Protecting those with dementia from scams

Today, 15th June, is World Elder Abuse Day – a day which aims to focus global attention on the problem of physical, emotional, and financial abuse of older generations. The 2017 theme underscores the importance of preventing financial exploitation.

In his guest blog Paul Holland, Principal Prevention Officer with East Renfrewshire Council talks about an upcoming project to develop a preventative approach to protect people with dementia from financial exploitation.


On World Elder Abuse Day it is important to recognise tackling scams and protecting older people from financial harm as a big part of promoting a good later life for all. This is something I am very much aware of in my role in The Prevention Team for East Renfrewshire Council.  I have seen the terrible consequences of older people being the victims of scams, but I’ve also seen the benefits to older people of taking relatively simple measures to protect them from nuisance calls and scammers.

Seeing the benefits to older people of protecting them from scammers made me determined to ensure that more is done throughout Scotland to protect vulnerable people from financial abuse. That’s why I am delighted to be the Co-Ordinator of a new project funded by the Life Changes Trust to work in collaboration with Angus and South Ayrshire Council, to develop a preventative approach to protect people with dementia from financial exploitation. We are also looking forward to working with Age Scotland’s Early Stage Dementia Project to ensure the Charity’s member groups have more information about our work, as it will benefit very many older people and not only people with dementia.

People living with dementia are at great risk of falling prey to scammers and carers are often very worried about how to prevent their relative becoming a victim of a scam, particularly in the early stages of dementia when a person still has capacity but may not always have sufficient understanding to exercise good judgement.

The aim of this project is to offer people with dementia an individualised, person-centred package to safeguard them from financial exploitation, on the doorstep, by telephone, by mail or online.

Each local authority area will bring together local and national organisations to develop and deliver a package of preventive measures, including practical solutions and various types of useful technology, for example, call blockers. Call blockers screen incoming phone calls and either block any unknown or unauthorised numbers or transfer them to a nominated family member or guardian.

It’s vital that all adults know about what can be done to protect themselves from scams, particularly older adults, as unfortunately it is often older people who are targeted, and scammers are becoming increasing sophisticated. You can find out more about our activity to stop scams on our website. This provides advice if you are worried that you, a friend or a relative may be vulnerable to scams; tired of cold callers at the door and on the phone; looking to hire reputable traders; or want to know how to keep safe and secure in the home and online.

Over the course of our project we are also looking forward to developing more advice and information for the Charity’s member groups. Working together there is a lot we can do to stop the scammers and ensure that there are fewer victims of financial abuse.

If you have been a victim of a scam or want advice about a suspicious contact telephone Citizens Advice Consumer Service on 03454 040506.  If in doubt check it out!

 

 

 

Now & Next: Planning for later life with Age Scotland

Age Scotland’s chief exec Brian Sloan explains why to truly love later life, you have to be prepared, as we launch our new brand for those aged 50-65.


 

“You get training at every stage in life except for retirement”. This was the opening line by Helen, a volunteer who was running a Planning for Your Future workshop, and around the room you could see the sentiment resonating.

Brian_Sloan

You go to school to train for college or work. Once in work, you never stop training to keep abreast of health and safety, company policy or any of the myriad of ways that help you to do your job. Yet when you retire, you’re given your leaving present and off you go. For most people, this means going from a structured 40 hour week to absolutely nothing; you’ve looked forward to retirement for years, now off you go and do it. Yet retirement isn’t a thing you can just do, and that’s where Age Scotland can help.

In July 2014, the former Scottish Pre-retirement Council and the Tayside Pre-retirement Council joined forces with Age Scotland. Since then, we have been offering Planning for Your Future workshops aimed at the 50-65 age demographic. It might be a bit of a stretch to get your head around but an older people’s charity was after a younger demographic! Up until that point, Age Scotland was seen as a charity for the over 65s, but to truly love later life then you need to start planning well before then. So we gave the format a revamp to make it more interactive, relevant and thought provoking for today’s 21st century 50-65 year old and created Now & Next as the brand identity to speak to this audience.

