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All Judges are Considerate, Measured, Conscientious, and Fair.....Well... Almost All

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*This is a Nation that has acknowledged it has a problem with elder abuse
*This is a Nation that has acknowledged the court system is not working where guardianship is concerned
*This is a Nation “For the People and By the People”


10,000 Baby Boomers turn 65 each day and this will continue for many years to come. A good number of those Boomers will find themselves the subject of an application for guardianship. Many will need it and receive loving help while others are headed straight to hell. It is judges who sit between the seniors and their fate. Those seniors have a right to expect that the Judges will have thoroughly familiarized themselves with their cases and will make a decision based on an effort to do everything within reason to accommodate the desires of the seniors concerning their living circumstances, their finances, freedom of movement and association.

JUDICIAL ABSOLUTE IMMUNITY came into being in 1871 when Section 1983 was adopted, and our modern Supreme Court has upheld this rule even though history shows that even in 1871 only a minority of courts provided absolute immunity because it is not a good idea.

In making this decision, our modern court looked at functional considerations, such as how often an office holder was sued for money damages and how much these suits interfered with the function of the office. The Supreme Court exists to support the intentions of the Constitution; concerns of an overburdened court system should have played no part in their deliberation. Do we send a murderer straight to prison because 10 people saw him pull the trigger, there is no doubt that he is the murderer, and a trial will simply clutter up our already overburdened system?

Life, Liberty and the Pursuit of Happiness should never be the price we pay for a well-oiled court system. Human suffering should never be the price we pay for anything.

Full Article and Source:
The Silver Standard News: All Judges are Considerate, Measured, Conscientious, and Fair....Well... Almost All

 See Also:
The EARN Project

The Unforgivable Truth


Bloomington nurse accused of abusing, stealing from elderly woman

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BLOOMINGTON — A licensed practical nurse working as a private caregiver is charged with criminal neglect of an elderly woman who died after her health and life were endangered by the suspect, according to McLean County prosecutors.

Shameka M. Curry, 37, of Prenzler Drive, Bloomington, is accused of failing to provide the woman with adequate care, including taking her to medical appointments, and to provide adequate nutrition.

The alleged neglect occurred between Nov. 1, 2016 and March 12, 2017, according to the charges. The woman died in May 2017.

Curry also is charged with theft of more than $10,000 from the Illinois Department of Rehabilitation, aggravated identity theft and financial exploitation of an elderly person by fraudulently obtaining $350 from the woman, said prosecutors.

Information on a financial statement filed in court by Curry indicates she is a licensed practical nurse.

Curry was released from jail after posting $15,035 on the felony charges that carry up to 14 years in prison if she is convicted.

Full Article & Source: 
Bloomington nurse accused of abusing, stealing from elderly woman

Woman pleads guilty to neglecting mother, stealing $71,000

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A Charleston woman on Tuesday admitted in circuit court to neglecting her mother suffering from dementia.

Amanda Reavis, 37, pleaded guilty to felony neglecting an incapacitated adult causing serious bodily injury and felony financially exploiting an incapacitated adult before Kanawha Circuit Judge Jennifer Bailey.

Reavis admitted she was power of attorney for her mother Tammy Reavis, who retired from her job as a delivery room nurse after she was diagnosed with early onset dementia.

Tammy Reavis wasn’t able to feed herself, move or care for her daily physical needs, leaving her totally dependent on her daughter, Kanawha Prosecuting Attorney Chuck Miller said in a news release.

Amanda Reavis would abandon her mother for days at a time, and she spent $71,000 from her mother’s retirement savings and monthly income for her own personal purpose.

Amanda Reavis faces a total of between five and 35 years in prison and up to $15,000 in fines when she is sentenced on Sept. 19.

Per the terms of a plea deal, Kanawha Assistant Prosecuting Attorney Rob Schulenberg has recommended a sentence of between 15 and 35 years of home confinement and a $5,000 fine.

Reavis is incarcerated at South Central Regional Jail.

Full Article & Source:
Woman pleads guilty to neglecting mother, stealing $71,000

Protect yourself, family by creating an incapacity plan that works

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Debra A. DeLeers
For many people, the thought of planning for their incapacity can be uncomfortable. The idea that you might lose your mental faculties, rendering you unable to make informed decisions about your finances and well-being, is not pleasant, but ignoring that possibility does not make it go away. 

Incapacity could be brought on by a car accident, illness or old age. Making a plan for your potential incapacity gives you the opportunity to think about what is most important to you and how you can best protect yourself and your loved ones should you ever experience a critically disabling event.
     
A proper incapacity plan often will contain estate planning tools and financial solutions.  Estate planning encompasses far more than simply making sure that your last will and testament is complete; it is about planning for life. 

As you begin to think about your incapacity plan, you should consider having the following safeguards in place:
  • Durable power of attorney. A durable power of attorney for finances is a legal document that allows you to appoint an individual to assist you with all of your day-to-day financial matters if, due to illness or injury, you are unable to handle those matters.  Generally speaking, your agent will be able to assist with paying your bills, managing your bank accounts and/or investments, filing your taxes, managing any real estate that you own, and applying for or adjusting any government or retirement benefits that you are eligible for. If you become incapacitated and you do not have a durable power of attorney, your loved ones will have to obtain a legal guardianship over your estate to perform the tasks outlined above. 
  •  
  • Health care power of attorney. A health care power of attorney is a legal document that allows you to appoint an individual to make health care and/or end of life decisions on your behalf if, due to illness or injury, you are unable to make those decisions. Your health care power of attorney typically becomes activated when two physicians determine that you are incapacitated. Generally speaking, your health care agent will have broad authority to help direct your health care by scheduling appointments, seeking second opinions and determining what treatments to obtain, based on their discussions with your physicians. You also have an opportunity to express your specific wishes with regard to end of life care and life-sustaining treatment or procedures. If you become incapacitated and you do not have a health care power of attorney, your loved ones will need to obtain a legal guardianship over your person to make medical and health care decisions on your behalf. 
  •  
  • Long-term care coverage.  Long-term care refers to a broad range of services that you may need to utilize as a result of a chronic illness or disability. It often encompasses medical services, therapies and supportive services, such as providing assistance with bathing, dressing, medication distribution and meal prep.  The longer a person lives, the more likely it is that he or she will need some kind of long-term care, whether that care is administered in your home or in a skilled nursing facility.
There are several ways to pay for long-term care, one of which is purchasing a long-term care insurance policy that would cover your home care or nursing home expenses in the event you needed to obtain long-term care services. Long-term care insurance policies do go through an underwriting process, and the premium is often dependent on your age and health status. It may be advantageous to begin exploring this option well before you anticipate a need for long-term care because you may be able to lock in at a lower premium.

