Recently, I received a very strange voicemail from my grandfather indicating he had put together the money to bail me out of jail.  Obviously, this message caught my attention, because at that moment I was watching TV on the couch with my fiancé, a far cry from wearing an orange jumpsuit behind bars.  I immediately called back and learned that someone claiming to be a lawyer contacted him indicating I was currently in prison for getting into a car accident due to driving while texting. And of course, I would be released from jail if my grandfather sent the attorney $9,800 for my bail. I quickly informed him none of that story was true, and he should under no set of circumstances send this individual money.  Thankfully, no real harm was done to my grandfather, and this incident will only serve as a cautionary tale for when another con artist inevitably preys on him.   

Later that day, I was on the phone with my grandmother and relayed my grandfather’s story.  During the call, she told me of a different scam she experienced where someone called claiming to be her bank and said she owed them $3,000.  Fortunately, she called my mother to verify the caller’s claim, and my mom quickly realized it was a scam.  

While both of my grandparents were lucky, I know that countless seniors are not so fortunate.  After hearing my grandparents’ stories, I couldn’t help but wonder about other types of sophisticated scams that target seniors. After researching, I learned that con artists call seniors claiming to be from the Internal Revenue Service (IRS) indicating that they owe the government money for taxes, and failure to pay will result in their arrest. Another scam occurs when people read the obituaries, then call the grieving family asking for money, fraudulently claiming the deceased was in their debt.    
Can you imagine the type of low-life who calls seniors, scaring them into thinking they are going to jail, or steals money from the elderly while they are grieving for a loved one?
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Last March, the Senate Special Committee on Aging had a hearing called “Stopping Senior Scams,” where this was topic was addressed.  During the hearing, Chairman Susan Collins disclosed the IRS impersonation scam had been the most consistently reported to the Committees’ hotline over the past three years.  Furthermore, because of information obtained by the hotline, the Treasury Inspector General for Tax Administration was able to arrest 15 people associated with a scam that stole about $9 million.  However, efforts to fight this type of criminal behavior must continue in earnest, because according to the Department of Justice, about
$3  billion continues to be stolen from seniors each year.
 
According to the Federal Bureau of Investigation (FBI), seniors are unfortunately susceptible to scams for a variety of reasons. These include: Older Americans tend to own “nest eggs” and have outstanding credit; seniors often do not report fraud because they are embarrassed or unsure of who to contact; and  scam artists know that seniors make poor witnesses because they have a difficult time recalling facts.  A former conman awaiting sentencing in California for the “grandparent scam” explained, “You can make $10,000 sometimes in a day if you do it properly,” despite only generating a 2 percent success rate. Asked why scammers pick on seniors, he said, “We target people over the age of 65, mainly, because they're more gullible…They're at home. They're more accessible. Once you get them emotionally involved, then they'll do anything for you, basically.”
 
So, what can seniors do to avoid being taken advantage of? It’s simple: Never give personal financial information over the phone, unless you placed the call; set privacy settings on social media accounts to their highest levels; and, to ensure that a phone call is really coming from a loved one, ask questions over the phone that only a family member would know.
 
Hopefully, through public awareness and education, seniors can be less vulnerable to these types of scams. However, in the meantime, I applaud my great-uncle, who has been frequently targeted by these types of scams.
 
He simply hangs up the phone, but beforehand, he asks the con artist, “Does your mother know what you do for a living?”  

​Evan Carmen, Esq. is the Assistant Director for Aging Policy at the B’nai B’rith International Center for Senior Services. He holds a B.A. from American University in political science and a J.D. from New York Law School.  Prior to joining B’nai B’rith International he worked in the Office of Presidential Correspondence for the Obama White House, practiced as an attorney at Covington and Burling, LLP, worked as an aide for New York City Council Member Tony Avella and interned for Congressman Gary Ackerman’s office. Click here to read more from Evan Carmen.

Working at B’nai B’rith International during the past year has afforded me the opportunity to visit our sponsored Section 202 buildings across the country.  B’nai B’rith in partnership with Department of Housing and Urban Development (HUD) sponsors Section 202 housing for low-income seniors throughout the United States comprising 38 buildings that serve more than 4,500 people. While touring the properties, I have gotten to talk with residents and see exactly how seniors benefit from living there. Learning about affordable housing is always a humbling experience, never more so than visiting the food pantries in the buildings. Staff members in multiple buildings explained to me how residents, unfortunately, at the end of the month, often don’t have enough money for food. Consequently, these food banks provide vital nutrition for low-income seniors who now don’t have to choose between food and healthcare.
 
According to HUD, the average annual income for a Section 202 household is around $13,300 or $1,108 or a month. Clearly Section 202 residents are not a group of people from great wealth. Given the type of resident these buildings attract, I am saddened a proposal introduced by HUD may RAISE residents’ rental contributions. 

For people reading this blog, you have read correctly! The policy recently proposed by HUD could raise the rent on low-income seniors!   

First the proposal changes how HUD calculates Section 202 rental contributions from 30% of adjusted income to 30% of gross income. Simply put this change will subject more of low-income seniors very limited financial resources to rental contributions. Secondly, the bill is requesting $50 a month minimum for rental contributions. To put this in perspective, this impacts people who make less than $2,000 a year, the exact type of person who the government should be looking to shield from further financial hardship.    

