cotton, gave a powerful personal testimonial about the importance of Medicare in her life. Cotton, a Medicare beneficiary who suffers from a blood cancer known as Myelofibrosis, said she wouldn’t be alive today without the health care program.

“My cancer meds started at $10,000 every 30 days and have gone up twice in two years. Cancer meds are very expensive. My Medicare Part B and D premiums have gone up, and that is coming out of my Social Security check. That is why, without Medicare and Social Security, the rich will live and the poor will die,” said Cotton.
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Democratic Report Spotlights GOP’s Ongoing Attacks on Medicare

At this event, the House Democratic Seniors Task Force unveiled a new 24 page report, “The Republican Record on Medicare, Medicaid and Social Security: Attacks on Benefits Seniors Have Earned and Deserve,” detailing years of Republican’s attacks on seniors and demanded the GOP take action on lowering pharmaceutical prices.

“This report shows how the passage of the GOP tax bill was just one step in a long line of Republican attacks on seniors,” says Congressman Matsui (D-CA). “In budget after budget, year after year, Republicans have reaffirmed their commitment to gutting Medicaid, scaling back Medicare, and cutting seniors’ earned Social Security benefits. Democrats are focusing on efforts that help seniors and families, like lowering drugs prices, and fighting to ensure that these vital programs are here for current and future generations.”

“The House GOP budget proposal includes more than $500 billion in Medicare cuts, a higher eligibility age, and privatization of the program through a voucher system,” the National Committee’s Max Richtman explains. “The President’s 2019 budget would inflict similar harm on Medicare. The Trump administration is undermining the program through skillfully worded enrollment information that favors private Medicare Advantage plans over traditional Medicare. These actions are contrary to the mission of Medicare so eloquently stated by President Lyndon Johnson is when he signed it into law 53 years ago,” says Richtman.

AARP Calls Medicare an Economic Engine for Rhode Island

Last year, Medicare, which helps pay the health care costs of 56 million beneficiaries, is a critical part of the country’s economic infrastructure, investing about $ 710 billion in the national economy that year, says AARP.

On July 25th, the same day that House Democratic Leadership and aging groups celebrated the 53rd anniversary of the signing of Medicare, AARP released fact sheets illustrating Medicare’s contribution to the economies of each state and the District of Columbia.

Let’s take a close look at the Ocean State.

Medicare contributes $2.5 billion to Rhode Island’s economy, equivalent to 21% of state and local government spending in the state, according to the released AARP Rhode Island fact sheet, noting that the program also covers 192,186 beneficiaries in the state. In polls, older Americans have said Medicare is one of their top issues in the 2018 mid-term elections, and AARP Rhode Island is working to encourage older Rhode Island voters to participation this election season.

“Medicare is a major economic engine in our economy security, as well as a key part of, providing health security to Rhode Islanders,” said AARP State Director Kathleen Connell in a statement. “Older Americans have said Medicare is one of their top issues in this election, yet too many politicians fail to recognize the contributions Medicare makes to the economy and our residents. Any candidate who fails to talk about how they would strengthen Medicare for future generations does so at their peril,” says Connell.

Below the AARP fact sheet breaks down some of Medicare’s spending in Rhode Island:
• $1.1 billion for hospitals
• $551 million for doctors
• $338 million for prescriptions and medical supplies
• $198 million for skilled nursing facilities
• $159 million for home healthcare agencies
• $92 million health professionals
• $24 million for medical equipment

Also, businesses in Rhode Island receiving Medicare dollars use them to pay employees’ salaries, rent, state and local taxes, and buy equipment, and make capital improvements to their facilities, says the AARP fact sheet.

With the mid-term elections looming, it is now time to send a clear message to Congress and President Donald Trump, “Stop Attacking Medicare.” Lawmakers on both side of the aisle must work to craft a bipartisan solution to strengthen the program for the benefit of America’s retirees. Consider sending this message when you vote…

AARP’s “Be The Difference. Vote” campaign includes a one-stop online portal – aarp.org/vote – to provide people with information (about Social Security, Medicare, Medicaid and aging issues} they need to. know about before voting in the upcoming November elections.

