FBI on Reverse Mortgage Scam – San Diego, CA

Posted on November 10, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

FBI Fraud Warning Senior: Reverse Mortgage Scam

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Reverse Mortgage Scams

The FBI and the U.S. Department of Housing and Urban Development Office of Inspector General (HUD-OIG) urge consumers, especially senior citizens, to be vigilant when seeking reverse mortgage products. Reverse mortgages, also known as home equity conversion mortgages (HECM), have increased more than 1,300 percent between 1999 and 2008, creating significant opportunities for fraud perpetrators.

Reverse mortgage scams are engineered by unscrupulous professionals in a multitude of real estate, financial services, and related companies to steal the equity from the property of unsuspecting senior citizens or to use these seniors to unwittingly aid the fraudsters in stealing equity from a flipped property.

In many of the reported scams, victim seniors are offered free homes, investment opportunities, and foreclosure or refinance assistance. They are also used as straw buyers in property flipping scams. Seniors are frequently targeted through local churches and investment seminars, as well as television, radio, billboard, and mailer advertisements.

A legitimate HECM loan product is insured by the Federal Housing Authority. It enables eligible homeowners to access the equity in their homes by providing funds without incurring a monthly payment. Eligible borrowers must be 62 years or older who occupy their property as their primary residence and who own their property or have a small mortgage balance. See the FBI/HUD Intelligence Bulletin for specific details on HECMs as well as other foreclosure rescue and investment schemes.

Tips for Avoiding Reverse Mortgage Scams:

Do not respond to unsolicited advertisements.
Be suspicious of anyone claiming that you can own a home with no down payment.
Do not sign anything that you do not fully understand.
Do not accept payment from individuals for a home you did not purchase.
Seek out your own reverse mortgage counselor.

If you are a victim of this type of fraud and want to file a complaint, please submit information through our electronic tip line or through your local FBI office. You may also file a complaint with HUD-OIG at www.hud.gov/complaints/fraud_waste.cfm or by calling HUD’s hotline at 1-800-347-3735.

Read our intelligence bulletin on reverse mortgages.

Additional Resources on Frauds Impacting Seniors:
– USA.gov Resources for Seniors
– Resources from the United States Senate Special Committee on Aging

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Secure Care Inc.9665 Granite Ridge Dr. Ste. 205
San Diego, CA 92123 USA
P: 858.277.3722
F: 858.277.6737
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www.homeinstead.com/158
Each Home Instead Senior Care Franchise
is independently owned and operated.

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FBI on Internet and Investment Fraud – San Diego, CA

Posted on November 9, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

FBI Fraud Warning Senior: Internet and Investment Fraud

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Internet Fraud

As web use among senior citizens increases, so does their chances to fall victim to Internet fraud. Internet Fraud includes non-delivery of items ordered online and credit and debit card scams. Please visit the FBI’s Internet Fraud webpage for details about these crimes and tips for protecting yourself from them.

Investment Schemes

As they plan for retirement, senior citizens may fall victim to investment schemes. These may include advance fee schemes, prime bank note schemes, pyramid schemes, and Nigerian letter fraud schemes. Please visit the Common Fraud Schemes webpage for more information about these crimes and tips for protecting yourself from them.

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FBI on Telemarketing Fraud – San Diego, CA

Posted on November 6, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

FBI Fraud Warning Seniors:Telemarketing Fraud

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Telemarketing Fraud

If you are age 60 or older—and especially if you are an older woman living alone—you may be a special target of people who sell bogus products and services by telephone. Telemarketing scams often involve offers of free prizes, low-cost vitamins and health care products, and inexpensive vacations.

There are warning signs to these scams. If you hear these—or similar—“lines” from a telephone salesperson, just say “no thank you,” and hang up the telephone:

“You must act now, or the offer won’t be good.”
“You’ve won a free gift, vacation, or prize.” But you have to pay for “postage and handling” or other charges.
“You must send money, give a credit card or bank account number, or have a check picked up by courier.” You may hear this before you have had a chance to consider the offer carefully.
“You don’t need to check out the company with anyone.” The callers say you do not need to speak to anyone, including your family, lawyer, accountant, local Better Business Bureau, or consumer protection agency.
“You don’t need any written information about the company or its references.”
“You can’t afford to miss this high-profit, no-risk offer.”