If you purchase a long-term care insurance policy that qualifies for Wisconsin’s Long-Term Care Partnership Program status, you also may be able to protect some or all of your assets and still qualify for Medicaid in the event your long-term care needs extend beyond the period covered by your qualified long-term care insurance policy. 

Another way to cover long-term care expenses is by purchasing a life insurance policy that has a long-term care rider attached to it. The amount of long-term care coverage under these policies is directly tied to the amount of life insurance in force.  As a result, the death benefit of the life insurance policy will be reduced by any loans or withdrawals taken out to cover long-term care expense. 

If you have not purchased private long-term care coverage and you need to obtain long-term care services, then you may apply for Medicaid benefits, which will pay for most health care costs, including nursing home and community-based care for eligible recipients. To become eligible for Medicaid, you must be a Wisconsin resident and your income and assets must be below the monthly program limit. Generally speaking, you must have very limited income and assets before you will become eligible for Medicaid.  This often results in the need to “spend down” your assets. If faced with this situation, it may be beneficial to consult with an elder law attorney or a Medicaid benefit specialist to ensure that you are spending down your assets in an appropriate fashion. Certain financial transactions may trigger a penalty and render you ineligible for Medicaid benefits for a period of time.    

Planning for one’s incapacity is becoming increasingly important given that our life expectancies, together with the cost of care, continue to rise. Putting your wishes in writing and ensuring that there are appropriate funds available for your care can help to provide peace of mind for both you and your loved ones. Consider discussing these options with your legal and/or financial advisers to better understand what solutions may be appropriate for your unique situation. 

Debra A. DeLeers is a financial adviser with Northright Financial, LLC and can be reached by email at ddeleers@northrightfinancial.com or by phone at 920-712-7800.

Full Article & Source:
Protect yourself, family by creating an incapacity plan that works

Parents Lose Custody of Disabled Adult Son for Questioning Psych Drugs

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Ian Bankert at his high school graduation.
Commentary by Terri LaPoint
Health Impact News

Medical kidnapping can happen to adults as well as children. Health Impact News has reported a number of adult kidnapping stories over the years.

Some involve senior citizens. Others, like this one reported by ABC News in Raleigh, North Carolina, involve the seizure of adult children with mental illness or disability from their parents who have loved, raised, and cared for their children their entire lives.

Doctors (mostly psychiatrists) and courts have the power to step in and take over the entire lives of such individuals, isolating them from their families and ultimately deciding every aspect of their care.
Reporter Jonah Kaplan writes:
This may be the most painful symptom of mental illness and its impact on North Carolina families.
NC I Team guardians photo
The investigative team from ABC11, the I-team, found that more than 5,000 adults in North Carolina are under state guardianship care. Most of these adults have mental or developmental disabilities or have mental illness.

The cost to taxpayers is staggering. ABC11 found that the North Carolina Department of Health and Human Services (DHHS) reports that the state pays an average of $1,200 per person, per day, for each of the patients under public guardianship care.

Doctors Override Parental Decisions, Lock Up Their Son


David Bankert and Joanne Luterman are the parents of 24-year-old, Ian Bankert. They told reporters that their son was very athletic in school, on the swim team and track team. He was well-liked and did well academically. His parents noticed signs of his descent into mental illness during his high school years.

Ian graduated, then spent the next few years going in and out of the hospital. He was diagnosed with schizophrenia.

His parents became concerned about the doctors “overprescribing him with medication,” a concern which is shared by many parents and patients, and watchdog groups.

Doctors recommended “more medication and long-term care,” but his parents, according to ABC11, “instead insisted that a good diet, exercise and faith could restore Ian’s sense of self.”

More than that, according to a funding page set up by the parents,David Bankert and Joanne Luterman want:
to try to help our son get out of the state operated mental health system and get him on the road to recovery by way of a private doctor and team.
They are also “seeking out all other forms of help for him.” (See link.)
Dr. Stephen Ford and psychiatrist Dr. Gary B Pohl did not agree with the parents. Instead, Dr. Ford petitioned the court to take Ian away from the care of his parents.
“We were shocked and blown away,” Luterman told ABC11. “We want Ian to have some joy, to come home, lead a life with his family and have some sense of normalcy.”
Instead, their son is locked away long-term in Central Regional Hospital in Butner, North Carolina. His parents have to get permission from the guardians to visit their son.

Ian locked away in hospital NC I Team photo
Ian is locked away in a psychiatric hospital, long-term, against his familys wishes. Photo source.

According to the website for Central Regional Hospital:
Central Regional Hospital (CRH) is one of three State psychiatric hospitals in North Carolina. It is operated by the Division of State-Operated Healthcare Facilities (DSOHF) within the North Carolina Department of Health & Human Services.
It is also a “psychiatry residency training site.”

Ian’s story is another in a long list of cases where the financial and academic interests of one group – psychiatrists and public guardians – are pitted against the civil rights and familial interests of individuals and their families.

The long arm of the state again overrides the decisions of parents who know and love their son and want what is best for him. They do not believe that locking him away from his life and loved ones and drugging him are the answer. The state does.

Ian parents NC I Team photo
Ian Bankert’s parents spoke with ABC11’s I-Team about the medical kidnapping of their son. Photo source.

Parents’ Concerns over “Overmedicalization” Well-Founded


In 2016 Health Impact News published an article by Gary G. Kohls, M.D., a doctor whose words stand in stark contrast to those of the psychiatrists who have robbed Ian Bankert of his freedom and his family.
Psychiatrists have long admitted that none of their drugs ever cure anything or anyone. They also admit that there are no medical, laboratory, radiological or biopsy tests to confirm that any given psychiatric diagnosis is an actual medical condition.
There are, however, thousands of lab, radiology and biopsy tests that confirm the existence of the long-term neurotoxic effects of the multitude of synthetic psychoactive drugs that continue to be given out in combinations that have never been adequately tested for efficacy or safety – even in the animal labs.
Therefore what the courts have erroneously criminalized as parental neglect must be re-assessed by the legal system. The parent that refuses potentially hazardous psychiatric drugs for their child because they happen to know more about the drug’s dangers than their prescriber, should be supported rather than punished by the courts.  And lawyers and judges interested in understanding the nature of the best neuroscience need to be increasingly mistrustful of psychiatrist “experts” who frequently have serious conflicts of interest when it comes to maintaining the prestige and/or economics of the big business of pharmaceuticals, medicine and psychiatry.
There have been more than 200 international drug regulatory agency warnings about the fact that psychiatric drugs can cause dangerous and potentially life-threatening effects (check them out here). When I was in medical practice, I was totally unaware of the existence of these warnings, so I suspect that most over-worked physicians and psychiatrists today are equally unaware. Undoubtedly, lawyers and judges are in the same boat.
See:

Does Prescribing Anti-psychotic Drugs to Infants, Toddlers and Young Children Meet the Definition of Reckless Endangerment?


