This Thursday is World Elder Abuse Awareness Day, and AARP Maryland observes its annual PROTECT Week with a focus on elder financial abuse.

The FBI reported last year 88,000 people over age 60 were scammed out of more than $3 billion, an 84% increase over the prior year. More than 1,700 of the fraud victims were in Maryland.

Scams originating by email are common, and while people may be wary of an unsolicited email from a bank, they may drop their guard if they get a fake offer of a free gift from a business.

Karen Morgan, executive council member of AARP Maryland, said scammers often attempt to activate emotions.

"Scammers never appeal to your intellect," Morgan pointed out. "What they want to do is get you excited, and we call it putting people 'under the ether.' So, the idea is to get you really excited, really panicked, really upset, just really something, in some sort of heightened emotional state, so that you stop analyzing what's going on."

AARP Maryland will host a number of in-person and online events this week, including free document shredding at six locations around the state. Learn more online at AARP.org/MD.

AARP Maryland reminded people the source of financial abuse does not have to be a stranger. Loved ones or friends can take advantage of an older person as well.

Warning signs to look out for include caregivers or family members who ask for access to financial accounts, as well the appearance of new credit cards or unopened bank statements.

Morgan noted one scam becoming more common is known as "check washing," in which scammers use chemicals to erase the ink on a check and then change the amount or the payee.

"Lately, we've been hearing a lot about check washing, and why that's an issue for those of us who are older, is because we're more likely to use checks, and we rely on that as a way to do business," Morgan explained. "That's become more unreliable these days."

She added one way to reduce the likelihood of check washing is to use gel ink. The liquid ink soaks into the fibers of the check paper and is harder to remove.

Morgan added veterans, active-duty military and their family members need to be extra vigilant, as some crooks target them specifically.

"They're away, they're at remote locations, they're also moving around, which makes them somewhat more susceptible to fraud than the typical population," Morgan emphasized. "Because they're changing addresses, they're forwarding mail, they're getting information from maybe unknown sources that are presenting as federal or military."

More people are providing care at home for aging family members or those with disabilities - and a new study says they face mounting financial and emotional challenges in the process.

The report from AARP and the National Alliance for Caregiving finds more than 63 million Americans are now family caregivers, an increase of 20 million from 10 years ago. Nearly half of those surveyed face major financial hardships such as debt, lost income or food insecurity.

Bandana Shrestha, AARP Oregon's state director, said the work is getting more complex, adding to the stress.

"People are living with many chronic diseases, which may mean that people are managing multiple medications, they may have other medical demands on them," she said, "and a lot of this is being taken care of by family caregivers."

Oregon's 470,000 family caregivers, whom Shrestha calls the "backbone of the state's long-term care system," receive better support than most states. She cited policies such as paid family leave and programs such as Oregon Project Independence, which provides limited in-home services.

Alma Valencia is part of the "sandwich generation," caring for both her children and her aging mother with dementia. Valencia said she left a fashion career and its financial stability to care for her mother full time - and thinks one of the hardest parts is the isolation and stress.

"Caregiving isn't just a personal matter; it's a national issue," she said. "We need paid leave. We need financial relief. We need training. We need time to breathe."

Shrestha noted that on top of reducing paid work hours, family caregivers spend about $7,200 yearly on medical expenses. She said this is an area where lawmakers could help.

"They are forgoing a retirement savings, Social Security," she said, "so we have to do something in terms of offsetting those things."

She said AARP is supporting a bill in Congress focused on providing a tax credit for family caregivers, called the "Credit for Caring Act," which has more than 50 bipartisan co-sponsors.

More seniors in Washington state are facing financial strain or even losing their homes and seven local organizations will expand support for them with help from new grants.

Funds from AARP Washington's Community Challenge grants support quick projects to create more age-friendly communities.

Lauren McGowan, executive director of Local Initiatives Support Corporation Puget Sound, one of the grant recipients, said the $15,000 will help seniors get property tax relief, for which many do not realize they qualify, or need help in applying.

"We want to make sure that families have access to those resources so that they can stay in their homes, age in their homes healthy and well, and then pass along their homes to the next generation," McGowan outlined.

The group expects to help more than 5,000 low- and moderate-income older adults in King, Snohomish and Pierce counties. McGowan noted the average household can save thousands of dollars a year if they qualify for property tax relief.

Marcelo Pratesi, development director for Habitat for Humanity in Whatcom County, another grant recipient, said they will use the money to help 10 low-income homeowners over age 50 with repairs they cannot afford or manage. The project will enhance accessibility, health and safety, enabling them to age in place.

Pratesi added in North Whatcom County, the need is high.

"They don't have anywhere else to go to," Pratesi pointed out. "For us to be able to walk in there and build a wheelchair ramp or put in grab bars, or make bathrooms more accessible in general, it's going to be really great."

The Community Challenge Grants awarded more than $63,000 for projects across Washington state this year, part of AARP's national community investment, which has awarded more than $4 million to hundreds of organizations.


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A former Wisconsin mayor said the new federal budget will only worsen the current aging crisis families like hers have already been facing.

Analysis from the Congressional Budget Office suggests President Trump's budget bill will trigger automatic cuts to Medicare due to an expected increase in the national deficit.

Judy Karofsky, a former mayor of Middleton, said it would affect hospice services and end-of-life programs already in need of greater funding. She explained when her mother was 99, the local hospice agency determined she was not dying soon enough and abruptly discontinued her services. She explained how it also triggered her eviction from the assisted living facility where she was at the time.

"This happens in this country," Karofsky emphasized. "My mother was 99-and-a-half when that was decided. We were on our own for a matter of months. She did die within the next six months, just before she turned 100. It was cruel!"

Karofsky stressed cuts to Medicare would rob many of the most vulnerable Americans, like her mother, of their right to a dignified death.

Hospice provides patients and families with pain relief, medical equipment, nursing care and spiritual support. Studies show hospice saves Medicare and families money by reducing overall health care spending. Karofsky said without it, families are faced with financial burdens few can bear.

"I thought before I was involved with my mom's hospice care, that hospice was a charity," Karofsky noted. "I understand now that every hour of help, every service, every product that's brought to a hospice recipient is reimbursed through Medicare and every hospice agency is beholden to Medicare."

The number of Americans aged 65 and older is expected to more than double over the next 40 years.

Karofsky argued the issue of underregulated assisted living facilities will worsen the current aging crisis across the country. In her book, "DisElderly Conduct, The Flawed Business of Assisted Living and Hospice," Karofsky recounted her mother's negative experience at six assisted living facilities in Wisconsin and called for action to address the ongoing crisis.


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