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Avoiding COVID-19 Vaccination Scams

Guest blog by Charles Clarkson, Esq., Project Director, Senior Medicare Patrol of New Jersey

On March 13, 2020, a national health emergency was declared due to the coronavirus pandemic. After many years of running the Senior Medicare Patrol of New Jersey (SMP), I knew it was only a matter of time before we starting seeing SCAMS related to the health emergency. Fraudsters are always looking for ways to scam people, and the COVID-19 public health emergency has been no exception. Initially, fraudsters promoted false cures, sold phony personal protective equipment, given people illegitimate COVID tests and billed Medicare for sham tests and treatments. Now, they are targeting vaccines.

The goals of the fraudsters are very simple: to obtain your information, which they can use to steal your personal and/or medical identity, or to outright steal your money. The SMP has seen a number of vaccine scams. The more you know about these scams the more likely it is you will not fall victim to them.

Head-of-the-line Vaccine Scams

Scammers call and say you can get your vaccine early by providing your Medicare number or other personal information. They may ask for payment upfront and/or insurance information in order to be placed on a priority waiting list for a vaccine you may never receive.

Don’t fall for it. You cannot pay to get in line for a vaccine.

Survey Vaccine Scams

You have gotten your vaccine. You then get an email asking you to complete a health survey. It looks legitimate and has logos and telephone numbers that appear to be genuine. You want to be helpful because you are grateful you were able to get the vaccine. Some of these surveys are also offering money or other incentives to entice you to participate in the survey. The messages may also claim to be urgent, giving a timeframe of expiration to get you to click on their deceptive link to gain personal information.

Don’t fall for it. A vaccine survey offering you an incentive or stating a sense of urgency to complete is a red flag. You should double-check logos and phone numbers and hover over links to see if they are long and suspicious. Don’t click on them.

Vaccine Trial Scams

There are numerous clinical research trials in the race to develop additional COVID-19 vaccines, treatments and cures. Legitimate clinical trials may offer payments to participants under well-defined legal guidelines. However, career criminals know the offer of a paid clinical trial is also an opportunity for financial identity theft.

Don’t fall for it. Be wary of unsolicited emails, calls, or personal contacts requesting personal information. The Federal Trade Commission issued a warning in October 2020 with helpful hints to determine whether a trial is legitimate.

Vaccines-for-Sale Scams

Scammers are setting up fake websites offering to sell vaccines or vaccine kits. Some are imitating legitimate pharmaceutical manufacturers. In some cases, scammers were asking for payment for vaccines and/or kits via a credit card and sending payment to a specific credit union.

Don’t fall for it. You can’t buy a vaccine.

For More Information About Vaccine Scams Affecting Older Adults

If you think you have been a victim of Medicare fraud, errors, or abuse, contact the Senior Medicare Patrol of New Jersey at 1-732-777-1940 or call our hotline at 1-877-SMP-4359 [1-877-767-4395]. You can also visit our website.

Find Help in Your State

If you live in a state other than NJ, you can find help by visiting the SMP Resource Center.

If you have questions related to Medicare billing for COVID-19 vaccines, call 1-800-Medicare [1-800-633-4227] or visit Medicare.

Charles Clarkson, Esq., has been the Project Director of the Senior Medicare Patrol of New Jersey, under the auspices of the Jewish Family Services of Middlesex County, since 2005. The Senior Medicare Patrol of New Jersey is a federally funded program of the U.S. Administration for Community Living and part of the national Senior Medicare Patrol project. There is a Senior Medicare Patrol in every state, including the District of Columbia, Puerto Rico, Guam and the U.S. Virgins Islands. The SMP of New Jersey is responsible for teaching Medicare recipients in the state to become better healthcare consumers. As part of this effort, seniors are provided with information to prevent them from becoming victims of fraud, waste and abuse in the Medicare program. The SMP program also assists beneficiaries in reviewing suspected Medicare fraud and can act as an advocate to assist beneficiaries in fighting Medicare fraud, waste and abuse.

Clarkson is a New York attorney who for many years was Vice President, Deputy Counsel and Corporate Secretary of TLC Beatrice International Holdings, Inc., a multi-billion, international food company.

Aging Well – Moving Forward Together

A promo for the conference.

Excerpt from a speech by Cathy Rowe, DrPH, NJAAW’s new Executive Director

For the last four to five years, I have been deeply involved in age-friendly efforts and communities, and as you have heard in recent weeks — and from some of our [conference] speakers — NJ has committed to becoming an age-friendly state. So, this is an exciting time with a lot of opportunities for all of us in the field of aging to make change where needed, keep all the best of what we do and attempt things we never thought possible before. Now is the time to reach high.

When [NJ’s Director of the Division of Aging Services (DoAS)] Louise Rush told us that 23+% of NJ residents were over age 60, even I was surprised. That’s a lot! It really is a lot.

We have known that the Baby Boomers — the bubble born post-WW2 through 1968 — were the largest population group ever seen in the US, and we have watched for 60 years as they moved through the schools systems, the workforce, started their families and now enter retirement. We built schools for them, colleges, highways and other infrastructure to accommodate this population growth, but we are still not fully prepared for their next stage of life.

Living longer; prepping for the future

Part of this is because when they were born, the average life expectancy was still under 70 years. Now, a child born today may easily see their 100th birthday. That is a big change and a rapid change. Nobody building new schools to accommodate an influx of students in 1960 predicted that those same children would live as long and as well as they are now.

There is a lot to do to prepare. Coming out of COVID, as we rebuild and rebound, we need to keep the lessons we learned and use them for long-term planning, to shape policy and make improvements. No problem that any of us were working on before COVID was solved — most were accentuated. Many new, or rather, unrecognized challenges, were brought to the forefront. And we saw some very creative solutions.