Doctors do not agree even among themselves in regards to many medical conditions that are more easily quantified than psychological disorders. The philosophy of conventional medicine has challengers among many different fields, such as homeopathy, chiropractic, faith healing, Eastern medicine, herbal medicine, nutritional healing, and countless other health modalities.

Health Impact News has published hundreds of articles chronicling the stories of people who have suffered abuse at the hands of psychiatrists and other doctors with whom they or their parents disagree. See here and here.

The advocacy group, Citizens Commission on Human Rights, has reported that professional psychiatrists are among the top white collar criminal groups in the United States, committing 40% of all Healthcare Fraud, and incarcerating over 700,00 people against their will every year.

6 to 10 percent of psychiatrists and psychologists sexually abuse their patients, including children as young as three, and the sexual crimes committed by psychiatrists are estimated at 37 times greater than rapes occurring in the general community, according to one U.S. law firm. (Source.)  (Continue)

Full Article & Source:
Parents Lose Custody of Disabled Adult Son for Questioning Psych Drugs

Pennsylvania judges eat well on taxpayer’s dime, can shield expense details from the public

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When 11 Commonwealth Court judges went out to dinner in Harrisburg in March 2016, their meal included pear pizzas, two trout entrees and more than $80 worth of scallops, among other dishes.

Pennsylvania taxpayers picked up the $403 tab.

That much is known from state records.

And that’s about all that is known from state records.

The restaurant’s location and other seemingly mundane details about the dinner were redacted on more than 1,900 pages of receipts and expense reports — hidden from public inspection as a matter of routine, the court says, for “security” reasons.

Experts say big spending on meals and luxuries isn’t the worst of it. It’s the secrecy.

The big unanswered questions, critics say: Who’s dining with the judges? Who has their ear?

“It’s our money,” said Steve Davis, the former chair of Syracuse University’s journalism department and a former newspaper editor in Pennsylvania. “It’s like you put your money in the bank and the bank says, ‘I know it’s your money, but I’ll only tell you so much.’ ”

Price versus value


Senior Judge Jim Colins, though, thinks the redactions are “essential” to a judge’s safety.

“My services are damn cheap for the taxpayer for the amount of work that I produce and the degree of responsibility,” said Colins, who charges the state $600 per month for a leased car. As for taxpayer-funded meals, Colins said: “I don’t eat at McDonald’s anymore, nor do I think I should.”

As part of an ongoing review of transparency practices among Pennsylvania appellate court judges, The Caucus reviewed more than 1,900 pages of records for expenses they incurred from December 2015 through February 2018.

The review found that Commonwealth Court judges spent more than $141,000 of taxpayer money on lodging, meals and valet parking during that time — with thousands of redactions throughout. About a dozen pages were redacted almost entirely, save for a few words.

Despite the redactions, The Caucus was able to identify the restaurant where the 11 judges and one staff member grabbed dinner in March 2016 as The Millworks, an American-style restaurant that offers a unique menu.

Still, it’s routine for court administrators to remove the names of attendees, who include staffers and others, to be redacted and concealed from the public eye.

This is standard procedure for judges, who are exempt from the state’s Right-to-Know Law. The practice allows judges to spend taxpayer funds on a $46 “Piedmontese Tenderloin,” like Judge Michael Wojcik did in May 2016, without disclosing his dining partners or location.

For the dinner, Wojcik expensed $107, including the tip.

‘Judiciary duties’


Each time judges submit expense reports, they sign off on the fact that the costs are “correct, reasonable and incurred in the performance of judiciary duties.”

The definition of “judiciary duties,” though, is broad.

Court spokeswoman Stacey Witalec said the duties “encompass any activity that is proper for a judge to perform, whether adjudicatory, administrative, educational or ceremonial in nature.”

The expenses include more than just meals. Much of the $141,000 spending total is filled with hotel stays. These trips are a key part of a Commonwealth Court judge’s role. The judges travel across the state for conferences, trainings and court sessions.

There is no cap on how much judges can spend while out to eat.

Car leases max out at $600 per month, Witalec said.

Commonwealth Court Judge Kevin Brobson spent more than $400 on valet parking and valet tips over the course of a little more than two years.

Roughly half of the more than a dozen current, retired and senior Commonwealth Court judges whose expenses this newspaper reviewed had similar valet spending habits, while the other half preferred less expensive self-parking options that typically cost $10 a night.

In addition, judges are able to lease vehicles of their choice. The leases cost the state between $250 and $600 per month.

Because of a Philadelphia leasing tax and other fees, Colins said the cost of his Chevrolet with all-wheel drive is “the best I can do.” Without these fees, he said the monthly lease rounds out to about $520 per month.

He uses this car to drive from Philadelphia, where his court is based, to court sessions across the state. He once used the car to transport legal briefs, too, but they’ve all since been digitized.

During a brief stint off the bench, Colins said, he earned more than $330,000 a year as a private attorney. He added that he “very seldom” submits itemized receipts, noting that he does not charge the state more than $35 per meal. He frequently spends more than that and pays out of pocket.

“I’m big,” he said. “I weigh 225 pounds. I’m over 6 foot. I don’t fit into compact cars, and, quite frankly, it takes a lot of food to fill me up.”

‘Taxpayers are not a doormat’


Still, scholars and activists believe judges should be conscious of how much taxpayer funds they’re spending.

“Judges have to learn how to tighten their belts and live within their means,” said Gene Stilp, a longtime Pennsylvania judicial critic. “Taxpayers are not a doormat for the judges. Judicial expenses have to be kept in line.”

Robert Strauss, a professor of economics and public policy at Carnegie Mellon University, said the public’s concern should be placed on how much judges are spending, not on where they’re going to eat.

“The public needs to know how much is spent and whether they’re having $20 meals or $200 meals,” Strauss said, noting he believes judges are underpaid compared with the private sector.

Taxpayer-paid perks such as leased vehicles help bridge the gap between judicial salaries and what they would make at a law firm, Strauss added.

“Listen, judges think they’re special,” Strauss said. “They probably deserve special treatment. What’s going on is they get a little bit of latitude.”

The Caucus review found judges expense even the smallest things. Judge Renee Cohn Jubelirer, for example, expensed $1.06 for “lunch” in April 2017. Judge Rochelle Friedman submitted an expense request for $2 in May 2016 for two doughnuts at a Dunkin’ Donuts in Philadelphia.