Tips for Avoiding Telemarketing Fraud:

It’s very difficult to get your money back if you’ve been cheated over the telephone. Before you buy anything by telephone, remember:

Don’t buy from an unfamiliar company. Legitimate businesses understand that you want more information about their company and are happy to comply.
Always ask for and wait until you receive written material about any offer or charity. If you get brochures about costly investments, ask someone whose financial advice you trust to review them. But, unfortunately, beware—not everything written down is true.
Always check out unfamiliar companies with your local consumer protection agency, Better Business Bureau, state attorney general, the National Fraud Information Center, or other watchdog groups. Unfortunately, not all bad businesses can be identified through these organizations.
Obtain a salesperson’s name, business identity, telephone number, street address, mailing address, and business license number before you transact business. Some con artists give out false names, telephone numbers, addresses, and business license numbers. Verify the accuracy of these items.
Before you give money to a charity or make an investment, find out what percentage of the money is paid in commissions and what percentage actually goes to the charity or investment.
Before you send money, ask yourself a simple question. “What guarantee do I really have that this solicitor will use my money in the manner we agreed upon?”
Don’t pay in advance for services. Pay services only after they are delivered.
Be wary of companies that want to send a messenger to your home to pick up money, claiming it is part of their service to you. In reality, they are taking your money without leaving any trace of who they are or where they can be reached.
Always take your time making a decision. Legitimate companies won’t pressure you to make a snap decision.
Don’t pay for a “free prize.” If a caller tells you the payment is for taxes, he or she is violating federal law.
Before you receive your next sales pitch, decide what your limits are—the kinds of financial information you will and won’t give out on the telephone.
Be sure to talk over big investments offered by telephone salespeople with a trusted friend, family member, or financial advisor. It’s never rude to wait and think about an offer.
Never respond to an offer you don’t understand thoroughly.
Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons.
Be aware that your personal information is often brokered to telemarketers through third parties.
If you have been victimized once, be wary of persons who call offering to help you recover your losses for a fee paid in advance.
If you have information about a fraud, report it to state, local, or federal law enforcement agencies.

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FBI on Anti-Aging Fraud – San Diego, CA

Posted on November 5, 2012 by Jessica Perez

Senior welfare home care, san diego, california – FBI Fraud Warning Seniors: Cemetery Fraud

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Fraudulent “Anti-Aging” Products

Tips for Avoiding Fraudulent “Anti-Aging” Products:

If it sounds too good to be true, it probably is. Watch out for “Secret Formulas” or “Breakthroughs.”
Don’t be afraid to ask questions about the product. Find out exactly what it should and should not do for you.
Research a product thoroughly before buying it. Call the Better Business Bureau to find out if other people have complained about the product.
Be wary of products that claim to cure a wide variety of illnesses—particularly serious ones—that don’t appear to be related.
Be aware that testimonials and/or celebrity endorsements are often misleading.
Be very careful of products that are marketed as having no side effects.
Question products that are advertised as making visits to a physician unnecessary.
Always consult your doctor before taking any dietary or nutritional supplement.

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Jessica Perez
Office Manager

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FBI on Funeral and Cemetery Fraud – San Diego, CA

Posted on November 4, 2012 by Jessica Perez

Senior welfare home care, san diego, california – FBI Fraud Warning Seniors: Cemetery Fraud

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Funeral and Cemetery Fraud

Tips for Avoiding Funeral and Cemetery Fraud:

Be an informed consumer. Take time to call and shop around before making a purchase. Take a friend with you who may offer some perspective to help make difficult decisions. Funeral homes are required to provide detailed general price lists over the telephone or in writing.
Educate yourself fully about caskets before you buy one, and understand that caskets are not required for direct cremations.
Understand the difference between funeral home basic fees for professional services and any fees for additional services.
Know that embalming rules are governed by state law and that embalming is not legally required for direct cremations.
Carefully read all contracts and purchasing agreements before signing and make certain that all of your requirements have been put in writing.
Make sure you understand all contract cancellation and refund terms, as well as your portability options for transferring your contract to other funeral homes.
Before you consider prepaying, make sure you are well informed. When you do make a plan for yourself, share your specific wishes with those close to you.
As a general rule governing all of your interactions as a consumer, do not allow yourself to be pressured into making purchases, signing contracts, or committing funds. These decisions are yours and yours alon

