Financial and bill paying scams targeting seniors are unfortunately common, prevalent, and costly. According to elder fraud analysts at the FBI, seniors lose over $3 billion each year to fraudsters. Scammers tend to target seniors because they believe that they have a significant amount of money sitting in their accounts. The vast majority of bill paying scams are perpetuated by an older person’s family members, most often their adult children.
Here at our Miami senior care agency, one of our most utilized services is our bill paying assistance service. Our certified caregivers are happy to share their tips on how to help your loved ones avoid financial schemes targeting them.
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Common Billing Scams
These are some of the most common schemes targeting Miami seniors.
Government Impostor Scams
In this scam, government imposters call unsuspecting victims and pretend to be from the Internal Revenue Service, Social Security Administration, or Medicare. They may state that the senior has unpaid taxes and threaten arrest or deportation if they aren’t paid immediately. Savvy scammers may even spoof the actual phone numbers of a government agency.
The Grandparent Scam
The grandparent scam is a simple scam that preys on the emotions of the target. Scammers will place a call to an older adult and say something like, “Hi, Grandma, do you know who this is,” pretending to be a grandchild. Once the scammer has established a fake identity, they will ask for money to solve some financial issues, such as overdue rent or car repairs.
Computer/Tech Support Scam
These types of scams prey on the victim’s lack of knowledge about computers and cybersecurity. A pop-up message will appear on their computer or phone telling the victim that their device needs repair. When they call the support number, the scammer will request a fee to have the “issue” repaired.
How to Outsmart Scammers
It can be difficult for independently-living seniors to outsmart scammers. One way that family members can help is by hiring a senior supportive care agency. Our caregivers who perform bill paying assistance are trained to recognize the signs that your loved one is being scammed.
If you suspect that your loved one has been the victim of a financial scam, do not be afraid to talk to them about it. You are not alone, and some people can assist. Bill-paying scams are serious business and should be reported to the proper authorities.
Bill-Paying Assistance in Miami-Dade
When an elderly person needs help paying bills, due to health problems or decreased mental abilities, our Miami home care service can help with bill-paying. Our certified caregivers will look over your senior’s bill to notice any discrepancies or unusual payments. We will take the time to notify family members and then take the appropriate next steps to report the scammers.
For more information about our bill paying assistance, please contact Advancare at 305-441-9794.
The term “sandwich generation” refers to young to middle-aged adults who are simultaneously raising children and caring for elderly parents. More than 10 percent of the parents in the Miami-Dade area also care for an adult, spending around three hours every day on caregiving duties for their children and their parents. Add in the daily responsibilities of working and taking care of a house, being a member of the sandwich generation can be exhausting, expensive, and difficult.
One of the ways that members of the sandwich generation choose to deal with these responsibilities is by hiring a Miami-Dade elderly care service to handle some of the daily care of their aging family members. Here is how Advancare can help out the sandwich generation.
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What is the Sandwich Generation?
With a growing population of aging adults and a generation of young adults struggling to achieve financial independence while raising children of their own, the term “sandwich generation” has sprung up to describe these adults in their forties and fifties. Statistics show that nearly half of all adults in this age range have a parent aged 65 or older and are either raising a young child or financially supporting a grown adult. One in seven middle-aged adults is providing financial support to both an aging parent and a child.
Caregiving Issues for the Sandwich Generation
Being a member of the sandwich generation comes with many stressors, with one of the largest being having to find a trusted senior caregiver. These are some of the other caregiving-related issues that members of the sandwich generation face.
Lack of Personal Time
Both parenting and taking care of an aging parent are a tremendous time burden. Many members of the sandwich generation find that they have little or no free time for themselves, which leads to stress and burnout.
Dealing with Complex Emotions
When you take care of an aging parent, the roles that you have held for most of your lives are flipped around. This can lead to complex emotional issues that are difficult to navigate.
Members of the sandwich generation often find themselves at odds with family members such as siblings and parents about how best to provide senior care.
Getting Home Healthcare Help in Miami-Dade
Instead of dealing with all of the above issues, members of the sandwich generation can hire a respite care provider in Miami-Dade. Here at Advancare, our team of certified caregivers lightens the care load by providing a variety of home care services for homebound seniors. These services include:
- Assistance with bill paying
- Short term disability
- Supportive care
- Caring companionship
- Alzheimer’s and dementia care
- Bathing and grooming
Our personalized senior care services can be tailored to fit the needs of your loved ones. By working with our team of friendly caregivers, members of the sandwich generation can go back to enjoying their free time and spending valuable time with their children.
Contact Advancare today at 305-441-9794 to learn more about how we can help.
Also known as SAD, seasonal affective disorder is a type of depression related to changes in seasons. It tends to begin and end at the same time every year. While most Americans with SAD experience it during the cold and gray winter months, the year-round warm weather here in Miami poses challenges for elderly care and senior home care service alike, since people may experience SAD at different times of the year. Luckily, there are ways that you can help your elderly loved ones cope with seasonal affective disorder. The experienced Miami home caregivers at Advancare are happy to give tips on how to help your loved ones deal with seasonal affective disorder, and help recognize the signs that they may be experiencing the disorder.
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What Are Ways to Cope with Seasonal Affective Disorder?
If your seniors know that they experience SAD at a certain time of the year, it is recommended that you take preventative steps to prepare for the symptoms.
Light From a Box
The first tip from our senior home care service to treat SAD is to try light that comes from a box. Bright light therapy is widely considered to be a first-line treatment option for people suffering from SAD in the winter. Light therapy boxes, also known as phototherapy boxes, are devices that give off light that mimics sunshine. Your seniors should sit in front of the box for 20 to 30 minutes per day.
Prioritize Social Activities
Loneliness can be a compounding issue for seniors with SAD, especially for seniors who live by themselves. Prioritizing social activities can help, and our caring companionship and incidental transportation services at Advancare can help seniors socialize.
As is true with other forms of depression, exercise can help to alleviate the symptoms. For seniors, this can simply mean taking a daily walk or following instructional workout videos online.
How Do You Treat Seasonal Depression?
In addition to the above ways that your senior can cope with seasonal affective disorder, it can also be treated with the following solutions:
- Medications: Some people with SAD will see benefits from antidepressant treatment, especially if their symptoms are severe. Speak to a physician for more advice.
- Psychotherapy: Also called talk therapy, psychotherapy is another effective way to treat SAD.
- Mind-body connection: Some mind-body techniques that people use to treat SAD include yoga, meditation, and music or art therapy.
Signs It’s Time to Get Help
It’s oftentimes the case that SAD symptoms begin as mild and then get more severe as the season progresses. If your senior loved one is experiencing any of the following symptoms, you should seek out help from a medical professional.
- Feeling depressed most of the day, nearly every day
- Having low energy
- Losing interest in activities you once enjoyed
- Experiencing changes in weight or appetite
- Having difficulty concentrating
- Feeling hopeless, worthless, or guilty
Miami In-Home Caregivers
Working with one of our professional caregivers at Advancare can help with some of the symptoms of SAD in seniors. Contact us at 305-441-9794 for a consultation.