To see the House Democratic Senior Task Force report, “The Republican Record on Medicare, Medicaid and Social Security: Attacks on Benefits Seniors Have Earned and Deserve,” go to
http://www.schakowsky.house.gov/uploads/Seniors%20Task%20Force%20Report%207.24.18.pdf

GOP House Budget Fray’s Nation’s Safety Net

Published in the Woonsocket Call on June 24, 2018

Just six months ago, the Republican-controlled House passed their massive $1.5 trillion tax cuts for the nation’s largest corporations and to the wealthiest 1 percent. The day of reckoning has now come as the GOP spells out how it will rein in the nation’s spiraling deficit through its recently released FY 2019 budget resolution. On Tuesday, the House Budget Committee unveiled its 85-page budget resolution, making trillions in spending cuts to Medicare and Medicaid, he nation’s two largest entitlement programs, health care, and programs benefiting veterans, students and working families. ‘

The budget titled, “A Brighter American Future,” calls for $8.1 trillion of deficit reduction while including reconciliation instructions for 11 House authorizing committees to enact at least $302 billion over nine years. Consistent with levels signed into law in February 2018, this budget sets topline discretionary spending at $1.24 trillion ($647 billion for defense spending and $597 billion for non-defense discretionary spending).

The budget blueprint cleared the House Budget Committee by a partisan vote of 21-13, with a vote, with a Democratic and Republican lawmaker absent from the vote. Political insiders Fortunately, Capitol Hill-watchers say the 2019 House GOP Budget proposal is unlikely to make it before the full House or pass this year. But, it sends a message out to voters about the Republican’s legislative priorities to rein in a skyrocketing deficits and debt by slashing entitlement and popular domestic programs.

Putting the Wealthy and Powerful Ahead

When unveiling the House GOP’s budget, Chairman Steve Womack of Arkansas, notes that it addresses “unsustainable mandatory spending, continues economic growth, encourages better government and greater accountability, and empowers state and local governments.”

During a CNBC interview on June 22, 2018, Womack said, “We have done our job and it is a reflection of what we believe is the stark reality of the fiscal condition of our country right, unstable deficits year over year and $21 trillion in debt that is going to continue to grow over time. We just felt like it was time to sound the alarm and do something about and this and this particular budget resolution does it.”
Democratic Policy and Communications Committee Co-Chair David N. Cicilline counters Womack’s rosy assessment of the House GOP budget. ““If a budget is a statement of your values, then this budget shows Republicans are putting the wealthy and powerful ahead of working people. Just a few months after passing a massive tax cut for billionaires and corporate special interests, Republicans are proposing to repeal the Affordable Care Act; cut funding for road repairs and other infrastructure projects; cripple Medicare and Social Security; make deep cuts to Pell grants; and repeal Dodd-Frank so the big banks can do whatever they want once again. In fact, this budget is so terrible, it’s hard to imagine Republicans will ever bring it to the floor,” says the Rhode Island lawmaker.

“But despite an extraordinary past and a booming economy thanks to tax reform, there are real fiscal challenges casting a shadow of doubt on the nation’s future, including $21 trillion of debt that is rapidly on the rise. We must overcome the challenges,” says Womack.

Womack says that his budget plan “offers a balanced and responsible plan to not only address the challenges but give rise to the nation’s prosperity.”

Medicare and Medicaid on Budgetary Chopping Block

Numerous federal programs affecting old Americans would be put on the budgetary chopping block, which includes another call for full repeal of the Affordable Care Act (ACA), leaving 23 million Americans without health coverage. $5.4 trillion of cuts would come from mandatory or automatic spending programs such as Medicare and Medicaid. The plan calls for raising the Medicare eligibility age to 67, as well as combining Medicare Parts A and B, and allowing for privatization of the entitlement program. The projected cuts for Medicare alone add up to $537 billion.

The GOP’s efforts to privatize Medicare runs counter to what Americans want, preserving the program in its current form. The Kaiser Family Foundation released poll results in 2015, celebrating Medicare’s 50th Anniversary, the respondents by a margin of more than two to one, do not want to see their traditional Medicare privatized.

As to Medicaid, a joint federal and state program that helps with medical costs for some people with limited income and resources, the GOP budget plan limits per capita payments and allows states to turn it into a block grant. It also introduces stricter work requirements for beneficiaries and shifting to a capped system linked to medical inflation rates, these changes cutting about $1.5 trillion. Additionally, Womack’s budget would no longer allow people on Social Security disability to receive unemployment insurance at the same time, slashing $4 billion for the FY 2019 budget.

Outside of mandatory spending programs, the budget would cut trillions from “welfare,” federal retirement programs and veterans programs, while overhauling rules for medical liability lawsuits.

“This budget proposal is a direct attack on the quality of life of America’s seniors,” said Robert Roach, Jr., President of the Alliance of Retired Americans. “We must hold our elected officials accountable for their actions. We predicted cuts to our hard-earned benefits after the GOP passed their unfunded tax cuts for billionaires and corporations. Unfortunately, that reality is now staring us in the face,” he says.