Aging is actually one of the very few things we all have in common. My background is in public health, and I was once asked how public health fit into healthy aging. I responded that healthy aging is the goal of public health. All efforts, research, programs — whether long-term or in quick response to something like a pandemic are with the goal to help people live long, healthy lives as individuals and as a population.

Not just aging — aging well

So, the question we face is: How do we age well — as individuals, as communities and as a state?

So, the question we face is: How do we age well — as individuals, as communities and as a state?

At NJAAW, our role and goals are aligned with our emerging from COVID, the review of the state plan for older adults, and the age-friendly efforts. For 10 years, NJAAW has provided Aging Insights, our award-winning TV program, covering topics that range from health, pandemics to personal finances and just about everything in between. We will continue Aging Insights as well as holding webinars that have provided interactive sessions with colleagues in the field who have found unique ways to approach aging issues in their communities.

Sharing, educating, advocating

And based on the response to our conference’s networking session, and the very active Q&A for presenters, we will offer more opportunities to bring you together for discussions and idea-sharing — one small benefit of the last year is that we can now connect so easily online. Meeting online breaks down the many silos that might block our natural interaction — either by service area or geography.

This is NJ and with over 500 municipalities doing things 500 different ways, it is difficult to see what another community is doing and find ways to implement it for your town or program or agency. We want to help in the sharing of ideas, lessons and successes you all have had in your work.

As NJ works towards becoming an age-friendly state, we will continue the education and advocacy we have done for the past 23 years. We will increase our focus on policy and joining the discussion on age-friendly efforts and the changing demographics of our state. 

2030, that looming year we in NJ and many states expect to see the number of 60+ year old residents outnumber the number of students in the classrooms, is not far away. 

We will highlight issues of importance with

  • Data
    • Academic research and
    • The experience of local efforts bubbling up and state efforts going down

Where do we meet in the middle?

Your plans for aging well?

I asked Louise Rush and members of the breakout groups what their plans are for aging well — and I am going to keep asking so everybody, start thinking. We are all professionals here, working to help people age well. Whether social worker, housing, health care, recreation, mental health or transportation — we are working now to not only meet needs but to make life better for older New Jerseyans.

But as the flight crew always tells us, “Put on your own oxygen mask first.”  Louise Rush said age 0 – 60 goes fast. Age 60 – 90 might slow down for some as you find new time in retirement or might speed up more with additional family, responsibilities, or new careers and activities.

So, do not just think of what needs to be done right now, coming out of COVID, or for the next year, or the next inspection or budget cycle. Think of what YOU can do long term and what WE can do together. What do you personally want for your aging plan? Where do you want to live? Are you financially prepared?

Whether you are new to the field, mid-career or counting the weeks until you retire, envision where and how you want to live and what you will need. Now go do it!

The time is now

The timing for coming out of COVID actually is good, if there could ever be a “good time” or anything good to come from a pandemic. What I mean by that is that we are re-emerging and rebuilding at the exact time other significant changes are about to be made. We are launching statewide efforts to make NJ an age-friendly state just as we are looking at the lessons we learned from COVID.

We saw the devastating fragility of some of our residents who succumbed to this disease. We saw that socioeconomic status, including race and income, had a significant impact on whether someone caught COVID and their ability to recover.

Lessons to be learned

More than ever before, we came further in the last year in recognizing racial inequities, which become more pronounced as we age. We saw some communities embrace technology while others were left further behind. We learned that we do not know enough about our older residents who live in their own homes, who are not in any programs or receiving benefits. What do all of these have in common? They are lessons we learned and data points we can use going forward.

At NJAAW we are going to keep doing what we do well — convening, educating and advocating for older residents. To be as effective as possible at this important time of change, we will examine data more carefully to identify needs and to help shape policy. Look for the data highlights we will include in our newsletter and other communications.

Data = direction

From my time in academia, I learned that it is only with good data that we can help shape good policy and then implement that policy as effectively and efficiently as possible. I am thrilled to have supportive and dedicated people in our statehouse, including Assemblywoman Valerie Vainieri Huttle and the members of the Aging and Senior Services Committee in the Assembly, and Director Rush shaping our next steps in policy and programs. At NJAAW we will share the data and discussions with you and will advocate for policy and the funding necessary to make NJ a state where we can all age well.

About Dr. Rowe

Dr. Cathy Rowe
Executive Director
NJ Advocates for Aging Well,
Photo by Steve Hockstein HarvardStudio.com

Cathy Rowe, DrPH, was named Executive Director of NJ Advocates for Aging Well in May, 2021. Most recently, Dr. Rowe served as Coordinator for SOMA (South Orange/Maplewood): Two Towns for All Ages, a grant-funded healthy aging initiative in a community with more than 6,000 residents over 60. This cutting-edge collaboration, based on the World Health Organization’s Domains of Healthy Aging, focuses on developing programs to address economic and infrastructure needs for an age-friendly community.

Dr. Rowe has spoken extensively on aging issues at conferences and symposia locally and globally and is an expert in establishing age-friendly communities. In 2020, the National Association of Area Agencies on Aging presented her with a “Best Practices for Socially Engaging Older Adults Award” for the “Repair Café” she established — the first of its kind in NJ. An inter-generational event, the cafe brings together people of all ages and levels of expertise to repair and save treasured items. This also helps to keep such items out of landfills.

Dr. Rowe serves on the steering committee for Impact 100 Essex and is a mentor for the Juvenile Diabetes Research Foundation. Previously, she was a Board member for the Interfaith Hospital Network.

