Unfortunately, we have seen this over and over: Well-meaning older adults who want to support a good cause become the targets or victims of a scam
Why Are There Scams About Ukraine?
Let’s be clear – the people of Ukraine need our support and help. Lives are disrupted, infrastructure is destroyed and peoples’ health, welfare and lives are at risk.
Scam artists are despicable when they take the focus on a crisis and use it to try and rob well-meaning people.
NJ has a high number of Ukrainian immigrants – the 4th largest community in the United States. Many came over in the 1980s to work and raise their families, and are now retired. The headquarters of the Ukrainian Orthodox Church of the USA is based here in South Bound Brook, at St. Andrew Memorial Church.
We know the compassion and concern are real. We just want to make sure the support that people want to give gets to the right place – and not in some scammer’s pocket.
Why Do Scammers Target Older Adults?
We have this struggle – while we want to help older adults with technology and close the digital divide, we also do not want to expose them to fraud. We want people to be safe and be cautious online.
If you get emails asking for donations, check the address it came from. Do not open an email or click on a link unless you really know where it is from. If you go to a website to get information or to donate, make sure you are going to the site you want and have not been redirected to another site with a similar name.
Also, the problems aren’t only online. There has been no slowdown in telemarketing scams.
Telemarketing has become an easy way for fraudsters to scams seniors. Many seniors will always pick up the phone – and have been doing so all of their lives. Since we are in our homes more because of COVID or the cold weather, we hear that phone ringing. As our partners at Senior Medicare Patrol advise: If you receive a call and you do not recognize the caller’s telephone number, do not pick up the call. Let your answering machine screen all of your calls.
How to Help Ukraine
Our advice is to donate through an organization you know and trust, such as the International Committee of the Red Cross or Doctors Without Borders. Locally, if your house of worship is organizing something to help the people of Ukraine, or if there is a Ukrainian church or synagogue you know that is doing something, that might be the best way to ensure that your help will really get there. Also, large church-based charities, usually covering a diocese or synod, are trustworthy places to donate to if they have set up a fund for Ukraine.
We also see that some news stations have screened organizations that are helping Ukraine and are posting this information on their broadcasts as well as on their websites.
Fighting Scams on Any Topic
Be sure that you never feel intimidated or pressured to give money or any personal information to someone you don’t know. If you feel pressure, hang up the phone. If someone, by phone or email, is trying to make you feel flustered or dumb, know that you are not. Scammers are smart, persistent and only need to trick one person to make money.
Also, while it may be hard, share your experience with others. Tell people about the calls or emails you’ve received that seem suspicious so that they can learn. You will be providing a service by sharing our experience with others.
If you suspect that you have been the victim of a scam, report it to cyber.nj.gov or AARP’s toll-free fraud helpline at 1-877-908-3360.
Finally, always keep up your vigilance:
Do not respond to emails if you do not know the source
Initiate calls or conversations yourself
Double-check the website address if you want to donate online – make sure you weren’t redirected
I will leave my friend’s name out, just in case she is reading this blog, but I think her reaction is one that many people have because they are not aware of the range of housing options for older adults.
There isn’t one large leap from living independently in one’s home to needing assisted living — there are numerous steps and choices.
Housing needs are not clear-cut nor consistent. There are a continuum of needs, finances, preferences and opportunities.
Housing is likely the biggest investment most of us will ever make — our home becomes a place we can call our sanctuary, and build memories. As such, the “where” and “how” we live are among the most important decisions we make. And these decisions cannot — or should not — be made suddenly or in a moment of crisis.
According to statistics, more than 23% of NJ’s total population is over 60 — and by the year 2030, all Baby Boomers will be of retirement age. Additionally, studies show that the majority of adults 50+ wish to remain in their homes and/or communities as long as possible, with a sense of independence and connection.
We need to spend time educating ourselves about available options, planning in advance for adapting our current home, exploring our next home and preparing for change.
For all of these reasons, we are hosting the NJAAW Housing Series, bringing together experts in the realm of NJ housing to explore options at each stage and need, to help you make informed decisions for yourself or for the older adults in your life.
The series takes place online on consecutive Wednesdays in February at 4 p.m.
Speakers will explain strategies to help you stay in your homes with modifications and built design. They will also discuss options for getting help in the home, downsizing and when assisted and supportive living becomes necessary.
You’ll find more information at njaaw.org/events. Please register once for Zoom links to all four sessions Those who register will also have on-demand access to session recordings.
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?
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
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
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.
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 aremaking 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.
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.