Adds Max Richtman, president and CEO of the National Committee to Preserve Social Security and Medicare, “Speaker Ryan is obviously making good on his promise to come after safety net programs to pay for the reckless Trump/GOP tax reform. In so doing, he and his party are sending a clear message: older, poorer, and disabled Americans are not as important as the billionaires and big corporations who are the main beneficiaries of a tax scheme that is blowing up our nation’s debt.”

Before the House Budget Committee vote, Joyce A. Rogers, AARP’s Senior Vice President Government Affairs, urged that Medicare not be cut. She called for good changes such as “reducing prescription drugs costs, enhancing payment and delivery reforms, and addressing the widespread fraud, waste, and abuse in the program.”

According to Rogers, “The typical senior, with an annual income of approximately $26,000 and already spending one out of every six dollars on health care, counts on Social Security for the majority of their income, and on Medicare for access to affordable health coverage.”

Finally, Rogers notes that the Supplemental Nutrition Assistance Program (SNAP) plays vital role in providing nutritional assistance to millions of eligible, low-income individuals and families, many seniors. “In 2016, 8.7 million (over 40 percent of) SNAP households had at least one adult age 50 or older. Proposals to block grant the program, or expand work requirements, will make SNAP less responsive and accessible in times of need,” she says.

Educate Yourself About the Issues

With the upcoming Rhode Island primary on September 12, and midterm elections just 135 days, AARP Rhode Island State Director Kathleen Connell urges all registered Rhode Island voters to review candidates’ positions on the issues and go to the polls and cast your ballot. “The 2018 midterms will be among the most historic elections in a generation,” she said.

Nationwide, the balance of power in both houses of Congress, as well as in many state legislatures and governorships, could shift because of the results in the fall’s general elections, says Connell.

While the most common way to vote is for registered voters to go to their local polling place on Election Day, Connell said that many family caregivers and others who may have difficulty voting on that day may be eager to take advantage of other methods of casting a ballot.

“With all that unpaid family caregivers have on their plates each day, it can often be hard for them to get to the polls on Election Day,” said Connell. “If a caregivers’ loved one is voting, it can be even harder, especially if their loved one has mobility issues. When available, alternative methods of casting a ballot (a mail ballot) are essential to allowing our state’s family caregivers and others to participate in this important election.” To learn more about mail ballots, visit https://vote.sos.ri.gov/

To mobilize it’s 35 million members, AARP has launched “Be the Difference. Vote,” a campaign designed to maximize the political influence of over age 50 voters. The initiative seeks to get the largest possible turnout of older voters to the polls during the ongoing primaries and in the November general election. It will also put front and center issues like Medicare security and family caregiving, along with other topics of particular interest to older voters.

To learn more about “Be the Difference. Vote,” check out aarp.org/vote to see how to get involved and state informed.

2050 and the Caregiver Dilemma

Published in the Woonsocket Call on April 22, 2018

The year 2030 marks an important demographic turning point in U.S. history according to the U.S. Census Bureau’s 2017 National Population Projections, released last month. By 2030, older people are projected to outnumber children. In the next twenty years, when these aging baby boomers enter their 80s, who will provide informal caregiving to them.

Almost three years earlier, in a July 2015 report, “Valuing the Invaluable: 2015 Update Undeniable Progress, but Big Gaps Remain,” the AARP Public Policy Institute warned that fewer family members will be around to assist older people with caregiving needs.

According to AARP’s 25-page report, coauthored by Susan C. Reinhard, Lynn Friss Feinberg, Rita Choula, and Ari Houser, the ratio of potential family caregivers to the growing number of older people has already begun a steep decline. In 2010, there were 7.2 potential family caregivers for every person age 80 and older. By 2030, that ratio will fall sharply to 4 to 1, and is projected to drop further to 3 to 1 in 2050.

Family caregivers assisting relatives or close friends afflicted with chronic, disabling, or serious illness, to carry out daily activities (such as bathing or dressing, preparing meals, administering medications, driving to doctor visits, and paying bills), are key to keeping these individuals in their homes and out of costly nursing facilities. What is the impact on care of aging baby boomers when family caregivers no longer provide assistance in daily activities?

“In 2013, about 40 million family caregivers in the United States provided an estimated 37 billion hours of care to an adult with limitations in daily activities. The estimated economic value of their unpaid contributions was approximately $470 billion in 2013, up from an estimated $450 billion in 2009,” notes AARP’s caregiver report. What will be the impact on the nation’s health care system without family caregivers providing informal care?