Dr. Rowe earned her DrPH in Health Policy and Management from Columbia University, where she received a Fellowship in Public Policy. Her BA in Economics is from Bates College.

Guest blog by Mark Tabakman, NJAAW Board member

I remember growing up and watching my aging grandmother sit by her living room window, looking out, waiting for nothing in particular to happen – just watching her life pass her by. 

That sad, helpless memory always stayed with me, but I was never able to take that sadness and transform it something productive, something that could help people.

Then, 20 years ago, I became involved with the New Jersey Advocates for Aging Well (formerly New Jersey Foundation for Aging).

I joined the organization and first served on an Advisory Council. I then ascended to the Board of Trustees, became its Chair for six years and after my term as Chair expired, I am serving as a Board member again.  

Realizing a Wish

I wanted to do something that would make the lives of older adults more meaningful and enriched, so more grandmothers (and grandfathers) would not have to stare out of apartment windows. At the time, then-NJFA, with its emphasis/focus on facilitating seniors to live independently, actively and in their community, gave me the opportunity to realize this wish.

To me, it is the accomplishments and actualization of our vision that is most valuable, as it shows me that we are making a difference. Coupled with this is the engagement and dedication of our Board members, who seek to bring those things to life. This is all done in concert with the extremely hard work and devotion of our staff, who move our agenda forward every day. This is why this change in our name, New Jersey Advocates for Aging Well, more accurately describes who we are and what we do.

We tend to think that “getting older” is something that is going to happen in the future. However, it is happening every day, and educating yourself about what you and your loved ones are going to face as you live and age in New Jersey, is critical.

Everyone has a right to age well in the community of their choice. As the New Jersey Advocates for Aging Well, we will continue to provide leadership in public policy and education and work diligently to ensure that all New Jersey residents can do just that.

New!

Included in NJAAW’s name change is an updated logo and this new website, which is a portal packed with reliable information on programs and services available in New Jersey to help you live life to the fullest.

NJAAW will present educational forums and its Annual Conference (online June 3 and 4) offering development opportunities and best practices for professionals entrusted with caring for seniors. Our award-winning monthly TV talk show, “Aging Insights,” features local and national experts and connects seniors, their families and caregivers to community-based services and resources. The program can be viewed on our YouTube channel at youtube.com/user/njaaw/ (where you can subscribe and get notified of upcoming topics), here on our website and more than 70 public-access TV channels throughout our state.

This is an historic moment! Nearly 23 years have passed since we were founded. Now, in 2021, we have a new name, a new logo, a new website. Our mission, however, never changes!  

New Jersey Advocates for Aging Well. Join me in celebrating and spreading the word!

Mark Tabakman (MTabakman@foxrothschild.com) is a Partner, Labor & Employment Department, at Fox Rothschild, LLP, where he has practiced since 1987.  He is conversant in all aspects of employment law and has expertise in wage-hour and overtime law, including defense of employers in numerous DOL audits and wage lawsuits.  

COVID-19 and Senior Volunteering: To Serve or Not to Serve?

Guest blog by Lauren Lamin, Program Coordinator, New Jersey’s Foster Grandparent Program

The onset of the pandemic hit NJ’s Foster Grandparent Program hard. The novel coronavirus was particularly concerning to our program because according to public health officials, two of the most vulnerable groups at risk were seniors aged 65 and older and school-age children. Unfortunately, those also happen to be the core segments of our program’s demographics…

New Jersey’s Foster Grandparent Program (NJ/FGP), part of AmeriCorps Seniors, provides low-income senior residents, ages 55 and up, with the opportunity to work one-on-one as mentors and role models to children with special or exceptional needs.

Volunteers, who must be retired and/or receiving Social Security, do this work in classrooms or institutionalized settings throughout the state. Income eligibility (200% under the federal poverty line), criminal history and background checks are required for volunteers to serve, and they receive a tax-free stipend of $3 an hour. Travel reimbursement, free breakfast and lunch provisions, supplemental accident and liability insurance and an annual award-recognition event are some of the program benefits.

Foster Grandparents support schools and community needs related to children where traditional services are not available, such as encouraging socialization, modeling appropriate behaviors and skills, assisting in the development of motor and learning skills, tutoring, listening, talking, singing, walking and reading.

THE PANDEMIC

In March, the new reality of pandemic-related lockdowns, social distancing and limits on travel and gatherings were put in place as safety measures by Gov. Murphy’s executive orders. Such measures kept our Foster Grandparent volunteers at home and off duty.

Major fears for our volunteers escalated because many were afraid or not able to leave their homes, even to shop for food. And a few of our volunteers suffer from food insecurities and isolation.

HELP AND KEEPING CONNECTED

My colleagues and I made weekly phone checks to our volunteers, home visits to drop off food to those in need and ran errands as a courtesy to those who expressed a need. We also completed monthly conference calls to keep all of our volunteers connected to the program and each other.

Fortunately, the national office of AmeriCorps Seniors has made it possible to continue monthly stipends during this period by providing a COVID-19 allowance until December 31, 2020. Many of our volunteers have come to rely on these stipends.

BACK TO SERVICE

Now that some of the Governor’s executive orders, COVID curfews and closure restrictions are lifting, and some schools have re-opened, we are working to transition our volunteers back into service. A number of our volunteers remain concerned about the potential risks that COVID-19 may have on their health, and we’re concerned for them as well. Nonetheless, the majority cannot wait to go back to their sites. They love and miss working with the children.

Our pathway back to service includes practicing social distancing, using required personal protective equipment (PPE) and taking on new permissible service roles.

