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Bankruptcy and The Elderly

Two free webinars slated for the elderly and their representatives by the NCLC – National Consumer Law Center – Consumer Alert for Elder Advocates – Their website is

You can subscribe to the NCLC Elder Advocates E-Newsletter for free.

The first webinar is titled:  Bankruptcy Protections for Older Consumers – August 8, 2017

According to the NCLC:  “An increasing number of older consumers are struggling with unmanageable debt. Debt collectors are using aggressive tactics to pursue older adults with limited resources…”

The free webinar on August 8 outlines the issues facing older consumers and offers strategies to address the challenges. The webinar “ will highlight the various protections available and alternatives to filing for bankruptcy.”

You can register for the free webinar on the NCLC website.

The second webinar titled: Nursing Home Debt Collection is currently scheduled on  September 12.  Further details will be on the NCLC website.

About the webinar: “Nursing home residents and their families struggle to deal with debt arising from nursing home stays. This webinar will focus on efforts to collect this debt, review potential basis for liability, strategies to avoid the creation of unnecessary debt, and tactics to defend lawsuits. “

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Help For Families Coping With Dementia

My inbox received an interesting posting about the Alzheimer’s Foundation of America (AFA) , a non profit organization that supports programs to help families with loved ones suffering from Alzheimer’s or a related dementia.

The AFA awards grants- the stated purpose of the grants is to help families “alleviate the cost or respite care for families caring for loves one with Alzheimer’s disease or a related dementia.”

According to the posting, the grants are awarded to AFA’s nonprofit member organizations. To learn more about the grants, the application process, the work of the AFA and FAQ’s about the grant program – go to the website

The grant funds must be utilized for scholarships for respite services, such as adult day program, in-home aides, companion care or overnight respite.

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Aging In American Conference

For those of you reading my posts, you know I am interested in topics involved aging and the elderly. For that reason, I want to pass on information about the upcoming 2017 Aging in America Conference.

The Conference will be held his this year in Chicago, March 20-24, 2017.

According to the conference website: – (well worth a visit to their website)

“Over 3,000 attendees from across the nation and abroad attend the annual ASA Aging in America Conference to learn, network and participate in the largest multidisciplinary conference covering issues of aging and quality of life for older adults.”

There are volunteer opportunities and if accepted as a volunteer you can attend the conference at a reduced rate.

Some of the event categories include: aging in the community; caregiving; clinical care; lifelong learning and technology. An example of a workshop offering is “Addressing Social Isolation Through Technology”

Many of the offerings give CEU credits.

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Tips For Caregivers and Elder Leave

Our friends at Wiser Women (Womens’ Institute for a Secure Retirement) have offered up another basket of interesting articles.

By the way, Wiser Women is celebrating its 20th Anniversary!  As their website proclaimed: “Together we have helped women across the country access the information, tools and resources they need to achieve greater financial independence, security and dignity in retirement.”

One of the many articles from the website that may interest my readers:  The Real Life Golden Girls Scenario: Over 65 and Working (via Market Watch). According to some statistics – Over 15% of women 65 plus were working in 2015…” – a dramatic increase from prior generations’”

Another article: 7 Money Tips for Caregivers (via WiserPiggy) offers advice to help families who are caring for a loved one.

There is also an article about innovative “elder care leave” programs as part of the more traditional “family leave” programs. According to the article: Deloitte is one of the companies to incorporate elder leave (family leave for those taking care of an aging loved one) as part of its family leave programs.

Will this trend catch on and offer relief to the “sandwich generation”?

You can subscribe to the Wiser Women newsletter. It is free.

Keep in mind that the articles are not only for women! (


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World Elder Abuse Awareness Day

From the WISER website (Women’s Institute for a Secure Retirement)  – World Elder Abuse Awareness Day: June 15, 2016 was announced.

According to their website: “Every year an estimated 5 million, or 1 in 10, older Americans are victims of elder abuse, neglect, or exploitation. Financial exploitation is a fast-growing form of abuse of seniors”.

For more information go to  The site has an excellent page of Financial Elder Abuse Resources and eight briefs dealing with elder financial abuse prevention/exploitation.  Each brief covers a different topic.

In previous articles I have written about financial exploitation of the elderly and other issues facing our elder population.

I invite you to go to my website ( to read a few of these previous articles:

  • Fraud and Aging
  • Another Person’s Money
  • The Scoop on Home Health Agencies
  • Takeaways from the White House Conference on Aging
  • Denver-A Dementia Friendly City
  • Living Past 100


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Take-Aways from the White House Conference on Aging (posted September, 2015)

‘No, we are not talking about the ‘doggie bag take-aways’ from restaurants. This article is about some specific initiatives formulated at the White House Conference on Aging (WHCOA). According to the Conference press release the conference was to deal with “issues facing every American as they plan for retirement, care for older loved ones and improving the quality of life for older Americans.”