The Census Bureau’s 2017 National Population Projections, again puts the spot light on the decreasing caregiver ratio over the next decades identified by the AARP Policy Institute, one that must be planned for and addressed by Congress, federal and state policy makers.

Who Will Take Care of Aging Baby Boomers?

With the expansion in the size of the older population, 1 in every 5 United States residents will be retirement age. Who will provide informal caregiving in our nation with a larger adult population and less children to serve as caregivers?

“The aging of baby boomers means that within just a couple decades, older people are projected to outnumber children for the first time in U.S. history,” said Jonathan Vespa, a demographer with the U.S. Census Bureau. “By 2035, there will be 78.0 million people 65 years and older compared to 76.4 million under the age of 18.”

The 2030s are projected to be a transformative decade for the U.S. population, says the 2017 statistical projections – the population is expected to grow at a slower pace, age considerably and become more racially and ethnically diverse. The nation’s median age is expected to grow from age 38 today to age 43 by 2060.

The Census Bureau also observed that that as the population ages, the ratio of older adults to working-age adults, also known as the old-age dependency ratio, is projected to rise. By 2020, there will be about three-and-a-half working-age adults for every retirement-age person. By 2060, that ratio will fall to just two-and-a-half working-age adults for every retirement-age person.

Real Challenges Face Congress as the Nation Ages

Jean Accius, Ph.D., AARP Policy Institute’s Vice President, Independent Living, Long-Term Services and Supports, says, “The recent Census report highlights the sense of urgency to develop innovative solutions that will support our growing older adult population at a time when there will likely be fewer family caregivers available to help. The challenges that face us are real, but they are not insurmountable. In fact, this is an opportunity if we begin now to lay the foundation for a better system of family support for the future. The enactment of the RAISE (Recognize, Assist, Include, Support and Engage) Family Caregivers Act, which would create a strategy for supporting family caregivers, is a great path forward.”

Max Richtman, President and CEO of the Washington, DC-based National Committee to Preserve Social Security and Medicare, gives his take on the Census Bureau’s 2017 statistical projections, too.

“Despite how cataclysmic this may sound, the rising number of older people due to the aging of baby boomers is no surprise and has been predicted for many years. This is why the Social Security system was changed in 1983 to prepare for this eventuality. Under current law, full benefits will continue to be paid through 2034 and we are confident that Congress will make the necessary changes, such as raising the wage cap, to ensure that full benefits continue to be made well into the future,” says Richtman.

Richtman calls informal caregiving “a critical part of a care plan” that enhances an older person’s well-being. “While there currently are programs such as the Medicaid Waiver that will pay family members who provide caregiving support more can be done to incentivize caregiving so that loss of personal income and Social Security work credits are not barriers to enlisting the help of younger individuals to provide informal support services,” he says.

Adds Richtman, the Medicare and Medicaid benefits which reimburse for the home-based services and skilled nursing care “will be unduly strained ”as the diagnosed cases of Alzheimer’s disease skyrockets with the growing boomer population. He calls on Congress to “immediately provide adequate research funding to the National Institutes of Health to accelerate finding a cure in order to save these programs and lower the burdens on family caregivers and the healthcare system. “

Finally, AARP Rhode Island State Director Kathleen Connell, says “Our aging population represents challenges on many, many fronts, including healthcare, housing, Social Security, Medicare and, of course, caregiving. It would be nice to think everything would take care of itself if there were more younger people than older people. But that misses the point entirely. The needs of older Americans are a challenge to all Americans, if for no other reason than most of us end up with multiple late in life needs. And too many reach that point without savings to cover those needs.”

“It’s worth noting, by the way, that many of the solutions will come from people 50 and older — many of whom will work longer in their lives to improve the lives of older Americans. We need to stop looking through the lens of ‘old people’ being the problem and instead encourage and empower older Americans to take greater control over their lives as they help others,” says Connell.

“Congress needs to focus on common sense solutions to assure families that Social Security and Medicare are protected. The healthcare industry needs to face the medical challenges. And at the state and local level, we must focus on home and community-based health services,” adds Connell.

For details about the Census Bureau’s 2017 statistical projections, co to http://www.census.gov/newsroom/press-releases/2018/cb18-41-population-projections.html.

For more information about AARP’s July 2015 caregiver report, go to http://www.aarp.org/content/dam/aarp/ppi/2015/valuing-the-invaluable-2015-update-new.pdf.