DIGITAL DIVIDE

COVID-19 thrusted our senior volunteers into the virtual world. Many of our older adults were not very “tech-savvy” and nervous about all things web-related. Right away, we saw first-hand how Foster Grandparents were deeply affected by the digital divide. Our volunteers not only lacked the knowledge of how to use technology, but they also lacked the equipment and access to the internet.

As a team, we developed a few solutions to address this issue, starting with training. We now have a mandatory “Computing 101” course that includes setting up WiFi, how to log in and how to use Zoom. We have also teamed up with CyberSeniors, a national organization whose mission is to bridge the digital divide, and Rutgers Extension to provide online training content and services.

Besides virtual engagement with the students during the coronavirus, our volunteers have been packing and delivering lunches to students in local NJ communities and serving as School Greeters to walk students to their classrooms, because parents are no longer allowed in school buildings. Those volunteers who are more tech-savvy are helping as in-person guides and assistants to students learning virtually at home or in the classroom.

GREAT GRANNIES!

Foster Grandparents join the program to give back to communities and offer their time, wisdom and unique skills. We are so pleased that NJ FGP volunteers are able to continue to serve children and their families throughout this pandemic.

It is quite rewarding to see our volunteers in their “second act” of life learning new skills and becoming essential resources. “Volunteers add positivity, care, and warmth that the children in our center need to thrive,” Program Director Pat Staltari says. “The volunteers give that extra love and attention that many of our students are not receiving at home. We love our grannies!”

When you volunteer, you’re not just helping others — you’re also helping yourself. Volunteering leads to new discoveries and new friends. Additionally, in a two-year AmeriCorps Seniors study completed in 2018, 85% of participants said that volunteering helped stabilize or improve their health. Plus, 88% of the volunteers said that they felt less isolated and now have a new purpose in life. Other research shows that volunteering helps you live longer and promotes a positive outlook on life. Join us!

For more information on NJ’s Foster Grandparent Program, and to meet guest blogger Lauren Lamin and Grandma LuLu, one of her volunteers, watch Aging Insights, Episode 110 on NJFA’s YouTube channel.

Lauren Lamin (left) is a Program Coordinator with the New Jersey Foster Grandparent Program (NJ/FGP), an AmeriCorps Seniors program. NJ/FGP is sponsored by NJ Department of State, Governor’s Office of Volunteerism (GOV). Donna Teel is NJ/FGP Director and Rowena Madden is Executive Director GOV. For more information, visit https://nationalservice.gov/programs/senior-corps, follow @VolunteerNJ on Facebook, and email Lauren at lauren.lamin@sos.nj.gov.

Caregiving 101: for those who are new to the role

November is National Family Caregivers Month. We’d like to thank Caregivers of New Jersey (CNJ) for providing this guest blog.

Many families and loved ones across the nation are held together by the support of their caregivers. Day in and day out, these brave individuals are the ones making the sacrifice to ensure the well-being of so many.

According to “2020 Report: Caregiving in the U.S.,” a May 2020 research report from AARP, there are an estimated 63 million caregivers in the United States, and this community continues to grow. With aging generations needing more to support their healthcare, many people are finding themselves becoming caregivers.

An intimidating role to step into, being a caregiver is no easy task – especially during a global pandemic. There are many struggles and challenges to face. However, as a nation and as a caregiving community, we are united in resilience to meet them head-on.

Over the years, the caregiving community, healthcare community, government and so many others have come together to bring resources to our bravest individuals – our caregivers. Whether in our homes or on our frontlines, there is always help. Let us show you.

Getting Started
The caregiver role can take many shapes. It could be someone caring for an aging parent, a loved one with a disability or even a young adult caring for a relative. You could be getting groceries, helping with physical therapy, arranging appointments, administering prescriptions/medical care and much more. No matter what role a caregiver has, there are several first steps that every caregiver should take:

• Get a solid diagnosis: Having an accurate distinction of the disability or medical condition your loved one is facing will help you become a better caregiver. You will have more of an understanding of what you can do and what you should research to provide the best standard of care.

• Research: The more you know about the condition/disability, the better. This will prepare you for the care you can provide and allow you to have deeper communication with medical staff. Additionally, you can find and connect with caregiving resources that are more central to the needs you find (see below).

• Talk with Family/Loved Ones: It is important to include those who are relevant to your loved one throughout this process. The treatment your loved one receives and how the process is handled can become very personal, and tough decisions may need to be made. Having open and honest discussions can create a better circle of support and understanding as you all go through this together.

• Finances: There should be clear outlines of a financial plan to care for your loved one. Again, this involves talking with those who are relevant to the person needing care, as well as medical providers and insurance. Creating a well-thought-out budget will help you focus on the more important parts of being a caregiver, which will minimize stress.

• Complete Legal Paperwork: This might include a Power of Attorney, Advance Medical Directives, POLST form, wills, etc. Having these documents completed ahead of time will provide answers to questions down the road if the condition worsens, and alleviate stress. It is always better to be prepared, even if these are difficult conversations to have.

Connect with your Local Community
There are 63 million caregivers nationwide, and you are never far from help. All across the country, there are people just like you who have come together to create resources for the community. Doing some research to find out what is available in your area can be extremely helpful when it comes to answering questions, finding the best care or even just finding someone to listen to. Locating your closest caregiving coalition, such as Caregivers of New Jersey, can provide you with a more personal level of support and resources.

Caring for YOU
Caring for someone 24/7 is no easy job. When you spend so much time caring for others, you may forget to take care of the most important part of caregiving – YOU!

According to a 2020 AARP survey, 26% percent of family caregivers described their situation as “highly stressful.” High levels of stress can take an immense toll on personal health. As AARP notes in their updated May 2020 article, titled “Caregiver Burnout: Steps for Coping with Stress,” 4 in 10 caregivers experience depression, mood swings and resentment due to their position.