On the other side of the spectrum, Senior Judge Bonnie Brigance Leadbetter enjoyed a $13 alligator appetizer at an undisclosed restaurant in Pittsburgh in mid-November 2016, records show. The Caucus determined the location to be NOLA, a Creole restaurant, because it shares the same menu items and ZIP code as the orders of the judge and her guests.

The receipt totals more than $100 and doesn’t state with whom Leadbetter was sharing her fried green tomatoes and alligator platter. It does show, though, that she split the bill and paid $47 toward it.

Safety or secrecy?


Throughout his 35-year career as a judge, Colins said he’s had his life threatened several times.

The former president judge of the Commonwealth Court said he has received many letters with overt threats to his physical safety.

“From those (expense) reports, you can find out where I’m staying or where I will probably eat if I’m in Harrisburg or Pittsburgh,” Colins said. “I don’t want anyone to be able to follow me and surprise me. ... I don’t have a security guard; I don’t travel with a security person. Judges are prime targets.”

But Davis disagrees on the need for secrecy.

Hiding any details from the public is “bulls- - -,” Davis said.

It would never be tolerated with everyday citizens, Davis said.

Using security as a reason to redact information is “so obviously baloney,” said Davis, a former USA Today World Page editor. “It hardly even needs to be argued. In Florida, damn near everything is open, and the state hasn’t fallen into the ocean. It makes no sense.”

Many states also handle their judiciary outside of its Right-to-Know Law, but Pennsylvania’s redactions for safety are “distinct” from other states, said Noel Isama, a senior policy analyst at the Sunlight Foundation.

Florida is the gold standard for open records, with almost all government documents made available to the public. Florida’s judiciary is not subject to that state’s open-records law, but it shares most of the same language, said Craig Waters, a spokesman for the state’s Supreme Court.

Waters added that Florida redacts only sensitive personal information such a judge’s Social Security number. He laughed at Pennsylvania’s redaction of restaurant names.

If a judge does not stay at a hotel routinely, then that information should be available “as reasonably as possible,” Isama said.

Many of the itemized receipts obtained by The Caucus show one-time visits to restaurants, which Isama said is concerning.

“Would the name of the hotel be redacted 10 years from now, even if that judge is retired?” he questioned. “Judges do face physical violence. ... It’s important to protect judges and their privacy in that sense. With that being said ... there should be transparency about how they spend taxpayer money.”

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Pennsylvania judges eat well on taxpayer’s dime, can shield expense details from the public

Longview sisters suspected of stealing more than $600,000 from their mother, charged with theft

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Two Longview women are facing charges of defrauding their 88-year-old mother of over $600,000.

The charges of theft, forgery and money laundering cover a period from May through October 2017, when Patricia Matherson, 66, and Kathryn Hemenway, 70, allegedly persuaded their mother, Theresa Reed, 88, to sign over finances to them with no legal authority and acted against Reed’s interests. The two women were arrested on July 27, 2018.

Hemenway faces individual charges of first and second degree theft and four charges of money laundering. Matherson faces three counts of first-degree theft, two counts of second-degree theft, eight counts of forgery, five counts of money laundering, and a single charge of third-degree theft.

While police have identified $639,570 that the sisters stole from Reed, Cowlitz County Prosecutor Ryan Jurvakainen said he had not yet confirmed the ultimate amount the sisters are accused of stealing.

“You’re looking at a situation with a lot of documentation and transactions,” Jurvakainen said. “Any time there’s a financial fraud investigation like this, the investigations are voluminous and take a lot of time and effort on the part of law enforcement.”

The first charge of theft dates back to a $3,000 transfer from Reed’s bank account to Hemenway on May 23, 2017. Matherson’s power of attorney for her mother was removed the next day, but suspicious transfers of money and checks from Reed’s bank account continued for about a month.

The allegedly fraudulent transfers range from a $37.63 check to pay a CenturyLink bill to a $160,000 transfer to a joint account between Reed and Matherson that the sisters allegedly used to launder the ill-gotten funds.

When confronted by their mother’s court-appointed guardian in Superior Court, about $300,000 was returned to Reed’s accounts, according to arresting documents. But police and court investigations found more accounts which “were not disclosed to the courts, and it appears there was significant effort to conceal these funds in Patricia and Katheryn’s (sic) names.”

In the joint account between Matherson and Reed, nearly $640,000 was withdrawn by Matherson and shuffled between other accounts belonging to Hemenway and Matherson over a period of several months.

That money came from financial accounts and inheritance checks from relatives that were meant for Reed, according to police documents.

The replacement court-appointed guardian sought a financial (but not no-contact) restraining order for Reed against Matherson in June 2017. In May 2018, she sought a similar order against Hemenway.

“The guardian believes Patricia’s and Kathryn’s visits are, for the most part, beneficial… ,” an attorney representing the guardian wrote. “However, current circumstances require the court’s attention.”

The guardian alleged that the daughters briefly removed their mother without warning from her assisted living home, showed hostility toward staff there, and “engaged in behavior which merely increased their mother’s anxiety and agitation.”

Reed was “not cognitively able to understand” the situation, the guardian wrote. The guardian came to Longview police in April this year to report the thefts criminally.

Full Article & Source: 
Longview sisters suspected of stealing more than $600,000 from their mother, charged with theft

Florida retirees should be alert to guardianship abuse | Opinion

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Victoria Pearce
Florida is a state known for being a retiree’s ultimate dream destination. The tropical weather, white sandy beaches, and no state income tax — what more could one ask for? 

On their list of necessities, most residents probably don’t have a legal guardianship at the top. But they would be wise to do so. A guardian, at the most basic level, is defined as a defender, protector or a keeper. A guardian is, in essence, someone to oversee and support another person, known as a ward, who may not be able to do so on their own. Florida monitors and oversees 30,000 to 40,000 open guardianships at any given time.

Florida’s system allows for a professional guardian to be appointed to assist in meeting “essential requirements” for physical health and safety of a ward. The responsibilities of a guardian range from monitoring the ward’s financial resources to ensuring that the ward is receiving adequate food and shelter and maintaining good personal hygiene.

A mere overview of the system’s design and purpose make the system seem beneficial to all of those involved. But that is just the tip of the guardianship iceberg. A look below the surface, however, reveals a system both flawed and potentially harmful to those it was designed to help.

Under Florida law, a guardian or an attorney who has rendered services to a ward (previously the alleged incapacitated person) is entitled to a reasonable fee for services. These “reasonable fees” are to be paid from ward’s assets. These fees range from $50 to $95 per hour for a guardian, and can be up to $500 per hour for an attorney. With numerous hands on deck, along with the passions that come with these sorts of proceedings, the costs build quickly and continue to rise.