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New Report Says Alzheimer’s Disease Is Now Major Public Health Issue

Published in the Woonsocket Call on March 25, 2018

For the second consecutive year, total payments to care for individuals with Alzheimer’s or other dementias will surpass $277 billion, which includes an increase of nearly $20 billion from last year, according to data reported in the Alzheimer’s Association 2018 Alzheimer’s Disease Facts and Figures report recently released last Tuesday.

According to the Alzheimer’s Association, the annual report, first released in 2007, is a compilation of state and national specific statistics and information detailing the impact of Alzheimer’s disease and related dementias on individuals, families, state and federal government and the nation’s health care system.

“This year’s report illuminates the growing cost and impact of Alzheimer’s on the nation’s health care system, and also points to the growing financial, physical and emotional toll on families facing this disease,” said Keith Fargo, Ph.D., director of scientific programs and outreach for the Alzheimer’s Association, in a statement. “Soaring prevalence, rising mortality rates and lack of an effective treatment all lead to enormous costs to society. Alzheimer’s is a burden that’s only going to get worse. We must continue to attack Alzheimer’s through a multidimensional approach that advances research while also improving support for people with the disease and their caregivers,” he said.

Adds Fargo, “Discoveries in science mean fewer people are dying at an early age from heart disease, cancer and other diseases,” said Fargo. “Similar scientific breakthroughs are needed for Alzheimer’s disease, and will only be achieved by making it a national health care priority and increasing funding for research that can one day lead to early detection, better treatments and ultimately a cure.”

2018 Alzheimer’s Facts and Figures

New findings from the 88-page report on March 20, 2017 reveal the growing burden on 16.3 million caregivers providing 18.4 billion hours of care valued at over $ 232 billion to 5.7 million people with the devastating mental disorder. By 2050, the report projects that the number of persons with Alzheimer’s and other dementias will rise to nearly 14 million, with the total cost of care skyrocketing to more than $1.1 trillion.

Between 2000 and 2015 deaths from health disease nationwide decreased by 11 percent but deaths from Alzheimer’s disease have increased by 123 percent, says the new data in the report, noting that one out of three seniors dies with Alzheimer’s or another dementia. It even kills more than breast cancer and prostate cancer combined. In Rhode Island in 2015, the number of deaths from Alzheimer’s disease was 453, making the devastating brain disorder the 5th leading cause of death in the state.

In 2017, 53,000 Rhode Island caregivers provided an estimated 61 million hours of unpaid physical and emotional care and financial support – a contribution to the nation valued at $768 million dollars. The difficulties associated with providing this level of care are estimated to have resulted in $45 million in additional healthcare costs for Alzheimer’s and other dementia caregivers in 2017.

State Updates Battle Plan Against Alzheimer’s Disease

“The Alzheimer’s Association’s most recent report about Alzheimer’s Disease in Rhode Island illustrates the need to take swift action in updating our State Plan to ensure Rhode Island is prepared to provide the necessary resources to families, caregivers and patients who are struggling with the disease,” says Lt. Governor McKee,

McKee adds that the updated State Plan will be a blueprint for how Rhode Island will continue to address the growing Alzheimer’s crisis. “It will create the infrastructure necessary to build programs and services for the growing number of Rhode Islanders with the disease. The updated Plan will also outline steps the state must take to improve services for people with Alzheimer’s and their families. After the update is complete, my Alzheimer’s Executive Board will seek legislative and regulatory changes to carry out the recommendations of the Plan and ensure that it is more than just a document,” he says.

“One of the many types of caregivers benefiting from AARP’s caregiving advocacy in Rhode Island are family members who care for those with Alzheimer’s,” said AARP Rhode Island State Director Kathleen Connell. “They are among the army of 10 million wives, husbands, sons and daughters nationwide. The majority are women and according to researchers, especially when it comes to dementia and Alzheimer’s care. Approximately 40 percent of those caregivers say they have no other options or choices, and a third say they provide care 24/7.

“The latest report indicates what we already know,” Connell added. “This will continue to be rising challenge in Rhode Island as our population ages. The disease will place more stress on our Medicaid-funded nursing home capacity, which should make this a concern for taxpayers. There is a strong case for increasing research funding so that someday we may reverse the tide.

“Our Web site, http://www.aarp.org, provides abundant resources for these dedicated caregivers. AARP in states across the nation, including Rhode Island, have worked to pass legislation that provides paid respite for caregivers who have jobs as well as caregiving obligations. We have supported the Alzheimer’s Association here in Rhode Island for many years and, last year, a small team of AARP volunteers participated in the Alzheimer’s Walk. Joined by others, they are gearing up for this year’s walk.”