There are many resources that can help you avoid this burnout. One of the main things caregivers need is simply time away. This is where respite care steps in. Respite care is short-term or temporary substitute care to relieve the primary caregiver. This can be found through Caregivers of New Jersey, some senior residential facilities, Veteran’s associations, local adult daycares, your local Area Agency on Aging, or even just family and friends.

Do not be afraid to ask for help! The help is there; you just need to speak up for yourself. You cannot be a good caregiver if you cannot care for yourself first. Practicing this “put-your-oxygen-mask-on-first” metaphor is not only better for you but better for your loved one.


Caregivers of New Jersey (CNJ) (njcaregivers.org) is dedicated to providing a central point of contact on caregiving issues, resulting in more effective information dissemination, increased support, awareness and advocacy. CNJ offers a wide array of resources for the caregiving community in counties across NJ, including support coordination, coalitions, and advocacy, as well as training and events. CNJ always puts the caregiver’s best interest at the heart of everything we do.

Caregivers of New Jersey was formed in response to the growing number of caregivers within the state. With more than 1.3 million caregivers in the state, CNJ will work to shed light on the mounting needs of caregivers and the increased need for support.

6 “Must-Do”s This Fall

By Mason Crane-Bolton

Let’s get ready for fall! | photo via Pixabay.com

 

6 “Must-Do”s This Fall
 

Fall is a wonderful time of year: fall strolls, warm cups of tea, falling leaves, and it’s the perfect time to get things done! Whether you have a to-do list already, or you’re planning only on basking in the cooler season, we have some items you should make room for on your itinerary.
 

  1. Get Your Home Ready for Winter.Get your home prepared for winter before cold temperatures and bad weather come knocking at the door! This fall do an inspection of your home inside and outside for projects that need to be finished for your own comfort and safety. Note any places where ice might accumulate around your door or walkway, as well as any cracks or gaps in walkways and steps that could trip you, and get them fixed before it’s too cold (or they’re covered in snow!). 

2. Do an Energy Audit of Your Home.The high cost of winter heating bills is a burden for many older adults in New Jersey. Now is a great time to see how you can potentially lower your bills by giving your home an energy audit. Look for places where you might lose the most heat, such as: drafty or older windows and doors, gaps under doorways, or uninsulated attics and pipes. Ways to rectify these heat-losers include installing draft guards and installing temporary insulation on your windows and doors. Of course, you don’t have to do an energy audit alone! Your heat or energy service provider may be able to provide you with weatherization programs and consultations, or connect you with money-saving programs. For more information on energy providers and their services, watch this recent episode of Aging InsightsAging Insights 89- Keeping the Lights On and More! 

3. Get Involved in Your Community.Fall and winter can be difficult seasons for many people, especially older adults and individuals with mobility difficulties. The shorter hours of the seasons and the weather challenges of winter can make it harder for people to socialize, and the work of fall and winter chores like raking leaves and shoveling snow can be difficult or dangerous for many individuals. Fall is a great time to get out and connect with others in your community to help prevent “winter blues” down the road! Utilize your current social networks or make new ones by checking out local resources like libraries, town halls and municipal buildings, and community centers for older adults. Check in on neighbors and connect with those who could lend a helping hand or might need one. Need help with outside chores like raking leaves and shoveling snow? Ask your community center for older adults or senior center if they have volunteers they can connect you with OR ask a neighbor and trade services (you can ask for assistance with chores and help them with a skill of your own, including life advice!), it will be a win-win for everyone. 

4Get Your Documents in Order.There’s no time like the present when it comes to preparation, and preparing for your and your family’s future is no exception. Although preparing for legal and medical care and end-of-life care can be complicated and difficult for many, waiting offers no benefit—going through an emergency or end-of-life care without carefully laid plans in place will only make the process more difficult for everyone. Make sure you have a willpower of attorney, and a medical decision-making document (such as a Practitioner Orders for Life Sustaining Treatment (POLST) form, though there are many others). We know this is a complicated decision for many and to help we recently aired this episode of Aging Insight to help you understand what you need and why: Aging Insights 96- The Three Most Important Documents 

5. Create a Disaster Plan.Don’t wait until blizzard season and sub-freezing temperatures to make a disaster plan! The worst time to need a disaster plan and not have one is when you’re in the middle of an emergency. Each September is National Preparedness Month, a time when you should review your disaster plans or create one if you don’t have one already. It may seem daunting to create a disaster preparation plan, but there are many resources to help you figure out what you need to include in your own plan and how to do so. Back in September 2018, we at NJFA created a blog post to specifically address the need for disaster preparedness and how you can prepare, which you can read here: NJFA Blog: Planning Ahead for Disaster and Staying Safe!. We’re not the only resource out there—we’d also recommend gov, the governmental website dedicated to disaster preparation.  

6. Sign Up for Assistance Programs.Assistance programs can carry a certain stigma with them; many people don’t want to sign up for assistance programs because they feel uncomfortable receiving help, or believe they won’t qualify. While not everyone qualifies for each program due to qualification restrictions imposed by state and federal guidelines, many programs suffer from underenrollment (in NJ only 48% of eligible persons are signed up for SNAP benefits!). The process can be confusing and complicated or plain daunting, especially when receiving assistance from different programs may require a separate application for each program. However, the recent development of the NJ Save application has made applying for programs a little easier through combining several different applications into one, easier-to-use online application. On a recent Aging Insights we spoke to two representatives from the NJ Division of Aging Services, who explained to us what NJ Save is and how to use it: Aging Insights 91- NJ Save Saves You!. Currently NJ Save covers several, but not all, assistance programs; be sure to investigate what other programs you might be eligible for, some of which are listed in our most recent blog post: NJFA Blog: The Importance of Programs. 

