We W Welcome Y You! Thank You, Partners PacificSource St. - - PowerPoint PPT Presentation

We W Welcome Y You!

Thank You, Partners

PacificSource

• St. Charles Health System | Samaritan Health Systems | O4AD | Oregon DHS Aging & People with Disabilities

Adventist Health Tillamook

PeaceHealth | GOBHI | Columbia Memorial Hospital

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health/forum-aging-rural-oregon, and recordings will be posted shortly after the session.

Presents,

Scams & Financial Exploitation Targeting Rural & Frontier Elders

Billie M McNeely-Johns nston, n, Adul Adult P Protective S Services—DHS HS Carmel el P Per erez ez S Snyder, A AARP O Oreg egon, F Fraud W Watch N Net etwork

A Closer Look for Rural Oregon

Detecting and Preventing Financial Exploitation

Projected Growth of Oregon Seniors

Projected growth of Oregon’s senior population from 2012 to 2030 is 175%

Source: The Oregon Office of Economic Analysis

Predicted number of seniors in Oregon

Is There a Wolf at the Door?

A closer look at perpetrators

FINANCIAL EXPLOITATION

Who Reports?

• Anonymous 3%
• Attorney 1%
• Friend/Neighbor 9%
• Health Care 4%
• Home Health 3%
• Hospital 2%
• LEA 7%
• Mental Health 1%
• Physician 1%
• Public Official 1%
• Social Services 6%

Scams

Why Does This Matter?

Retirement Savings Lost: Average US Victim Loses $120,000 Average Retirement Savings at 50 $108,000

6 Signs It’s a Scam

Contact out of the blue Claim of emergency Requests personal information Requires payment in gift cards or wiring “Shhhhh….It’s a secret” If it sounds too good to be true….

It’s An Under- reported Problem

• May be afraid to tell what happened
• Might not understand what

happened

• Might not be able to verbalize what

happened

• Ashamed that a family member

mistreated them

• Don’t think police or social agencies

can really help

Why is it not being reported?

• 34%- dealt with in another way or considered

it a personal matter

• 18%-Not important enough to report
• 16%-Police couldn’t/wouldn’t help
• 13%-Fear of reprisal or getting the victim in

trouble

• 18%-”Other”

(Non-reporting to police in rural areas per Bureau of Justice Statistics)

Vulnerability of theVictim

• Cognitive

Impairment

• Serious or multiple

medical problems

• Substance abuse
• Depressed
• Bereaved
• Lonely
• Isolated
• Overly trusting
• Paranoid/fearful

Similarities to Domestic Violence

• Victim and Perp

have an ongoing relationship

• Perp may groom

the victim

• Perp isolates the

victim and creates dependency

• Perp imposes

his/her will on the victim

• Perp convinces the

victim that he/she is not able to function alone

COVID Specific Scams

Testing Contact tracing Stimulus check overpayment Pet adoption scams False products SSA reboot

Let’s Talk Rural Problems

• Resources!

Resources! Resources!

• Accessibility of

resources

• Inadequacies of

existing health care treatment

• Inadequacies of

support systems for caregivers

• Minorities/ESL

Reporting Issues in Rural Areas

• May be acquainted/known to

law enforcement, healthcare professionals and other reporters

• May think they will not be

taken seriously

• Confidentiality might not be

maintained

• Reputations will be damaged
• They don’t want to make it

worse

Tribal Specific Issue

Judicial authority for crimes of abuse by non- tribal people on tribal lands has been historically limited.

Financial Institutions Lose Too!

HB2622

• Authorizes

financial institutions to refuse certain financial transactions when they reasonably believe financial exploitation of a “vulnerable person” may have

• ccurred, may

have been attempted or is being attempted.

When to Use?

• When a financial institution

reasonably believes or has received information from DHS, LEA, or a District Attorney’s Office

• It must be a reasonable belief
• Financial exploitation of a

vulnerable person

• May have occurred, may have

been attempted, or is being attempted

• AND pending an investigation by a

financial institution, DHS, LEA, or a District Attorney’s Office, a financial institution MAY

Hold………..

• Refuse a transaction with or involving the

vulnerable person

• Refuse to permit the withdrawal or

disbursement of funds in the account

• Prevent a change in ownership of the

account

• Prevent a transfer of funds from the

vulnerable persons account to an account wholly or partially by another

• Refuse to comply with instructions given to

the financial institution by a POA signed or purported to have been signed by the vulnerable person

Consumer Protection/DOJ

AARP Fraud Watch Network

• Sign up for fraud alerts
• Scam Tracking Map: shows scams in your area
• Tips and Resources
• The Perfect Scam Podcast
• Watch Dog Wednesday
• AARP Helpline: 1-877-908-3360
• www.aarp.org/fraudwatchnetwork

AARP Scam Tracking Map

Slam the Scam

• Do not give out your Medicare number
• Social Security benefits are still being paid
• U.S. census will never ask for your full Social

Security number, bank account or credit card information

• Ensure that you have strong passwords
• The IRS will not call you, text you or email you
• Be wary of phone calls, or emails
• Ignore online offers for coronavirus vaccinations

Where to report Elder Abuse?

Reporting Hotline: 1-855-503-SAFE Or DHS Branch Offices:

http://www.oregon.gov/dhs/spwpd/pages/offices.aspx

AARP Fraud Watch Helpline: 1-977-908-3360

Other Resources

• Oregon Bankers Association Toolkit

https://www.oregonbankers.com/preventing-elder-financial-exploitation- toolkit.html

• American Bankers Association (ABA) Safe Banking for Seniors

https://www.aba.com/Engagement/Pages/safe-banking-for-seniors.aspx

• Protecting Seniors: A Resource Guide for Partnering with Law Enforcement

and Adult Protective Services https://www.aba.com/Engagement/Documents/Protecting-Seniors-Partnership- Guide.pdf

• Consumer Financial Protection Bureau Resource’s Guide for Elder

Financial Exploitation Prevention & Response Networks https://files.consumerfinance.gov/f/documents/082016_cfpb_Network_Resourc e_Guide.pdf

• AARP Watch Dog Handbook – Spanish

https://aarpsharex.sharepoint.com/sites/infonet/CSN/e_and_o/Documents/6624 01%20FWN%20Watchdog%20Handbook%20SPA%201-2019.pdf

Contact:

Department of Human Services, Aging and People with Disabilities Phone: 503 689-3869 Billie McNeely, State Financial Exploitation Specialist Email: billie.mcneely@dhsoha.state.or.us AARP Oregon, Fraud Watch Network Phone: 541-525-8123 Carmel Perez Snyder, Director, Outreach & Education Email: csnyder@aarp.org