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Jessica Perez
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FBI on Counterfeit Prescription Drugs – San Diego, CA

Posted on November 3, 2012 by Jessica Perez

Senior welfare home care, san diego, california – FBI Fraud Warning for Seniors

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Counterfeit Prescription Drugs

Tips for Avoiding Counterfeit Prescription Drugs:

Be mindful of appearance. Closely examine the packaging and lot numbers of prescription drugs and be alert to any changes from one prescription to the next.
Consult your pharmacist or physician if your prescription drug looks suspicious.
Alert your pharmacist and physician immediately if your medication causes adverse side effects or if your condition does not improve.
Use caution when purchasing drugs on the Internet. Do not purchase medications from unlicensed online distributors or those who sell medications without a prescription. Reputable online pharmacies will have a seal of approval called the Verified Internet Pharmacy Practice Site (VIPPS), provided by the Association of Boards of Pharmacy in the United States.
Be aware that product promotions or cost reductions and other “special deals” may be associated with counterfeit product promotion.

Get your FREE Guide to Senior Inhome Care at www.seniorcarechoicessd.com

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Jessica Perez
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Hurricane Sandy – Senior STAR Initiative

Posted on November 1, 2012 by Jessica Perez

Senior Welfare Home Care, San Diego, CA –

Hurricane Sandy can be especially hard on seniors.

Disaster Preparedness: The STAR Initiative

The Safety Training and Resources (STAR) Initiative is a community-based training and database development project designed to provide emergency responders with crucial resource information. This citizen-led program is designed to assist local agencies with collecting information for community preparedness.

Download your important article on Disaster Preparedness for the Vulnerable

This information is brought to you by NATI

The National Association of Triads is a partnership of three organizations—law enforcement, older adults, and community groups. The purpose of Triad is to promote older adult safety and to reduce the fear of crime that older adults often experience. NATI assists at the grassroots level, helping you organize your Triad and providing a clearinghouse of programs and resources that can be implemented at a community level, and training materials for law enforcement, volunteers, and community groups.

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Jessica Perez
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Senior Welfare Home Care, San Diego, CA – Hurricane Sandy Senior Emergency Kit

Posted on October 31, 2012 by Jessica Perez

Hurricane Sandy can be especially hard on seniors. Get a Free Senior Emergency Kit

Elder welfare home care, san diego, california – Oct. 31, 2012

Senior Emergency Kit

The Home Instead Senior Care® network’s Senior Emergency Kit^SM can help ensure that family caregivers like you have fast and easy access to important information about loved ones in case of an emergency call.

This resource was developed with the assistance of Humana Points of Caregiving®. It is designed to help family caregivers gather details about a senior’s doctors, pharmacy and insurance company, medications and dosages, as well as allergies, power of attorney and other important information.

This toolkit will provide you with all the important information you need in a centrally located file so you are ready for a crisis, day or night.

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Jessica Perez
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Senior Welfare Home Care, San Diego, CA – Hurricane Sandy

Posted on October 30, 2012 by Jessica Perez

Elder welfare home care, san diego, california – Hurricane Sandy can be especially hard on seniors.

Preparing seniors for hurricane Sandy

Older adults may be among the most vulnerable victims when hurricanes strike. That’s why Home Instead Senior Care has issued a disaster safety preparation checklist to help prepare seniors for the possibility of weather emergencies.

“We know that a disaster can be deadly for some seniors because of physical and other limitations,” said Sue Bidwell, owner of the Home Instead Office serving Ft. Myers and Naples. “That’s why the sooner the better for families to talk with their senior loved ones and begin preparing in advance for any kind of emergency that could threaten their health or safety. Consider this checklist as you help your older adult get ready.”

Home Instead Senior Care’s Disaster Prep Checklist For Seniors:

Tune in. Contact the local emergency management office to learn about the most likely natural disasters to strike your area. Stay abreast of what’s going on through your local radio or television.

Take stock. Decide what your senior can or can’t do in the event of a natural disaster. Make a list of what would be needed if a disaster occurred. For example, if your loved one is wheelchair-bound, determine an evacuation strategy ahead of time.