 

Whether or not you came here with plans for fall, now’s the time to make time for each item on this list! Don’t let the fall pass you by, and don’t let winter come with you un- or under-prepared. By reading this list you’ve taken the first step in becoming informed so now, before you jump into preparations, take a minute to breathe in that cool, crisp air and watch a few leaves float gently to the ground. Happy Fall everyone! 

 

If you have feedback or would like to be part of the conversation, leave us a comment below or email us as office@njfoundationforaging.org.

Come back for our next blog! New posts are published on the first and third Thursdays of each month.


Mason Crane-Bolton is Communications Manager for the New Jersey Foundation for Aging. His writing has appeared in EpiphanyUU WorldTo Wake/To Rise, and others. 

The Importance of Programs

By Mason Crane-Bolton

Have questions about what services are available to you? We have answers! | via Pixabay

 

The Importance of Programs

There are many programs available for eligible older adults, but not everyone is signed up for them. Some people aren’t aware of the types and specific programs available and others may know the programs, but don’t believe they’ll qualify for assistance. In today’s blog post we’ll take a brief overview of the types of programs available and why they’re important.

Why are these programs important? Often, due to a number of circumstances, including unforeseen medical costs, outliving one’s planned savings, needing to leave the workforce early or for lengthy periods due to medical or caregiving needs (and so on), older adults often find themselves with far fewer financial resources than they need to survive. The impacts of these problems are especially noticeable in a high-cost state such as New Jersey. Research on the issue, such as the Elder Economic Security Index (EESI), has repeatedly showcased the difficulties faced by older adults continuing to age in New Jersey. Older adults face higher risks of homelessness, hunger, and delayed or neglected medical care due to their financial means. Although the programs listed below help to combat these disturbing trends, these programs are also often threatened by financial cuts, changes in eligibility requirements, and lack of legislative or community support.

Food Assistance

The Supplemental Nutrition Assistance Program (SNAP) may the one of the most well-known of the food assistance programs. Another popular program is the Senior Farmers’ Market Nutrition Program (SFMNP), which “promotes nutritional health among New Jersey’s senior citizens by providing them with locally grown fresh fruits, vegetables, and herbs.”

Check your eligibility and apply for SNAP here: Apply for SNAP

Medical Assistance

In addition to Medicare, there are several other programs for older adults, including prescription assistance. The Pharmaceutical Assistance to the Aged & Disabled program (PAAD) is a state-funded program that helps eligible seniors and individuals with disabilities save money on their prescription drug costs.

To learn more about applying for Medicare go to the Social Security Administration’s website here: Social Security Administration: Medicare

To learn more about applying for PAAD, the Senior Gold Prescription Discount Program, and other Medicare savings programs, continue to the section on the new NJ Save application and follow this link: NJ Save Application

Assistance for Homeowners

For eligible homeowners, assistance is available with your property taxes. The Property Tax Reimbursement Program (popularly known as the Senior Freeze Program) and the Homestead Benefit Program are available to older adults who qualify.

Learn more about the eligibility requirements and how to apply for the Property Tax Reimbursement Program here: NJ Property Tax Reimbursement Program a.k.a. “Senior Freeze”

Heating and Cooling Assistance

The Low-Income Heating and Energy Assistance Program (LIHEAP) “helps very low-income residents with their heating and cooling bills, and makes provisions for emergency heating system services and emergency fuel assistance within the Home Energy Assistance Program.”

Check your eligibility and download the application for LIHEAP here: Apply for LIHEAP

Multi-Program Savings and Application

New Jersey’s new application NJ Save allows eligible older adults and those with disabilities to apply and enroll in the following programs simultaneously:

-Pharmaceutical Assistance to the Aged and Disabled (PAAD)

-Senior Gold Prescription Discount Program

-Lifeline Utility Assistance

-Medicare Savings Programs (SLMB & QI-1)

-Medicare Part D’s Low Income Subsidy (aka “Extra Help”)

-Hearing Aid Assistance to the Aged and Disabled (HAAAD)

The application is also used to screen for LIHEAP, SNAP, and Universal Service Fund (USF). In addition, individuals who qualify for PAAD and Lifeline Utility Assistance through NJ Save may also be eligible for Property Tax Freeze (“Senior Freeze”), reduced motor vehicle fees, and low-cost spay/neuter for pets.

Learn more about NJ Save and apply here: Apply Through NJ Save

Programs aimed to assist our most vulnerable often seem out of reach for many, and while it may be true that these programs all have eligibility requirements, many programs are under utilized. Remember that only 48% of eligible older adults in New Jersey are currently receiving SNAP benefits. Rather than assume you don’t meet the eligibility requirements, look into the requirements for each program (or use the NJ Save application) and apply for all the programs you meet the criteria for. Regardless of what assistance level you might receive from an individual program, each benefit can help you and even small benefit amounts can quickly add up to substantial assistance across several programs!

 

If you have feedback or would like to be part of the conversation, leave us a comment below or email us as office@njfoundationforaging.org.

Come back for our next blog! New posts are published on the first and third Thursdays of each month.


Mason Crane-Bolton is Communications Manager for the New Jersey Foundation for Aging. His writing has appeared in EpiphanyUU WorldTo Wake/To Rise, and others. 

Medicare Fraud. How We Can Fight it.

Today we bring you a blog post from guest blogger and NJFA friend Charles Clarkson, Project Director of the Senior Medicare Patrol of New Jersey.