Increased Research Funding Needed Now

Donna McGowan, Alzheimer’s Association, RI Chapter Executive Director, says that the 2018 Alzheimer’s Disease Facts and Figures report should send a very clear message that Alzheimer’s disease is an issue that policy makers cannot ignore. “This is an urgent public health crisis that must be addressed. Early detection and diagnosis of the disease leads to better planning, avoiding preventable hospitalizations, and over all a better quality of life for the patient and the caregiver,” says McGowan.

McGowan warns that the health care system is not ready to handle the increased cost and number of individuals expected to develop Alzheimer’s disease in the coming years. “With a vigorous National Plan in place to address the Alzheimer’s crisis, and annual budget guidance for Congress, it is essential that the federal government continue its commitment to the fight against Alzheimer’s by increasing funding for Alzheimer’s research,” adds McGowan.

Rhode Island Congressman David Cicilline sees the need for increased funding for direct services for those afflicted with Alzheimer’s disease. He voted for H.R.1625, the omnibus spending bill that increases funding for the National Institute of Health’s Alzheimer’s research by $414 million. And two years ago, Cicilline worked to pass H.R.1559, “The HOPE for Alzheimer’s Act,” which President Obama signed into law to expand Medicare coverage for Alzheimer’s treatment.

If Cicilline succeeds to get the Republican-controlled Congress to have a vote on H.Res.160, his bill to reestablish the House Select Committee on Aging, it will allow House lawmakers to hear expert testimony and make new policy recommendations to improve the delivery of care to those afflicted with Alzheimer’s and to assist caregivers, too.

For details, go to http://www.alz.org/facts.

Zarlengo Earns AARP Rhode Island’s Most Prestigious Volunteer Award

Published in Pawtucket Times on December 18, 2017

“To Serve and Not be Served” – Dr. Ethel Percy Andrus

AARP Rhode Island recognizes its own, Phil Zarlengo, for his decades of serving the state’s and the nation’s seniors. Over 130 family and fellow AARP Rhode Island members gathered at the Warwick Country Club at a luncheon ceremony to recognize his remarkable service to America’s largest aging advocacy group.

AARP top national officials (Joan R. Ruff, Chair of the AARP National Board of Directors, Kelly Clark, AARP Eastern Region Vice-president and Megan Hookley, AARP Vice President, Volunteerism & Services), came bringing their greetings.

Last week, Zarlengo, 71, a resident of Jamestown for over 30 years, became the 16th recipient AARP Rhode Island Ethel Percy Andrus Award for Community Service — the nonprofit group’s most prestigious and visible state volunteer award for community service.

Every year, Andrus Award recipients across the nation are chosen for their ability to enhance the lives of AARP members and prospective members, improve the community in or for which the work was performed, and inspire others to volunteer.

An Easy Pick

Zarlengo, a native of Chicopee, Massachusetts, was nominated for the Rhode Island Chapter’s prestigious award by Alan Neville, a retired executive in the financial services sector who now serves as AARP Rhode Island state president. “It was a very easy to pick Zarlengo,,” says Neville, acknowledging that “working with him has been a great privilege for me.”

“He is dedicated to public service and I consider him to be an authentic leader,” says Neville.

“As I have gotten to know him, I have come to appreciate the depth and breadth of Phil’s knowledge and experience,” says Neville, echoing many at the December 10 award ceremony who observed that the former teacher and school administrator’s volunteer efforts extend far beyond AARP to countless other regional and national groups and span decades of giving back to his community.

Zarlengo’s professional and educational credentials are impressive. He has a bachelor’s degree in Social Science from UMASS Amherst, an MA in History from Brown University, a doctorate in Management & Evaluation from the University of Connecticut and a Public Affairs Certificate from Tufts University.

Zarlengo Brings a lot to the Plate

A quick glance at his bio reveals his love for education. Zarlengo was Executive Director of Brown University’s National Education Research Lab, where he developed new models for teacher and school program evaluations disseminated across the nation. As an administrator in the Rhode Island Department of Education and the Providence School Department he monitored state and local programs for special population children. Currently, he is CEO of his own management consulting firm that evaluates and helps improve innovative school programs for low achieving students in urban schools, and is a member of the ACE Charter School Board of Directors.

Zarlengo’s award “acts as a symbol to the public that we can all work together for positive social change,” AARP Rhode Island State Director Kathleen Connell told the attending. “AARP has long valued the spirit of volunteerism and the important contributions volunteers make to their communities, neighbors, and the programs they serve,” she said.

Connell considered Zarlengo a guiding light to AARP Rhode Island when he was asked to assist in organizing the first AARP Rhode Island state office in Providence. She had reached out to her former boss after working with him at Brown to serve as the aging advocacy group’s first volunteer state president.