Prepare for whatever disaster could hit the area. To go or to stay? When deciding to evacuate, older adults should go sooner rather than later. By waiting too long, they may be unable leave if they require assistance.

Make a plan. Schedule a family meeting to develop a plan of action. Include in your plan key people – such as neighbors, friends, relatives and professional caregivers – who could help.

More than one way out. Seniors should develop at least two escape routes: one to evacuate their home and one to evacuate their community. The local emergency management office can tell you escape routes out of the community.

Meet up. Designate a place to meet relatives or key support network people outside the house, as well as a second location outside the neighborhood, such as a school or church. Practice the plan twice a year.

Get up and “Go Kit.” Have an easy-to-carry backpack including three days non-perishable food and water with an additional four days of food and water readily accessible at home. Have at least one gallon of bottled water per person per day. Refresh and replace your supplies at least twice a year. And don’t forget the blanket and paper products such as toilet paper.

Pack extras and copies. Have at least a one-month supply of medication on hand at all times. Make ready other important documents in a waterproof protector including copies of prescriptions, car title registration and driver’s license, insurance documents and bank account numbers, and spare checkbook. Also take extra eyeglasses and hearing-aid batteries. Label every piece of important equipment or personal item in case they are lost.

Your contact list. Compile a contact list and include people on a senior’s support network as well as doctors and other important health-care professionals.

If you can’t be there. If you’re not living close by to help your loved one, enlist the help of family or friends, or contact a professional caregiving company.

For more information about disaster preparedness, contact Home Instead

Senior Care at 239.596.2030 (Naples) or 239-226-0007 (Ft. Myers), or

http://www.homeinstead.com.

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Senior Welfare Home Care, San Diego, CA – FBI Fraud Website – what to look for

Posted on October 29, 2012 by Jessica Perez

Elder welfare home care, san diego, california – FBI Fraud Warning for Seniors

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

What to Look For and How to Protect Yourself and Your Family

Health Care Fraud or Health Insurance Fraud

Medical Equipment Fraud:

Equipment manufacturers offer “free” products to individuals. Insurers are then charged for products that were not needed and/or may not have been delivered.

“Rolling Lab” Schemes:

Unnecessary and sometimes fake tests are given to individuals at health clubs, retirement homes, or shopping malls and billed to insurance companies or Medicare.

Services Not Performed:

Customers or providers bill insurers for services never rendered by changing bills or submitting fake ones.

Medicare Fraud:

Medicare fraud can take the form of any of the health insurance frauds described above. Senior citizens are frequent targets of Medicare schemes, especially by medical equipment manufacturers who offer seniors free medical products in exchange for their Medicare numbers. Because a physician has to sign a form certifying that equipment or testing is needed before Medicare pays for it, con artists fake signatures or bribe corrupt doctors to sign the forms. Once a signature is in place, the manufacturers bill Medicare for merchandise or service that was not needed or was not ordered.

Get your FREE Guide to Senior Inhome Care at www.seniorcarechoicessd.com

NEED a CAREGiver^SM

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Jessica Perez
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FBI Fraud Target: Senior Citizens – What to look for

Reverse Mortgage Scams

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FBI Fraud Target: Senior Citizens – What to look for

Internet Fraud

Investment Schemes

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FBI Fraud Warning Seniors:Telemarketing Fraud

FBI Fraud Target: Senior Citizens – What to look for

Telemarketing Fraud

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FBI Fraud Target: Senior Citizens – What to look for

Fraudulent “Anti-Aging” Products

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FBI Fraud Target: Senior Citizens – What to look for

Funeral and Cemetery Fraud

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FBI Fraud Target: Senior Citizens – What to look for

Counterfeit Prescription Drugs

Tips for Avoiding Counterfeit Prescription Drugs:

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Disaster Preparedness: The STAR Initiative

This information is brought to you by NATI

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Senior Emergency Kit

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FBI Fraud Target: Senior Citizens – What to look for

What to Look For and How to Protect Yourself and Your Family

Medical Equipment Fraud:

“Rolling Lab” Schemes:

Services Not Performed:

Medicare Fraud:

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Become a CAREGiver^SM

Become a CAREGiver^SM

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