The Administration and some members of Congress argue that government spending is out of control with our country’s debt reaching around $20 trillion dollars. There is no argument that our country’s debt needs to be tackled.  However, addressing our debt on the back of elderly Americans is not acceptable.  How is a better way of governing, one that leaves seniors without a roof over their head?          
                 
The proposed legislation slashes assistance for our most needy seniors by reducing their assistance for affordable housing.  If taking away basic necessities for low-income seniors is required to return our country to greatness, I think the Administration’s definition of greatness is in my humble opinion morally bankrupt! 

​Evan Carmen, Esq. is the Assistant Director for Aging Policy at the B’nai B’rith International Center for Senior Services. He holds a B.A. from American University in political science and a J.D. from New York Law School.  Prior to joining B’nai B’rith International he worked in the Office of Presidential Correspondence for the Obama White House, practiced as an attorney at Covington and Burling, LLP, worked as an aide for New York City Council Member Tony Avella and interned for Congressman Gary Ackerman’s office. Click here to read more from Evan Carmen.

​In December, the Federal Communications Commission (FCC) voted (3 to 2) to repeal net neutrality. Net neutrality is the concept that internet service providers (ISPs) like Verizon, Comcast and AT&T should treat all internet content equally. For example, net neutrality ensures that ISPs cannot charge more money or vary internet speeds based on the type of content you are trying to access. That could be news, social media, streaming video or the website of a business or friend. 
 
Unfortunately, the FCC’s recent decision to repeal net neutrality could completely undue basic fairness for consumers by allowing ISPs to charge higher rates or vary internet speeds based upon the content users are trying to access. This means ISPs will be able to charge for content you currently receive for free or lower speeds for competitors’ products. 
 
Furthermore, the FCC’s decision flies in the face of the public’s support for net neutrality which has surprising bi-partisan approval. A recent poll conducted by the University of Maryland indicated that 83 percent of respondents favored net neutrality. Breaking down the numbers even further, support for net neutrality was discovered amongst 89 percent of Democrats, 75 percent of Republicans and 86 percent of Independents. 
 
While many associate this problem with younger individuals, older Americans will also feel the negative impact from the FCC’s decision. Research demonstrates that seniors actively use the web, with 67 percent of Americans 65 or older using the internet regularly. Taken one step further, 76 percent of seniors who use the internet do so at least once a day. Given how vital the internet is for so many seniors, it’s clear that the FCC’s decision to repeal net neutrality will have an impact on their daily lives.
           
Most importantly, older Americans have started to use the internet to gain better access to health care. Telemedicine and telehealth allows for patient monitoring, video chatting with doctors and an easier ability for physicians and their patients to transfer medical information. People are able to get the medical attention they need without having to travel long distances, which can too often be a daunting challenge for seniors in rural communities. According to the 2015 American Hospital Association report, 20 percent of Americans are from rural areas “where many do not have access to primary care or specialist services.” Older Americans in rural areas with chronic health conditions might find it challenging to travel to physician’s offices because of transportation or mobility issues. The internet has allowed people the ability to get medical attention without the hassle of long travel. However, the FCC’s decision regarding net neutrality could permit ISPs to play favorites between websites; resulting in web based health care services with slower internet times, or leave their customers with costlier bills. 
           
According to Leslie Lenert, chief research information officer at the Medical University of South Carolina, the benefits to telehealth such as direct consultations, medical education and the transfer of medical information from patients personal devices (i.e. heart rate monitors) to physicians, “could be constricted if they were treated differently than preferred traffic .”  Consequently, older Americans might have to spend more money on internet fees to get the identical medical care they received before the FCC’s decision. 
 
The internet has also helped seniors deal with social isolation by giving them an inexpensive way to stay in touch with family and friends. Tragically, eight million individuals over the age of 50 are impacted by isolation. Services like Facebook, FaceTime and Skype allow seniors to stay connected through the internet instead of traditional telephones. Seniors can video chat with grandchildren through FaceTime and Skype, and view pictures of family on Facebook. The FCC’s decision to repeal net neutrality will allow ISPs to potentially charge consumers additional money to use this content which could place an unnecessary financial strain on older Americans for that valuable connection.
 
Too often, low-income seniors have to save pennies just to pay for health care, rent and food.  Seniors living on a limited income should not be forced to absorb another unnecessary hike in their monthly expenditures stemming from more costly internet access. Whether it’s receiving vital medical care or simply staying in touch with family, the internet has made life easier and more enjoyable.
 
However, all is not lost for seniors! Senator Ed Markey (D-Mass.) recently introduced a bill that would overturn the FCC’s decision to repeal net neutrality. The legislation has bi-partisan support in the Senate, and should be endorsed by the White House and members of the House. 
 
Sadly, the FCC’s decision regarding net neutrality may place roadblocks on older Americans ability to access the content they often need and use on the internet. Hopefully Congress and the Trump administration can build on Markey’s legislation and work together to ensure elderly Americans affordable access to the internet.