“His advice on elderly and elderly issues was invaluable and his commitment extraordinary,” Connell says, stressing that Zarlengo “helped to put our office on the map early on, and in recognition of his work he moved swiftly on to his position on the National Board.”

Zarlengo eventually put his energies at the national level by serving on AARP National Board and Board Chair before stepping down in 2012. During his 14 years of volunteer service, he has been an energetic defender of Social Security and Medicare and a strong voice in improving healthcare quality and access for all. Since he left his national position three years ago, he still remains active in AARP in many roles, including AARP’s designee on the U.S. Federal Emergency Management Agency, with a focus on helping older Americans prepare for natural disasters. He works closely with AARP Rhode Island’s legislative committee, bringing his understanding of complex national aging policy issues to the General Assembly when they are considering legislation impacting older Rhode Islanders.

“Nonetheless, he never left our fold, offering counsel and assistance whenever asked – and often when we didn’t ask. That’s Phil’s style and everyone who has ever worked with him here has benefited from his vision, wisdom and his warm enthusiasm,” says Connell.

Top AARP Volunteer Comes to Rhode Island

The award was presented by Joan Ruff, current AARP National Board Chair, who has worked as a executive, human resources consultant and attorney. “You have left more than a legacy of service for those of us who have followed in your footsteps,” she said, before presenting the award.

“Your instinct to emphasize the value of state offices and engines for positive social change and to focus on what we now call engaging locally was spot on. You made the case that the more engaged our membership is with AARP the more likely they are to get involved, to renew their commitment and to tell friends and family members about the value of the work we do,” noted Ruff.

“To Zarlengo’s surprise, Huff also conveyed a letter from AARP CEO Jo Ann Jenkins, which read in part, “Having previously served as AARP Rhode Island’s State President, as a national board member for six years and as AARP Board Chair for two years, you know as well as anyone the high level of commitment and dedication this honor represents.

“As a former state president, you were always thinking about how to make the states and national office work more closely together and how to make AARP a stronger presence in local communities across the country.

“You were instrumental in pushing for the integration of the states into AARP’s strategy development and in making AARP more of a local presence across the country. As president of AARP Foundation at the time, I was energized by your support for The Drive to End Hunger and our efforts in financial services,” Jenkins wrote.

“When AARP decided to bring Experience Corps into the AARP family of programs, you saw the benefit of serving all generations to help strengthen our communities. And, as AARP’s representative to the Federal Emergency Management Agency (FEMA), you spearheaded AARP’s relief efforts in communities hit by natural disasters, leaving a legacy we continue to build on today.

Accolades, Accolades, Accolades

Dr. Reid Appleby, 38, ophthalmologist in East Greenwich who has known Zarlengo for over 48 years, calls him “a wonderful man who is dedicated to society and a friend to everyone he ever met.” It is very appropriate that he receive this prestigious award at this point in his life, says Appleby.

“It’s incredibly important to recognize his work,” says Senator Dawn Euer, representing Newport and Jamestown, noting that she had heard stories about his impact on the state’s aging policy. “It’s valuable for organizations like AARP to recognize their volunteers working to address aging issues that have an impact on the state and nation,” she said, noting that her legislative district has the highest concentration of AARP members in the Ocean State.

Senator Louis P. Dipalma, representing Little Compton, Middletown, Newport, Tiverton, was not surprised that Zarlengo was receiving AARP’s most prestigious award because “his record is impressive.”

According to Dipalma, you need more people like Zarlengo with their extensive knowledge of Social Security and Medicare with such trying times at the federal level with a GOP Congress looking to cut these programs.

When accepting his recognition, an overwhelmed Zarlengo stated that he was not ready to hang up his spurs and there was still much work to do with Congress targeting Social Security and Medicare for cuts. “ AARP has given me the opportunity to grow, to contribute, to learn and to enjoy – at a very exciting time – when the older population is rapidly increasing – you know today nationally we have surpassed the 50 million mark of seniors age 65 and over and we’re well on our way to reaching 83 million by 2080.”

AARP’ Zarlengo and tens of thousands of committed AARP volunteers throughout the nation will be there “to serve and not be served.”

Zarlengo resides in Jamestown with his wife Charlotte. They are parents of, Nancy Gilbert (who resides in Wellesley, Mass., with her husband Michael) and are grandparents of Jeffrey, Elizabeth and Abigail.

