Mainers over 50 are the state's largest voting bloc and surveys show they are concerned how the election will affect Social Security.

The fund's reserves could become insolvent in 2035 and preventing any shortfalls will require Congressional action.

Noël Bonam, state director of AARP Maine, said more than 350,000 Mainers depend on their monthly checks as a source of income.

"Candidates who support policies that will protect Social Security would be the candidate that they would be voting for," Bonam explained.

Bonam pointed out caregiving is another top-of-mind concern for voters. The state's passage of a paid family and medical leave program is expected to help an estimated 166,000 unpaid caregivers. But family advocates said lawmakers need to ensure continued funds and services are available to get people the financial and emotional support they need.

Both Vice President Kamala Harris and former President Donald Trump have pledged not to cut Social Security payments. Harris said she will raise taxes on wealthy households to ensure top earners are paying their fair share, while Trump supports privatizing the system, which analysts noted carries some risk.

Bonam recommended if voters are unsure of where their congressional representatives stand on the issue, they should give them a call.

"Picking up the phone or sending an email to the campaign offices of the candidates I think are great ways to kind of get more information on the positions of candidates," Bonam advised.

Bonam observed most state-level candidates list their positions on Social Security on their campaign websites. He added AARP Maine has created a nonpartisan, online voter guide, which is useful to both first-time and lifelong voters. It includes information on voter registration, absentee ballots, and recent changes in Maine election law.

Next Monday marks the beginning of "PROTECT" week, when AARP helps seniors learn the signs of financial fraud.

Experts say Maryland seniors can protect themselves and their finances through education. According to data from the Federal Trade Commission, Americans lost nearly $5 billion due to fraud in 2024, increasing 25% from the previous year. A poll from the University of Michigan found 75% of adults from ages 50 to 80 experienced a scam attempt, and 30% experienced fraud.

Karen Morgan, a member of the AARP Maryland executive council, said a government agency would never call someone out of the blue if there's a problem.

"If the caller is asking or demanding that you do something immediately, that's a huge red flag," she said. "If they're telling you that there's something urgent that you're about to be arrested, that's a huge red flag. You can't get arrested over the phone."

Victims age 60 and older experienced an average loss of more than $80,000, according to AARP.

Jane Dean was a victim of senior financial fraud. She received a call from someone posing as a government agent for the Social Security Administration. Eventually, she paid the scammers more than $25,000.

She said one of the biggest lessons from her own fraud case is taking a pause when you receive an alarming call. She explained that thinking the situation through could save someone from losing thousands of dollars.

"They just need to stop. Stop and just dial it back when you find yourself in a heightened emotional state in response to either a text, phone or email," she said. "That's the most important thing. Put the brakes on."

AARP is streaming a number of free workshops, town halls and interviews on elder financial abuse from Monday through June 20.

June is Brain Awareness Month, and experts say Virginia seniors should consider decluttering their homes to improve brain health.

According to an expert with Hacksensack Meridian Health, decluttering can decrease stress, improve sleep quality, and increase focus.

Leslie Pendleton, community ambassador with AARP Virginia, said she often sees two types of seniors who want to declutter - those who have retired, and those who have begun to experience health struggles.

"Health issues that crop up that are signs that people need to start thinking about downsizing," said Pendleton, "and to downsize, you've got to declutter. That's the first part of the process. You can't take it all with you, in other words."

Experts with Nuvance Health says clutter makes it difficult for your brain to focus on one specific thing, splitting your attention and causing sensory overload.

They say constant sensory overload can lead to increased mental fatigue.

But who should be involved in the decluttering process? Many seniors have children, grandchildren, nieces and nephews that may desire to keep some of their relative's treasures.

Pendleton said having a plan about who gets what is essential.

"It can create family turmoil if the person who is downsizing and decluttering doesn't already have some form of an estate plan in place, a will," said Pendleton. "They haven't necessarily thought out who they want to have what, so that's part of the process too."

Pendleton added that younger people are part of what she calls the 'IKEA generation,' often having less clutter and wanting less things.

Those interested in learning more can are encouraged to sign-up for an upcoming ARP Virginia decluttering workshop led by Pendleton.

Memory care facilities in Arizona have a new set of rules intended to improve quality of care for patients and ensure more accountability for providers.

Brendon Blake, director of advocacy for AARP Arizona, said the set of rules, approved by the Governor's Regulatory Review Council last week, are a big win and an improvement over what he said had been a lack of guidance for facilities.

The changes are a result of House Bill 2764, signed into law last year. Blake pointed out the rules should fill in gaps by requiring dementia-specific training for memory care staff and managers, stricter monitoring and enforcement, and new procedures to prevent those with dementia from walking out.

"Right now, there's no statutory or regulatory standard that's being held to," Blake explained. "It's really on the consumer themselves to do a ton of work, in an interview with that facility, to know if their level of what they call 'memory care' is really actually best practices across the country."

The new rules are set to take effect July 1, although the Arizona Department of Health Services is expected to give facilities a grace period to come into compliance. Blake added the rules also increase penalties for facilities not in compliance or repeat offenders.

Blake stressed the new rules are the result of 18 months of work. While some have expressed concerns they might be too vague, he argued they are a huge step in the right direction.

"The problem with being too specific is that Alzheimer's disease may be the most common form of dementia, but it is not the only form of dementia," Blake noted. "We want training to be robust enough that it can still cover a lot of ground, so that way, staff and managers can handle all kinds of dementia."

To those considering a memory-care facility, Blake encouraged people to ask how they plan to start implementing the rules.

"Is it commensurate with the training that is being required of them now?," Blake asked. "On the facility side of things, I think it is important that all of them know that the department has committed to continuing to do stakeholder meetings, to provide assistance."