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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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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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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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TS Radio Network: Whistleblower’s! With guest Caroline Douglas

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Join us this evening September 6, 2019 at 7:00 pm CST!

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TS Radio Network : Abolishing Probate with Teresa Kay-Aba Kennedy

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Join us live September 4, 2018 at 7:00 pm CST!

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The Silver Standard: How Do We Get Protection From The Protectors?

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Finally! News you can use for seniors!

The EARN Project

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” However, first, we must turn our attention to the suffering that must be our principle concern and that is American life, American suffering, American senior citizens suffering and dying at the hands of other Americans – some of them in black robes.”

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The Silver Standard

From the Directors desk

Elder abuse, and involuntary guardianship, can happen to anyone irrespective of financial position. Social Security checks are a prime target of abusers, Trusts and large estates can be an irresistible temptation to some victim’s children, lawyers, bankers, financial advisors, new best friends and caregivers and, all too often, the professional guardianship institutions, the nursing homes they are “friendly” with and sometimes judges who are in on it. Greed comes in all shapes and colors – and yes, even wearing black robes.

The system is set up in a way that presents temptations so great that even some otherwise good people will do bad things.

Guardians are named by the court and then run roughshod through their ward’s life and estate while judges do not hold them accountable.

Guardians go to court and lie to get control of a person and the judge ignores the statements and requests of the family, does not interview the proposed ward, makes no attempt whatsoever to evaluate the situation and the claims of the guardian.

As in a case with which we are familiar, lawyers –  representing professional guardians –  and judges are friends. In this particular case, there are pictures of this, particularly of the two, over and over again, trying to dodge the photographer as they leave a local bar where they frequently lunch together.  Can you guess why that lawyer has never lost a case in front of that judge?

In April, a former NY judge agreed to resign from the bench as he pleaded guilty to federal charges of money laundering and tax crimes and a NY State charge of second-degree grand larceny. All of this could send him to prison for 10 years on the state charges and 20 years on the federal charges.  More

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