Aging Groups: House GOP Tax Rewrite a Turkey

Published in the Woonsocket Call on November 19, 2017

Thanksgiving approaches the GOP-Controlled House has passed H.R. 1, “Tax Cuts and Jobs Act,” its tax reform legislation, on November 16, by a partisan vote of 227 to 206, with 13 Republicans siding with the Democrats. The House tax bill would dramatically reduce corporate and individual income taxes and would increase the deficit by $ 1.7 trillion over 10 years — — possibly offset by $ $338 billion saved by repealing the Affordable Care Act’s (ACA) individual mandate.

On Thursday, after four days of debate, members of the Senate Finance Committee voted 14 to 12 along party lines to approve their version of the tax package. Now the full Senate is expected to consider the bill after Thanksgiving hoping to quickly get it to President Donald Trump’s desk for his signature.

Medicare and ACA Takes a Hit

Matt Shepard, of the Center for Medicare Advocacy, warns that the GOP’s attempt to overhaul to nation’s tax code is an immediate threat to the Medicare program and healthcare coverage to millions of Americans covered by ACA.

According to Shepard, the nonpartisan Congressional Budget Office projects that the huge cost for the Republican tax plan would result in immediate, automatic and ongoing cuss to Medicare — $25 billion in 2018 alone.

After the GOP’s failed attempts to repeal the ACA, the Senate now uses a provision in its tax rewrite plan to finally repeal the ACA’s individual mandate to purchase insurance coverage in order to help pay for tax cuts, he says. If the GOP tax reform legislation becomes law, 13 million more people will be without health coverage and increasing premiums will disproportionately affect people age 50 who are not yet eligible for Medicare.

“These new dangers are on top of an already bad bill. Congress is engaged in a rushed effort to push through a massive tax cut for corporations and the wealthy, presenting a clear and present danger to health coverage, other vital programs, and families throughout the nation,” says Shepard.

“After adding $1.5 trillion to the federal debt, policymakers will use the higher debt – created by the tax cuts – to argue that deep cuts to Medicare, Medicaid, Social Security, and other bedrock programs are necessary,” predicts Shepard.

Responding to the House passage of its tax reform bill, just days ago, in a statement AARP Executive Vice President and Chief Advocacy & Engagement Officer Nancy LeaMond expressed disappointment in passage, warning that the legislation is harmful to millions of Americans age 65 and over.

Older Tax Payers Get Financial Hit with GOP Tax Code Fix

“AARP estimates H.R. 1 will raise taxes on 1.2 million seniors next year alone. Millions more older Americans will see tax increases in the future, or at best, no tax relief at all,” says LeaMond.

As Congress continues its debate to hammer out tax reform, LeaMond calls on lawmakers to retain the medical expense deduction at the 7.5% income threshold for older tax filers. “Nearly three-quarters of tax filers who claim the medical expense deduction are age 50 or older and live with a chronic health condition or illness. Seventy percent of filers who claim this deduction have income below $75,000.,” she says, urging that Congress also retain the standard deduction for older taxpayers, which helps reduce tax liability and can help seniors avoid a tax increase.

AARP also urges Congress to assist working family caregivers in a new tax code that creates a new, non-refundable tax credit to offset the often high out-of-pocket costs associated with caring for a loved one.

Finally, LeaMond calls on Congress to reject adding a provision in the tax bill that will lead to higher premium costs in the individual insurance market, as well as 13 million Americans losing their health coverage, including 2 million Americans who would lose employer-sponsored coverage.

In a statement, Max Richtman, President and CEO, National Committee to Preserve Social Security and Medicare, calls the House passed tax rewrite, “Robin Hood-in-Reverse tax legislation.” Now, the House Republicans have sent out a “crystal-clear message “that the elderly, disabled, poor, and working class are no longer part of the GOP’s vision for America,” he says.

Blooming Deficit Might Trigger Raid Social Security

“This craven giveaway to the wealthy and big corporations at the expense of everyone else flies in the face of public opinion, basic decency, and good old common sense, says Richtman, “By ballooning the deficit, Republicans have teed up a raid on Social Security, Medicare, and Medicaid to make up the difference,” he warns.

“The repeal of the medical expense deduction will punish seniors paying out of pocket for treatment of chronic and serious diseases – or long-term care., says Richtman.

With Senate Republicans gearing up their efforts to pass their version of the House’s “Tax Cuts and Jobs Act,” Richtman calls on Senators “to show courage and to do what House Republicans refused to [do]: stop the tax juggernaut before it does irreparable harm to our nation.”

If the GOP tax reform legislation is passed by Congress and signed into law by President Trump, we will quickly find out by Christmas if it a financial gift to America’s middle class or a lump of coal in their stockings. Aging groups already know this answer.