Every day cases arise in which the ward no longer wishes to be under guardianship or in which the ward and the guardian aren’t seeing eye to eye on issues. What happens when fees begin to accumulate for the guardian and attorney in these circumstances?

Florida law allows a guardian or an attorney to receive fees from the ward’s assets even for going against the ward’s own desires (i.e., fighting against the termination of a guardianship). So long as the guardian or attorney justifies the fees as acting in the best interests of the ward, he fees can be taken from the ward’s assets.

Ultimately, the system has created a business for professional guardians and associated attorneys. Instead of protecting the interests of a ward, Florida law allows for a cash cow to exist at the expense of those truly in need.

At this point, further guidance and oversight is needed to ensure that those who find themselves in need aren’t taken advantage of and don’t fall victim to abuses of this large and ever-growing business in Florida.

Victoria Pearce is a graduate of FSU Law and current attorney with Bleakley Bavol & Denman. Reach her at vpearce@bleakleybavol.com.  

Full Article & Source:
Florida retirees should be alert to guardianship abuse | Opinion

Woman who cares for elderly finds out her mother was being financially abused

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Elderly people in New York — and the state as a whole — are being taken for at least $1.5 billion each year because of financial exploitation, according to calculations from the Office of Children and Family Services.

The figure includes amounts that seniors lose from their accounts and what it costs the state to cover Medicaid expenses earlier than otherwise expected.

As a way to protect vulnerable older adults, New York is expanding a team approach to investigating claims of financial and other forms of abuse.

By the fall of 2020, every county will have access to an enhanced multidisciplinary team, made up of professionals from adult protective services, agencies that help older people, law enforcement and criminal justice, health care and financial services. Team members will coordinate investigations and come up with ways to stop or prevent elder abuse. Teams also will have a forensic accountant who can follow a money trail.

New York is calling the enhanced multidisciplinary teams initiative the first in the nation, and it is funded by $8.4 million in federal and state money. The initiative was announced last week by Gov. Andrew Cuomo.

Each county will either have a team in its jurisdiction or share one from a hub. Lifespan of Greater Rochester, the state Office for the Aging and the New York City Elder Abuse Center are collaborating on the initiative.

“It’s going to get people to hopefully call in and we’ll have more cases that are investigated, whether it goes criminal or not,” said Art Mason, director of the Upstate Elder Abuse Center at Lifespan. “More victims are going to be identified, and these cases will be more thoroughly investigated because of all the people in the room.”

Monroe County has had such a team since for the past four years. Last year, it reviewed about 20 percent of the 150 financial exploitation cases handled by Lifespan.

Sprinkling hints of abuse


But a number of seniors are reluctant to acknowledge the abuse.

“They’re embarrassed; they’re afraid,” said Debra Kostiw, president of Home Helpers of Rochester, which provides light housekeeping and other nonmedical services to seniors.

“The person that’s being abused is going to give subtle hints that there’s something going on,” she said. “It’s really important that the average person, the neighbor, the mailman, the hairdresser, the bank teller listen for these sprinkles.”

Kostiw said she didn’t find out until her mother died in March — a few days before her mother was slated to come back home to Monroe County — that the woman was allegedly being financially and physically abused by her son and daughter-in-law.

Eleanor McGarigle had gone with her son to his home in Michigan a couple of years ago. But the friends she’d made over a lifetime in Fairport kept in touch. At her funeral, several of them came up Kostiw and shared snippets of their conversations.

One recounted that McGarigle said her daughter-in-law attacked her. Did Kostiw know, the woman asked.

Another said she called only during the day, when she knew no one else was home and McGarigle was free to talk.

“ ‘What do you mean, do I know?’” Kostiw said she replied. “I was like, 'Come on, this can’t be happening.' … I own a home care business and this happened to my own mother. If I can miss it, anybody can miss it.”

McGarigle was killed when the car driven by her son crashed, said Kostiw, who is using her business to raise awareness among professionals and others in the community about signs of potential abuse.

Most abuse not reported


Even though the situation with Kostiw’s mother happened in Michigan, it’s likely similar scenarios are playing out in Finger Lakes counties and could be referred to the multidisciplinary teams.

According to a state-funded study published in 2011, for every reported case of abuse, 23 others were not.

“The numbers are going up,” said Jennifer Meagher, owner of Senior Life LLC, geriatric care management nurses. “Families are going to be more and more responsible. We hear an awful lot of talk about let’s let elders age in place. These are some of the situations that can happen.”

Lifespan’s Mason said the multidisciplinary team will respond to suspected abuse happening to an elder living in the community, not in a facility. The success, though, depends on someone’s willingness to call their county’s adult protective services.

Mason said that once a call is received, a case worker will start to gather information, including interviews with the person reporting, the victim if that’s possible, and financial planners or other people who are relevant to the situation. The information will be brought to the team, which will come up with a plan for investigating the allegations.

“Some people don’t want help,” Mason said. “They say, ‘I don’t care, it’s my grandson, I realize I’ll lose my house and won’t have any money, but he’s the only family I’ve got. … I don’t want your help.’ And there’s nothing we can do about it.”

PSINGER@Gannett.com

To report elder abuse


Residents in Monroe, Wayne, Ontario, Livingston, Genesee, Orleans, Seneca, Cayuga and Yates counties can call Lifespan at (585) 244-8400.

Or call your county’s adult protective services, which is part of its social services department. In Monroe County, call (585) 753-6532 from 9 a.m. to 5 p.m. weekdays, and (585) 461-5698 for after-hours emergencies.

Full Article & Source:
Woman who cares for elderly finds out her mother was being financially abused

New Law Protecting Against Senior Financial Exploitation Goes Into Effect

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Financial advisers now have more power to stop scammers from targeting senior citizens. The Safe Seniors Financial Protection Act went into effect Aug. 1.

It creates a stronger partnership between those advisers and the Minnesota Commerce Department.

"Telephone and email scams are growing, every day there's more and more of them," said Mary McDougall, a wealth management adviser and senior vice president for Merrill Lynch.

McDougall sees firsthand how frequently seniors are taken advantage of by both strangers and relatives.

"My guess is one out of four of my clients has had some kind of request from their children," she said.

The requests can amount to tens of thousands of dollars.

"I may be able to say that might not be a good idea and if they insist on it then this law will allow me to help them by asking the state to investigate," said McDougall.

The new law gives broker-dealers and investment advisers the power to report to the Department of Commerce when they see someone trying to financially exploit the elderly or vulnerable adults.