By Charles Clarkson, Project Director, Senior Medicare Patrol of NJ

 

Medicare fraud is estimated to cost American taxpayers $60 billion a year, monies that are siphoned off and are not available for legitimate Medicare services. At the Senior Medicare Patrol of NJ (SMP), which is a federally funded program, we want to educate Medicare beneficiaries so they do not become victims of Medicare fraud. There are steps Medicare beneficiaries can take to fight this fraud. The most important step is to protect your Medicare number. Even though Medicare issued new Medicare cards to all beneficiaries with randomly generated numbers and letters and removed the social security number from the cards, the Medicare number (now known as the Medicare Beneficiary Identifier) is still very valuable to fraudsters who can use it to bill Medicare. Beneficiaries should not give out their Medicare numbers to anyone they don’t trust. This is especially true for the many beneficiaries who receive robo calls on a constant basis. The rule of thumb is to never pick up the phone if you do not recognize the telephone number on your message machine. Let the message machine screen all of your calls and then you can decide to return the call or not. Most beneficiaries will find that no message is left and they can then ignore the call.

The next step is to always read your Medicare Summary Notice (MSN), the document a beneficiary receives from Medicare usually 3 months after seeing a Medicare provider. It is important for beneficiaries to review their MSN, not just because of fraud but because mistakes can also happen.

Step three is to keep a personal health care journal or calendar. Record every time you see a medical provider, take a test or have other services provided. When you get your MSN compare it with your journal or calendar. Make sure you are not being scammed. If you are not sure something is fraud or you have a question about the billing, call your provider and ask for an explanation.

Step four is to report any suspected fraud or error. This step is vitally important. Failure to report will translate into the provider getting away with any fraud or errors. Remember, this is your money. You pay Medicare premiums, co-pays, co-insurance, deductibles and other charges. If you need assistance in fighting Medicare fraud, as you were unable to resolve it yourself, call the SMP. Our telephone number is 732-777-1940 and our hot-line number if 877-SMP-4359. A beneficiary can also use our web-site to report a fraud on the form provided. Visit seniormedicarepatrolnj.org

Even if you are not sure if it is fraud but need questions answered, call us. We are a free service and we are here to help. Every beneficiary should feel empowered to help fight Medicare fraud. At the SMP we want to keep Medicare as a viable program that is there for every beneficiary.


Charles Clarkson is Project Director of the Senior Medicare Patrol of NJ

Proposed SNAP Cuts-What You Need to Know

By Mason Crane-Bolton

 

At NJFA we are very disturbed by the effects of this proposed cut to the Supplemental Nutrition Assistance Program, otherwise known as SNAP (food stamps). New Jersey is directly and especially impacted by reductions to SNAP. In our high-cost state, reductions and restrictions to SNAP would eliminate tens of thousands of individuals and families from the program who desperately need food assistance in order to eat regularly; this number includes over an estimated 15,000 individuals over 60 years old.

If the proposed cuts were to pass it is estimated 3.1 million people nationwide would lose their SNAP coverage, and while our focus is always on the state of New Jersey at NJFA, we cannot allow or afford to let hundreds of thousands of older adults and families lose their SNAP coverage and risk malnutrition and hunger.

Additionally, we must consider how the reductions in SNAP benefits would affect the rest of New Jersey. It is estimated that $33 million dollars would be lost in money going to local businesses as a result of the reduction in SNAP dollars coming into New Jersey. These are local businesses that not only help the state help seniors through a stronger economy, but they are also community contributors who help improve the quality of life for older adults in New Jersey.

Today we urge you to learn more about the proposed cuts to SNAP and to speak out about your thoughts on SNAP. Speak within and outside of your circles about how the proposed cuts directly impact older adults in New Jersey and nationwide.

We also urge you to watch for our official statement on these proposed cuts to SNAP. In the meantime, we highly recommend you read the information from Hunger Free New Jersey (see below) explaining the proposed cuts to SNAP and how they impact the state and, perhaps, you.

 

Hunger Free New Jersey: Proposal threatens SNAP assistance to children, families, elderly

 

If you have feedback or would like to be part of the conversation, leave us a comment below or email us as office@njfoundationforaging.org.

Come back for our next blog! New posts are published on the first and third Thursdays of each month.


Mason Crane-Bolton is Communications Manager for the New Jersey Foundation for Aging. His writing has appeared in EpiphanyUU WorldTo Wake/To Rise, and others. 

What’s in the Works—Policy Updates in NJ

By Mason Crane-Bolton

What policies will affect you? | Photo by Katie Moum on Unsplash

 

Life moves at a busy pace and it can be easy to lose track of the important governmental and legislative changes going on around you. It’s extremely important, however, to know what’s going on in public policy and what potential or impending changes will directly affect you. There are many legislative updates for older adults in New Jersey, either new policies or older policies changing and policies coming up for a vote. Below we’ve written a summary of several public policy updates from this past year and some that may come in the near future.

 

Earned Sick Leave: Earned Sick Leave: Effective as of October 29, 2018, employees in New Jersey are entitled to earn up to 40 hours of paid sick leave per year for care for themselves or a family member. This new law covers most employees in the state, whether they are full-time, part-time, or temporary, and covers employees regardless of the size of their employer’s organization (there’s no minimum number of employees required for compliance).

Sick time may be used for oneself or a family member to care for physical or mental health or injury, to address domestic or sexual violence or assault (including legal proceedings), to attend a child’s school-related meeting/conference/event, or to take care of children when school or child care is closed due to a public health emergency. Employers cannot require documentation (a “doctor’s note”) as to the reason for your use of sick time unless you use three or more consecutive days of sick time. Employers may not retaliate against an employee (e.g., write up a disciplinary note, threaten you, suspend or fire) for their lawful use of sick leave.