I have written often about aging with dignity and the issues surrounding the older population in America, as well as the financial impact upon the family caregivers of the elderly. These issues are very real to many Americans and an important segment of the estate planning process spanning generations.

Read some of my recent blog postings titled: Fraud and Aging (1/15); The Invisible Epidemic (3/15); The Scoop on Home Health Agencies (7/15); Walking The Tightrope (8/15) and Denver-A Dementia Friendly City (9/15) on my website and posted to my Sticks & Mortar blog and on my website.

On July 13, 2015 the White House held their most recent Conference on Aging (WHCOA) and here is a brief synopsis of some of the issues/initiatives of that conference.

A new website was launched: to assist the elderly and their families in gaining easier access to information about the many programs that are available.

The conference also highlighted issues of Elder Justice and the Victims of Crime Act (VOCA) – dealing with elder abuse in its many forms such as financial exploitation, fraud, neglect, stalking and crime

Access to critical nutrition was another priority surrounding issues of the health of the elderly.

The National Institute of Health (NIH) initiated Go4Life an exercise and physical activity campaign for older adults.

For more information about aspects and discussion of the Conference, visit; and

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Denver – A Dementia- Friendly City

Until an article landed in my inbox, I was not aware that my city of Denver, Colorado was striving to be a “dementia friendly” city. Read on to find out more about the significance of the ‘dementia friendly” city initiative, which can be of major help to those suffering from dementia and to their caregiver partners.

In Colorado…According to AARP Colorado (Press Release. 07.14.2015): “In a groundbreaking national effort, Denver is heeding that call and today announced that it will become “dementia friendly.” A dementia friendly community is defined as one that is informed, safe and respectful of individuals with dementia and their families, provides supportive options, and fosters quality of life…The announcement was made today at the White House Conference on Aging.“

The effort has also been spearheaded in Minnesota and according to the Daily Union (Wisconsin) news article (September 12, 2015) Watertown (AP) – “The hope in Watertown is to have as many businesses as possible learn more about how to better serve people whose decline in memory or other thinking skills is affecting their everyday activities.”

According to the article, Here are some ways in which the city of Watertown is working towards the goal of being a ‘dementia friendly’ community:

Training sessions are tailored for specific professions. Lawyers and estate planners are asked to break up explanations into shorter, more digestible ones.

“Coffee shop baristas are advised to ask yes or no questions rather than rattling off menu options. Bank tellers are instructed on how to not get impatient when customers get confused while counting their money.”

According to the article, efforts toward the dementia-friendly initiative began in 2009-

“Minnesota’s dementia friendly effort started as part of a 2009 legislative mandate to generate ideas to address the problem.”

Like Denver- Tempe, Arizona is making the commitment to becoming dementia friendly. The initiative has even spread to Europe and the U.K., Scotland and Ireland have embraced the concepts (of becoming dementia friendly).

For more information you can go to There is an excellent video explaining the goals of Dementia Friendly American (DFA).

According to their website:

“The Dementia Friendly America initiative, a multi-sector, national collaborative, is on a mission to foster communities that are equipped to support people with dementia and their family and friend caregivers by becoming “dementia friendly.”

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Walking The Tightrope

If you are a caregiver or family member of someone with a diminished level of capacity and capability you understand the feeling of walking a ‘tightrope’. The daily challenges are enormous and it is a balancing act that you perform every day. You balance your caregiving responsibilities with other life events and family issues. You balance financial necessities. As a family member, it is often a balancing act to determine how much help to offer and how. It is also a question of how to access the services that you need and to secure the “safety net” in case something happens to you – the caregiver. As a family caregiver your instinct is to protect the loved one from harm, from indignities and from those who might take advantage of them.

Our friends at the National Consumer Law Center are offering a free webinar titled: The Fine Art of Balancing Protection with Self Determination. The webinar is on Sept. 22, 2015 at 2PM (EST)

You must register with NCLC for the free webinar.

Log onto their website and if you have questions you can send an email to them at

According to the webinar information: “This session will talk about recognizing the signs and signals of abuse, neglect (self-neglect) and exploitation, tools to maximize communication with persons with differing abilities, and promoting self-determination and choice through supported approaches that mitigate against risk and empower individuals…”

Presenters will be David Godfrey (Senior Attorney, American Bar Association Commission on Law and Aging) and Jonathan Martinis (Legal Director, Quality Trust for Individuals with Disabilities)

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