They can also freeze transactions on the account for up to 15 days while investigators look into it. If they need more time, investigators can request the transaction delay continue for another 10 days.

"That’s a great backstop and I’m glad it's there," said McDougall.

She told 5 EYEWITNESS NEWS that one of the biggest ways seniors can protect themselves is talking to people, whether it's tax, financial or legal advisers, or getting advice from neighbors and other family members.

"Being able just to talk about it before it happens is a great thing to establish as a norm," she said. "I think would help stop a lot of things."

McDougall believes this law will help with those conversations. It allows financial professionals to loop in a third party, someone who the victim trusts, to talk it through.

She told us her firm already has in-house investigators who look into suspected abuse. If they find it happening, they already report it to the state.

Full Article & Source:
New Law Protecting Against Senior Financial Exploitation Goes Into Effect

Call Collett: DOJ called to investigate Charleston probate court over "stolen wealth"

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Following a Count on 2 investigation, the National Action Network is urging the Justice Department to take a look at Charleston's probate court.

The news comes after a local family lost control of their own money for two years under a court-ordered conservatorship.  

The Bennett family shared their story with News 2's Rebecca Collett in the Fall of 2017. After a series of reports, this week the family regained control of their finances.

Elder James Johnson is the local leader of NAN. The organization held a series of marches over the last two months to support the family in recovering their "stolen wealth". Johnson announced Wednesday the organization is asking the Department of Justice to investigate the probate judge who handled the case along with everyone else involved over the last two years.

The court battle cost the Bennett family more than $45,000.

Full Article & Source:
Call Collett: DOJ called to investigate Charleston probate court over "stolen wealth"

How Do We Get Protection From the Protectors?

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From the Director's Desk of The EARN Project:
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.

...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?

Full Article and Source:
The Silver Standard News: How Do We Get Protection From the Protectors?

See Also:
The EARN Project (Elder Abuse Reform Now)

The Unforgivable Truth

Knox County judge Jennifer L. Springer arrested on DUI charge

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MOUNT VERNON — A Knox County judge was arrested early Sunday morning on a drunk driving charge by the Ohio Highway Patrol.

Jennifer L. Springer, 44, of Mount Vernon, has been charged with first-degree misdemeanor operating a vehicle while under the influence and a minor misdemeanor stop sign violation, Mount Vernon Municipal Court records show.

Springer is judge of the Knox County Probate and Juvenile Court.

An alternate prosecutor


Mount Vernon Municipal Court Judge John Thatcher has recused himself from the case, a representative from the city clerk of court's office confirmed Wednesday. The Supreme Court of Ohio is expected to find a replacement judge sometime this week.

Mount Vernon Law Director Rob Broeren Jr. is also stepping away from the case.

"I am asking for another prosecutor to be appointed," Broeren confirmed Wednesday.

When will Springer be in court?


Springer is scheduled to be arraigned at 9:30 a.m. Friday, court records show. A court spokesman said Wednesday the arraignment should continue as scheduled, as a new judge and prosecutor should be in place by then.

Springer has not yet retained defense counsel, court records indicate.

Full Article & Source:
Knox County judge Jennifer L. Springer arrested on DUI charge

Buzz Aldrin lawsuit shows need to plan for aging parents

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SALT LAKE CITY, Utah (News4Utah) - 88-year-old Astronaut Buzz Aldrin is suing two of his children and a former business manager over his finances and other control over other aspects of his life. The issue is highlighting why it's important for families to plan ahead for an aging parent.

Troy Wilson is an elder attorney in Salt Lake City. He notes cases like Buzz Aldrin's can be difficult because it can be hard to determine when someone has a deteriorating mental capacity.

"One of the challenges, when you're dealing with that, is when do you cross that line?" said Wilson. "When do you get to a point where you are no longer able to take care of your financial affairs."

In Aldrin's case, he's accusing his two children of improperly using finances, credit cards, and slander for suggesting he's suffering from dementia.

His children deny the claims in the lawsuit which was filed just weeks after they partitioned for partial guardianship of their father. Wilson notes any elderly person who doesn't feel they need it should contest it.

"If someone brings a guardianship case against you, and you think you do still have capacity, and you think it's not appropriate don't be afraid to push back," said Wilson.

In Utah, any elderly person who is being partitioned for guardianship must be supplied an attorney to make sure their rights are being protected. Wilson said he's been on both sides of these cases.

Having a plan in place of who you want to be a guardian can help, but Wilson admits it's not easy.

"It's tough, get your planning, get it in place," said Wilson. "Think carefully about who you want in place to take responsibility if you can't."

Experts suggest getting a 3rd party to take guardianship if you have multiple children, and they often disagree on a parent's care.

There are services online which can help people get the documents they need to take care of guardianship and planning. An attorney can also help someone do so through an estate plan. Wilson said people should get it done before it's needed.

Full Article & Source:
Buzz Aldrin lawsuit shows need to plan for aging parents

A Former Veterans Affairs Employee Tried To Defraud a Disabled Vet of $680,000

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A former Veterans Affairs employee has been convicted on federal fraud charges after using his position to write himself into a disabled veteran's will.

A press release from the U.S. Attorney's Office in the Eastern District of Tennessee details Kenneth Richard Devore's long list of crimes, beginning with the attempted defrauding of a disabled veteran. The veteran, identified by the government as D.N., was discharged from the military in 1986. After D.N. was officially declared incompetent, Devore, a VA field examiner, was tasked in 2013 with making sure D.N. received his VA benefits and that his assets were managed responsibly.

But that's not what Devore did. Instead, he concocted a plan that would make himself rich. Devore convinced the unsuspecting veteran that he needed a will and then helped him write the document, listing himself as the sole beneficiary of D.N.'s assets. Devore then drove D.N. to the post office to have the documents notarized. He also forged D.N.'s initials in a notice sent to Regions Bank, which the DOJ says was D.N.'s legal guardian. Devore was poised to defraud the veteran of more than $680,000.

Devore was forced to resign for misconduct in 2015 after the forged documents were uncovered. He then applied for a position with the National Background Investigations Bureau, which conducts investigations into candidates for government positions that require security clearance. (Its website promises "efficient and effective background investigations to safeguard the integrity and trustworthiness of the Federal workforce.") He failed to disclose his misconduct at his old job, and he also claimed to have attended Canterbury University, a school that was fabricated by Devore himself. Despite all this, he was hired.

But the misdeeds don't end there. While working for both the VA and the National Background Investigations Bureau, Devore was drawing a separate income from the VA after claiming in 2009 that he was 100 percent disabled, which suggests that the federal government is perhaps an even easier mark than a mentally incompetent veteran.

