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TS Radio Network: Tanya TalkS w/Gretchen Hammond & James Treat

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Join us Sunday evening February 10, 2019 at 7:00 CST!

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TS Radio Network: Betrayed By Hospice with Marsha Joiner #2

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Join us February 6, 2019 at 7:00 pm CST

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There’s No Place Like Home…Especially if they can take yours!

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Marti Oakley

 

Medicare Advantage: Only an advantage for those glorious “stakeholders”

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“It isn’t the patients who are bankrupting Medicare….its the service providers on all levels. If the states and insurance companies need to “recapture” their expenses…why not start with those who are gaming the system?”

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According to the US Census Bureau, annual home ownership rates between 1982 and 2017 shows the population of those 65 or older represented just over 80% of all homes owned. This statistic has made the elderly prime targets for estate theft by predatory guardians and attorneys, and now under Medicare Advantage, the state/insurance companies can attack the estate because for some reason they have to be able to recapture the costs of long term care that you financed to begin with.

Now, ask yourself why, after investing in Social Security and Medicare over your lifetime, and….having to pay in most cases exorbitant premiums each and every month once you retire, along with co-pays, deductibles and a host of non-covered services, what you could possibly owe to the state or the insurance company?

But under Medicare Advantage, the combining of Medicare and Medicaid, after you having invested a portion of your earnings over your working lifetime, paid premiums, co-pays, deductibles and paid taxes to support these healthcare programs, these “stakeholders”, the [state/insurance company] must recapture the costs associated with long term care you might have needed, once you pass away.

Now think about this. You worked all your life and invested in Social Security and Medicare. You paid income tax every year which helped pay for medical care for the poor called Medicaid. You bought your home and have been assessed property taxes every year just for doing so, and continue to pay property taxes while you remain there, and long after the mortgage has been paid off. If you hadn’t paid those property taxes they would have already taken your property from you!

Currently, the bills in each state covering this “recapture”, prohibit the state from seizing property if there is a surviving spouse living in or on the property. But once the surviving spouse dies or are themselves put into long term care, the state/insurance company can attack the estate in order to recover those costs. Even if there is joint tenancy or co-ownership of property by those who are not otherwise responsible for, or legally bound to the deceased, the state/insurance company has first rights to the assets. And this recapture takes place before any inheritance can be received by the beneficiaries of the estate. Of course there is no intention of anything to remain for heirs. More

TS Radio Network: Abolishing Probate…With guest Lisa Belanger

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Join us this evening January 30, 2019 at 7:00 pm CST

5:00 pm PST…6:00 pm MST…7:00 pm CST…8:00 pm EST

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TS Radio Network: Abolishing Probate with guest, Claudia Donnelly

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Join us this evening January 7, 2019 at 7:00 pm CST~

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We Say Goodbye to Dorothy Luck: A true advocate for guardianship reforms

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The recent passing of Dorothy Luck, will be sad news for the many people she worked to help free from this human trafficking of the elderly.  Having freed herself from one of these so called guardianships, Dorothy spent the remainder of her time on earth helping to try and reform this insidious system.  She was described by those close to her as “a true advocate and wonderful friend”.

Dorothy traveled many times to the Texas State Capital and worked with many advocates for guardianship reforms.  She never feared those who forced her into this injustice and she accomplished freeing herself from those who used her for her wealth.  Her guardianship was closed and her rights were restored.  She accomplished this by exposing what Guardianship was truly about, money, as it was much better protected than she was, yet many court appointees profited from her wealth.  She tells it like it is in the story below.

http://america.aljazeera.com/watch/shows/america-tonight/2015/5/when-judges-can-take-away-senior-citizens-basic-rights.html

Imagine losing control of the most basic decisions in your life: the right to speak for yourself, how to spend your money or even what medicines you should be taking. Dorothy Luck was in a dispute with family over trust money. After a court-ordered medical exam, she was declared incompetent to make big financial decisions and ended up a ward of the state. In this excerpt from America Tonight, Sheila MacVicar investigates shocking cases of elderly Americans at the mercy of court-appointed guardians.

Thank you Dorothy for all your dedication and efforts on behalf of others.  You will be dearly missed!

ARE FAMILIES RESPONSIBLE FOR 90% OF ALL ELDER ABUSE?

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Marcia Southwick ©  9/19/18
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“The false impression out there blaming families and relatives for 90% of elder abuse means that guardians can protect their own paychecks by maligning families in court, which they often do.   It also means that the public is distracted away from looking at the larger entities abusing the elderly right under our noses.”
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Most people believe that elder abuse is all about Granny surrounded by family predators who just want to grab her money and throw her to the wolves. You’ll hear plenty of rumblings claiming that families and people closest to elders are responsible for 90 % of all elder abuse.
The National Care Planning Council is one of many who quote this figure.  The article is titled “ Perpetrators of Elder Abuse are Usually Family Members:” .  Even AARP claims that “ You’d like to think that elder financial abuse is committed mostly by strangers. You’d be wrong. In reality, it’s more likely to come at the hands of family members and caregivers”

Why does everyone blame families?

The latest 2011 study done by MetLife shows that in terms of dollars stolen from elders, families are not the most likely to steal the most dollars:  After examining three months of national news feeds, plus other data, researchers determined that businesses stole $205,243,400; Family members and friends stole $11,515,737, Strangers stole $7,612,513, and Medicaid/Medicare fraud caused the most damage–$306,105,093.)
NAPSA (National Adult Protective Services Association) is another organization that blames families for most of the elder abuse that takes place today.  Their figure again is 90%. .   Adult Protective Services investigates domestic settings.  Since most of us don’t have lawyers or financial advisors living with us at home, my guess is that these culprits have been left out of the equation.

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