ST. PAUL, Minn. - As Minnesota lawmakers wrap up their 2013 session, one of the new statutes that has emerged aims to prevent seniors and others from being scammed through wire transfers of money.

According to DFL Rep. Joe Atkins, for one thing, money transfers to locations other than the original destination are not allowed.

"If your money gets sent someplace and is being picked up or attempted to be picked up in a place other than where you sent it, you would get notification," he reported. "This is a key feature in these scams. They never pick up the money where you sent it, because they know that they could get caught."

The other part of the new law, which is supported by consumer groups such as AARP and will take effect August 1, is the development of a "do not send" list. That will allow people to sign up themselves and their elderly relatives, so they are not allowed to wire-transfer funds.

One woman who knows all too well how sophisticated scammers can be these days is Peggy Hiestand-Harri of Duluth. Her mother forked over $47,000, mostly from credit card advances, after being told she had won millions and a new car in a lottery.

"She's talking to a Lee Miller, border patrol for car stamps, a lawyer by the name of John Lee, Bank of America Senior President Mr. Peter Brown, and then she talked to the U.S. Marshal from Washington, D.C. And she's got routing numbers and account numbers, and I could see how she could think this car is coming."

Harri said her mother had to declare bankruptcy, and since then she has been withdrawn, and her mental and physical health have both deteriorated rapidly.

That story is hardly unique. Rep. Atkins notes that in these cases, when the money is gone, odds of recovery or an arrest are minimal, and currently Minnesota is the top fraud target in the nation.

"And I don't know what it is about Minnesotans, but we're just awfully nice people," the lawmaker declared. "Scammers can keep folks on the (phone) line a little longer than most and they suck them in and the next thing you know, folks are wiring hundreds or thousands or tens of thousands of dollars to scam artists."

Last year alone, there were over 100,000 scam victims in Minnesota, with losses estimated around $5 million, although it is said to be one of the most under-reported crimes.

More information is at bit.ly/109XRQ6.




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With the election a little over a month away, some say caregiving and long-term care are issues too big for candidates in Oregon to ignore.

There are about 460,000 family caregivers in the state providing $5.7 billion of unpaid care, according to a 2017 estimate.

Yvonne Smith, a faculty member at Clackamas Community College, said some people may not even realize they are caregivers.

"For example, if you are helping someone manage their medications, if you're doing someone's grocery shopping, if you're checking in on them and helping them go through their mail," Smith outlined. "Those are all caregiving activities."

Smith pointed out despite the numbers, Oregon is in need of more caregivers, especially with the avalanche of Baby Boomers retiring in the coming years. She added people need more resources.

"We don't have enough," Smith contended. "In fact, we don't have almost any programs to support in-home caregivers."

Smith explained Oregon has applied for a Medicaid waiver to ensure family caregivers can get breaks through respite care. She also noted professional caregiving from people who are not family members or friends is low-paying, although it is beginning to change with recent unionization efforts in the industry.

Fred Steele, Oregon's long-term care ombudsman, agreed the state is in need of more workers.

"There is a significant workforce shortage across the state for caregiving," Steele observed. "Whether it be in in-home settings, but particularly in our long-term care settings."

Steele emphasized the issues caregivers face, especially in long-term facilities, have garnered more attention since the pandemic began. He stressed it is most important to ensure workers have the training, wages and benefits they need to do their job successfully and support themselves.

Social Security benefits again could see their highest increase in several decades, but those advocating for beneficiaries say there is still plenty of concern about financial hardships, as well as politics surrounding the program.

The latest forecast indicates 2023 benefits will increase by around 9% when the decision is announced in October.

Jon Bauman, president of Social Security Works's political action committee, said while the higher adjustment helps buffer recent inflation woes, it still might not be enough for many older Americans.

"For older people already in the Social Security system, their cost of living goes up quicker than any other cohorts in the population, simply because health care costs tend to go up faster than other costs," Bauman explained.

His group supports a bill in Congress to boost the Social Security tax cap in order to extend the program's solvency. It also would expand benefits.

Some Republicans, including Wisconsin's Ron Johnson, have floated ideas to cut or eliminate the program. Johnson recently argued he prefers switching Social Security to discretionary spending to allow for greater financial oversight.

Janet Zander, advocacy and public policy coordinator for the Wisconsin Aging Advocacy Network, which is among the opponents of Johnson's approach, argued all it does is create more uncertainty for people who have earned the benefit.

More than 20% of Wisconsin's population currently receives these payments, and Zander said many people in the region cannot lean on other retirement options the way they used to.

"With the disappearance of a lot of our manufacturing jobs and some of the others that had pension plans available, we simply don't see jobs being replaced with ones that had and could keep pensions going in their retirement," Zander asserted.

And while the program faces some funding challenges, Bauman hopes people avoid misinformation being shared amid political debates about what to do with Social Security.

"A lot of people live under the misconception that the Social Security Trust Fund can be raided to pay for other things and the money is never put back. That is not true," Bauman stressed. "The Social Security Trust Funds have a $2.9 trillion surplus right now; they are not going bankrupt. There's all kinds of fearmongering."

Some 35 million people in Wyoming and across the U.S. struggle to put food on the table, and older adults experiencing food insecurity face numerous chronic health risks.

Alexandra Ashbrook - director of root causes and specific populations with the Food Research and Action Center - said generally, older Americans experience less food insecurity.

But she said due to longstanding structural inequities, some are at greater risk than others.

"Older adults who are Black or Latinx or Native American face higher rates of food insecurity," said Ashbrook. "And older adults raising children, so-called 'grandfamilies,' face higher rates of food insecurity."

People living in rural areas and low-income households are also at greater risk of developing chronic illness associated with food insecurity - including diabetes, high blood pressure and heart disease.

Many forgo medical care and medication to pay for food.

Ashbrook said the good news is that there are proven strategies for reducing food insecurity - including SNAP, the program formerly known as food stamps.

Just 48% of older adults eligible for food assistance participate in SNAP, according to the most recent data.

Ashbrook said pride and the stigma associated with food stamps are major barriers. But she pointed out that Americans paid into the program their entire working lives in taxes to ensure that healthy, nutritious food is available in times of need.

"Older adults also may think that if they accept SNAP, that means someone else won't be able to access SNAP," said Ashbrook. "SNAP is actually a program that's available to anyone who meets eligibility. So it's not as if I participate in SNAP, I'm taking someone else's place."

Food insecurity among older adults living alone reached the highest rate in 20 years between 2020 and 2021, a time when fixed incomes were not able to keep up with rising costs.

Those adults were also not able to access the Child Tax Credit or other expanded federal programs.

Ashbrook noted that health care providers, a trusted resources for older adults, are well positioned to help if given proper tools and training.

"Identifying which patients are at risk of food insecurity," said Ashbrook, "and then connecting them to resources like SNAP, home delivered meals and congregate meals - health-care providers can play a role in addressing not only food insecurity but improving health and nutrition."