As Public Information Officer Sharry Dedman-Beard explained to Reason, Devore was indicted in February 2017 after the Veterans Administration Office of Inspector General began an investigation into his behavior. Dedman-Beard also confirmed that Devore was "unsuccessful in his efforts to obtain the victim's money."

On July 25, a federal jury convicted Devore of "six counts of wire fraud, one count of theft of public money over $1,000, one count of willful mail fraud, one count of conflict of interest of a federal employee, two counts of making or using a false writing and one count of making a false statement." His sentencing is scheduled for November 5.

Full Article & Source:
A Former Veterans Affairs Employee Tried To Defraud a Disabled Vet of $680,000

New charges send former PTO treasurer to prison

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Jennifer Reynolds Kee
For the second time in two years, Jennifer Reynolds Kee stood before Superior Court Judge Travis Sakrison and waited to be sentenced.

Kee, 37, pleaded guilty Wednesday to felony probation violation and to new charges, including exploitation of an elderly person, four counts of transaction card fraud and theft by deception.

According to Coweta County Assistant District Attorney Matthew Swope, Kee stole her elderly neighbor’s credit card and ran up a bill of more than $800.

In a non-negotiated plea, Sakrison sentenced Kee to 20 years to serve 8 years behind bars. He also revoked the balance of her current probation.

Swope told the judge Kee had a habit of preying on people she deemed weaker than her.

In August 2016, Kee pleaded guilty to one count of theft by taking and three counts of fourth-degree forgery for stealing more than $15,000 from the Glanton Elementary School PTO. She was treasurer of the organization at that time.

In 2016, Kee was sentenced to 10 years to serve six months in the Coweta County Jail. She had to pay a $1,000 fine and complete 1,000 hours of community service.

Swope said Kee was still on probation when she committed her latest crime.

“To take money from school children is awful. Then we later learned Ms. Kee stole $3,000 from a local church, who declined to prosecute. They only wanted her to repay the funds,” he told the court. “Eighteen months later, she goes from stealing from children to stealing from the elderly. This deception, taking advantage of an elderly neighbor, is abhorrent.”

Christopher Upshaw, Kee’s defense attorney, called her physician to the stand.

Dr. Barry Hull testified he recently diagnosed Kee with bipolar disorder and placed her on new medication. Her husband and Grantville councilman, Willie Kee, spoke on her behalf.

“I’ve experienced a wide range of emotions from depression to hope,” he told Sakrison. “I’ve seen how these crimes have impacted my neighbor, my children and my community. I’ve been crushed by my son’s nightly prayer as he begs God to ‘please make my mom better.’

“Since Jennifer has been on her new medications, I have seen a stark difference in her attitude,” Kees continued. “My children and Jennifer need one another. I need my wife. I beg the court to show mercy and allow her to continue treatment, get better and become a productive member of society and a productive mother to our children.”

Jennifer Kee was the last person to address the court.

“I know I have let down the court, the community and my family,” she said. “I am deeply sorry for the hurt that I have caused … I want the court to understand I am not a bad person and am working to take care of my issues … I say this in front of God and everyone, this will never happen again.”

Sakrison made it clear to Kee he was not happy to see her again.

“Here we are again, Ms. Kee. We’re back here again in my courtroom, and I really hate that,” he said. “Some things said here today, such as working with a counselor, were also said when I sentenced you the first time. It concerns me to think that what brings you to treatment at this point is getting caught or the fear of getting caught.”

Sakrison then handed down Kees’ sentence of 20 years to serve 8 years in prison.

He also ordered her to pay restitution to her elderly neighbor.

Kee sobbed behind the defense table before being led away by deputies with the Coweta County Sheriff’s office.

Full Article & Source:
New charges send former PTO treasurer to prison

Senate Considers Alzheimer’s Bill

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The U.S. Senate is considering a bill, the Building Our Largest Dementia Infrastructure for Alzheimer’s (BOLD) Act, to increase programs for Alzheimer’s patients and their caregivers.

At a meeting of the Senate Special Committee on Aging on June 19, lawmakers discussed the bill, introduced in November 2017 by Sen. Susan Collins (R-ME) and Sen. Catherine Cortez Masto (D-NV), with no one stating opposition to the legislation.

Alzheimer’s disease is the sixth-leading cause of death in the United States. The BOLD Act is one of the first large-scale congressional initiatives to address the disease from multiple angles. According to Alzheimer’s Impact Movement, the BOLD Act would establish Alzheimer’s Centers of Excellence around the country, provide funding to state and local organizations to foster early detection, and support an increase in collection and analysis of Alzheimer’s data.

‘A Well-Meaning Attempt’

Edward Hudgins, research director at The Heartland Institute, which publishes Health Care News, says despite bipartisan support and noble intentions, the BOLD Act is not the answer for patients suffering from Alzheimer’s and dementia. The FDA’s lengthy and daunting approval process for new Alzheimer’s drugs and treatment options is the main roadblock preventing patients from accessing new methods of care that show great promise in combating Alzheimer’s and dementia, Hudgins says.
Allowing patients greater access to experimental care would help spread innovative new treatments better than the proposed legislation, Hudgins says.

“The BOLD Act legislation currently before the U.S. Congress is a well-meaning attempt to provide services for Alzheimer’s sufferers and public information,” Hudgins said. “But adding another government program does not get to the root of the problem. The most promising work on Alzheimer’s is found in bio-hacking and tissue-based research such as the new stem-cell treatment offered in Japan.”

Sees Promise in Technologies

Hudgins says the key to treating Alzheimer’s and other persistent diseases is to allow people to try emerging, innovative treatment options.

“As researchers better understand the nature of the disease, they now have a technology that could allow them to engineer cells, possibly to stop or even reverse the disease or to regrow damaged brain cells,” Hudgins said. “Also promising is work on nanotech implants and brain-computer interfaces. Companies like Kernel or Elon Musk’s Neuralink seek to create implants to replace damaged parts of the brain or, through a ‘neural lace,’ connect the brain to computers to enhance cognitive abilities.

“Government should not stand in the way of such promising innovations,” Hudgins said.

Full Article & Source:
Senate Considers Alzheimer’s Bill

Lawsuit alleges Roseville nursing home and others understaffed on purpose – to increase profits

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A recently filed lawsuit alleges Roseville Point Health & Wellness Center knowingly understaffed to save money. 

This case is among 15 class action lawsuits alleging purposeful understaffing at 15 nursing homes around California filed by elder abuse law firm Garcia, Artigliere & Medby and The Arns Law Firm, which represents workers and their families.

Aside from the 98-bed Roseville facility, the 14 other facilities are mainly located in Southern California and the Bay Area.