Earned Sick Leave also greatly expands the definition of “family member” under the law. Under the law, employees may take off to care for family members in addition to themselves. Family members, as defined by the Earned Sick Leave law, include an employee’s: child (biological, adopted, foster, stepchild, legal ward, or child of a domestic or civil union partner), grandchild, sibling, spouse, domestic or civil union partner, parent, grandparent, spouse/domestic partner/civil union partner of the employee’s parent or grandparent, sibling of an employee’s spouse/domestic partner/civil union partner, any other individual related by blood, or any individual whose close association is the equivalent of family.
This expanded definition of family is groundbreaking and a game changer for many older adults and caregivers; not only are a spouse’s/partner’s family now included in the definition of family, but so are those who are close enough to the employee to be considered family by the individual. These protections are a huge boon to those who care for a partner’s family or those without nearby family who rely on a network of friends and loved ones (sometimes called “found family”) to help provide care. This is especially beneficial to some older adults who may be less likely to have close relationships to biological family or may not have biological family, such as those in the LGBTQ community and older adults without children or who did not marry.

You can also learn more about Earned Sick Leave and other paid time off options for New Jersey employees on the latest Aging Insights here: Aging Insights, “Take the Time You Need”  and visit the official Department of Labor website at https://mysickdays.nj.gov.

 

SNAP: The Supplemental Nutrition Assistance Program (known by the acronym SNAP) is a federal program that provides supplemental food assistance to a great number of people, including a significant number of older adults. However, underenrollment in the program is both a state- and nationwide problem.

Although not everyone will qualify for SNAP, the program can provide even small benefits to many older adults who are not currently enrolled. These seemingly small benefits could also have a major impact on the food security and happiness of many older adults. Don’t assume you don’t qualify. To learn more and apply for SNAP, go to: https://www.nj.gov/humanservices/dfd/programs/njsnap/

 

Workplace Age Discrimination (Bill S3799): Legislation to ban age discrimination in the workplace in New Jersey is underway. Although still in progress, if passed, Bill S3799 would forbid employers in New Jersey from practicing workplace age discrimination on employees aged 70 or older (currently explicitly allowed in the state’s Anti-Discrimination Law). This new law would:

 

1) Eliminate current law that allows employers not to hire or promote workers over 70 years old.

2) Close a loophole for governmental employers that allows them to require an employee to retire when they reach a certain age.

3) Get rid of a law that allows institutions of higher education to require tenured employees to retire when they turn 70.

4) Amend the current law against discrimination to ensure that an employee who is unlawfully required to retire because of age has available all remedies provided by law. Unlike every other form of discrimination, those illegally forced to retire are currently limited to filing a complaint with the Attorney General and have relief limited to reinstatement with back pay and interest.

 

Older Americans Act: The current iteration of the Older Americans Act is set to expire on September 30, 2019. The Older Americans Act is a key and vital piece of legislation in funding critical services for older adults, including meal services, professional training, caregiver support, senior centers, transportation services, health promotion and outreach programs, benefits enrollment and assistance, and more.

If you support the reauthorization of the Older Americans Act, now is the perfect time to speak to you local and national legislators and advocates to let them know you want the Older Americans Act to be renewed. Without reauthorization, the Older Americans Act will expire (leaving the funding and state of the above programs uncertain) on September 30, 2019.

To learn more about the Older Americans Act and the efforts for its reauthorization, visit the National Council on Aging’s website at: https://www.ncoa.org/public-policy-action/older-americans-act/

 

Linda’s Law: On July 5th, 2018, Linda Daniels of Newark died of congestive heart failure after her power was cut off on a sweltering 90? day. Linda’s power was terminated for nonpayment, which then cut off her air conditioning and her electrified oxygen tank, a device she used to help her breathe. Despite frantic efforts on the part of Linda’s family, power failed to restore in time and Linda Daniels passed away at age 68. On July 5th, 2019, one year to the date of Linda’s death, Governor Murphy signed a package of legislation dubbed “Linda’s Law” that requires all New Jersey utility companies to determine and check with all residential customers if they use life-sustaining equipment that relies on the use of electricity. Residential customers who use such equipment cannot have their service shut off for 90 days after nonpayment and are now banned from doing so by the state.

 

Aid in Dying for the Terminally Ill Act: On April 12, 2019, Governor Murphy signed the Aid in Dying for the Terminally Ill Act into law. The law makes New Jersey the eighth state to have a death with dignity statute. The law, which has many stipulations and restrictions, will allow terminally ill individuals (who have received a terminal diagnosis from two separate physicians) to be prescribed a medication that will allow them to end their life as long as they have the ability to swallow. Death with dignity advocates have championed the law as a win for terminally ill patients who face needless suffering. Many groups have also opposed the controversial bill, and some legislators have introduced opposition to attempt to halt the bill before it goes into effect.

The law is set to go into effect on August 1st, 2019.

 

Thank you for reading and catching up on the latest policy updates! As always, we’ll update you throughout the year on any important changes—to follow policy and other updates, follow us on Facebook @njfoundationforaging, Twitter @njaging, Instagram @njaging, and LinkedIn @NJ Foundation for Aging.

 

If you have feedback or would like to be part of the conversation, leave us a comment below or email us as office@njfoundationforaging.org.

Come back for our next blog! New posts are published on the first and third Thursdays of each month.


Mason Crane-Bolton is Communications Manager for the New Jersey Foundation for Aging. His writing has appeared in EpiphanyUU WorldTo Wake/To Rise, and others. 

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