The Roseville lawsuit, filed on behalf of petitioner Diane Bechtold, a resident at the center, alleges the understaffing is “chronic and intentional” and an “effort to pocket unearned profit.”

The lawsuits name a number of defendants, including Shlomo Rechnitz, California’s largest nursing home owner, and Rockport Administrative Services LLC, a consulting company with a number of Rechnitz’s facilities as clients.

“This violation of each resident’s rights was directed and implemented at the mandate of the managers and owners of the facilities, Rockport Administrative Services and Shlomo Rechnitz, and his multiple layers of affiliated companies,” the lawsuit claims.

According to Mark Johnson, from the firm Hooper, Lundy & Bookman PC, representing Rockport, the consulting company provides services to skilled nursing facilities “including oversight of compliance with applicable staffing requirements.”

“Importantly, none of the lawsuits allege any harm to the residents of facilities which Rockport serves,” Johnson said. “Roseville Point Healthcare and Wellness Center … is in full compliance with applicable staffing laws including the increased staffing levels required as of July 1, 2018. In fact, its compliance has been confirmed during standard annual audits conducted by the California Department of Public Health.”

The health department could not immediately provide information about compliance with staffing requirements at the center.

Documents sent by Johnson appear to show the California Department of Public Health reported the Roseville facility had zero days of non-compliance with required staffing levels in 2016. The health department could not immediately authenticate the documents.

Glaser Weil trial lawyer Jill Basinger, representing all of the defendants in the lawsuits except Rockport, claims the nursing facilities “not only maintain the state required 3.2 nursing hours per patient day, they even exceed them.”

Staffing requirements


Whereas previously, 3.2 nursing hours per patient day was the minimum numeric staffing ratio required in a skilled nursing facility under state law, as of July 1, 2018, the new minimum required ratio is 3.5

The terminology “hours per patient day” refers to the amount of direct nursing care hours needed to care for a hospital or facility’s patients.

Adequate staffing is a right ensured to patients in a skilled nursing facility under California’s Patient’s Bill of Rights.

Full Article & Source:
Lawsuit alleges Roseville nursing home and others understaffed on purpose – to increase profits

Woman to serve up to 3 years for stealing more than $40k from mother-in-law

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MANCHESTER— An East Derry woman was sentenced Monday to serve to up to three years in state prison for stealing more than $40,000 from her elderly mother-in-law.

Attorney General Gordon J. MacDonald said in a release Monday that Elizabeth Whitehead, 53, was sentenced Monday in Hillsborough Superior Court North in Manchester to one Class A felony count of theft by unauthorized taking after pleading guilty to the charge on May 15.

The court sentenced Whitehead to 1½ to 3 years at the New Hampshire state prison.

According to MacDonald, an investigation by Manchester Police revealed between April 2014 and February 2015, Whitehead forged bank withdrawal slips in order to withdraw money from her 87-year-old mother-in-law’s bank account. The investigation showed that Whitehead forged 29 withdrawal slips and withdrew $44,000 of the victim’s money.

At the sentencing hearing, Whitehead disputed the amount of money she had taken. A hearing will be scheduled in the near future to determine the total amount of restitution owed to the victim.

MacDonald said attorneys and victim/witness advocates in the Attorney General’s Elder Abuse and Financial Exploitation Unit work with local law enforcement agencies to investigate and prosecute this type of crime.

Anyone who believes they may have been, or knows someone who may have been, the victim of elder abuse or financial exploitation is asked to contact their local police department or the Department of Health and Human Services, Bureau of Elderly and Adult Services at (800) 949-0470.

Full Article & Source:
Woman to serve up to 3 years for stealing more than $40k from mother-in-law

Uncovering Elder Financial Abuse? It’s Tricky.

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Timothy Townsend offers loans for a living in north Alabama. It’s kind of like a middle ground between a payday lender and a bank. He remembers one time when a 19-year-old applied for a truck loan. The young man didn’t have any credit and had only been working a few weeks. So he got his grandfather to co-sign the loan application.

“When I talked to the older gentlemen he was like ‘Well, I guess. I really don’t want to, but they’re saying it’s the only way he can get it,’” Townsend says.

That hesitation was a red flag for Townsend, but it’s awkward because as much as he wanted to do right by the young man and his grandfather — and follow the law — he’s in business.

“In the atmosphere of Yelp and Google ratings and things of that nature, if you make a wrong judgement call, it can give your business a bad reputation,” Townsend says.

It’s a tough situation for people in financial services. But these circumstances can pull the curtain back on elder financial abuse. That’s because banks and other financial institutions can sometimes spot potential problems early.

Regions Bank trains its employees to look for signs of exploitation. Basically, they look for things out of the ordinary, says Steven Kirkpatrick, who helps oversee security for Regions. It could be a customer at a branch accompanied by an unknown person who does all the talking. Maybe someone withdraws large sums or there’s unusual spending.

“Such as the person’s in their 70s and there’s a lot of nightlife activity that you pretty well know that this elderly person lives a frugal life… that is a surefire sign that something’s wrong,” Kirkpatrick says.

Regions has an internal hotline employees can call to report suspicious activity. The company investigates and turns over credible reports to authorities, as is required by law.

There are government agencies that protect older adults from financial abuse. Take the Alabama Department of Human Resources, where Louise Julian has worked in Adult Protective Services for 30 years. She says about half the cases are straightforward. With others, it’s not always easy to know how to intervene, particularly if a victim doesn’t believe he or she has been scammed.

“For example, we had this one lady and basically what she was doing she was sending money overseas,” Julian says. “She was convinced that she was in a relationship and that this would result in marriage.”

Julian says this woman had all her faculties and that’s the key. If the victim understands decisions, even if they’re poor decisions, there’s not much the department can do.

But just because DHR can’t help, that doesn’t mean a crime hasn’t been committed. Prosecutors can still pursue criminal charges.

Diane Dunning is an Alabama assistant attorney general. She says the state has passed laws recently to better combat financial exploitation. One law allows brokers to delay a payout if they suspect elder abuse.

“[If] somebody walks in and wants to withdraw $250,000 from granddad’s account and they can’t give you a valid reason why but they’ve got the power of attorney, you may not want to do that right off the bat,” says Dunning.

The law also protects financial professionals from liability if they make good faith reports of possible abuse.

Timothy Townsend, who runs the consumer financial company, isn’t sure the case with the 19-year-old applying for a truck loan with his grandfather was abuse. He denied the loan for other reasons.

But with people living longer holding, in some cases, a lifetime of savings, more tricky conversations are sure to come.

Full Article & Source:
Uncovering Elder Financial Abuse? It’s Tricky.
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