Now and Next

When I’ve been along to workshops, I hear so many people say they that they had hopes for retirement but were not sure how to achieve them. And whilst these workshops can’t promise to make your dreams come true, they can at least help you plan a course of action to achieving them. Whether it is financial, legal or health goals, if you only start planning the day before you retire you’re setting yourself up for a fall.

Helen is one of the volunteers that helps to facilitate the "Planning for Later Life" workshops.

Helen is one of our volunteers that helps to facilitate the “Planning for Later Life” workshops. Click here to find out more.

What’s more important is that planning for later life is not just about you. Living a balanced, happy and healthy retirement means you can improve the quality of life of those around you. Looking after grandkids, supporting your children or giving back to your community, later life should be the time you do what you want to do, so get on and plan it! If you want to know more about Now & Next visit our website, nowandnext.scot or watch Helen’s story (above). She’s one of the many volunteers who run our workshops, someone who has learned from the mistakes she made by not planning more carefully in advance and wants to help others step positively into their next life stage.


 

If you would like to find out more about Now and Next or the Planning for Later Life courses, just contact Stacey Kitzinger on stacey.kitzinger@agescotland.org.uk or call 0333 32 32 400.

“Disability Benefits” – March’s Hot Tips

Our free calendar “Hot Tips” aims to ensure everyone in Scotland knows about the organisations and services available to them, and how to make the most of later life.

March’s theme is “Disability Benefits” and aims to give a brief overview of the main disability benefits available to older people in Scotland. In this blog, Heather Smith, Age Scotland’s Information and Advice Manager, explains why this time of year is a good time to check your benefit entitlement. 


For benefits advisers, Easter isn’t just the time to eat chocolate, it’s also time to look at changes to benefit rates and encourage people to check their entitlements, as benefit rates change a little in the new financial year. Many older people do not claim the benefits they are entitled to, perhaps because of pride, or the negative stereotypes of “benefit claimants” in some media or because they have not understood the intricacies of rules and regulations. Some media outlets also try to stir up disputes between generations by saying that older people are “well off” – some older people are, but others have had difficult lives where the idea of saving for the future had to take second place to day-to-day budgeting to pay everyday bills and expenses.

The main benefits for older people are State Retirement Pension, Pension Credit and Attendance Allowance.

State Pension

There is still some confusion about State Pension Age. This used to be 60 for a woman and 65 for a man, but the age for women is increasing fast and is now 62 ½, which can be a shock to a woman who in the context of a busy life has not kept an eye on welfare reform changes. The main change at 60 is now the “entitlement card” for concessionary travel, which in Scotland is not tied to the changes in State Pension Age.  There will be changes to State Pension in April 2016 when the rate will become “single tier” and number of qualifying years will change – this doesn’t affect anyone who is already getting their state pension.

Pension Credit

The age for anyone claiming Pension Credit is pinned to the increases in State Pension Age for a woman, so many people may be unsure about when they can claim. Our helpline Silver Line Scotland can track down the relevant date for you and help you to have a look at whether your income, capital and other circumstances mean that you are eligible to make a claim. Call them for free on 0800 4 70 80 90.

Attendance Allowance

Attendance Allowance is the benefit for people who are 65 or over who need help with care or supervision. Many older people who could be entitled do not make a claim because they want to feel independent or they are just getting by without help. Others who do claim may not explain their needs effectively. They may have made gradual adjustments to their expectations as their health has deteriorated and their need for care has increased.

Attendance Allowance is based on the care you need, not the care you actually have. It can be claimed regardless of your income and capital, and you can spend it how you choose to. For those aged under 65, there is a different benefit called Personal Independence Payment.

From the calls we have had to our helpline, Age Scotland knows that many people like to have the facts about benefits clear in their own minds before talking to an adviser or making a claim for benefit. If you think or someone close to you may be entitled to make a claim, get in touch and a Silver Line Scotland Adviser can talk you through your right, on 0800 4 70 80 90.

Download your 2015 Hot Tips Calendar here and get information and advice throughout the year. Here’s what you’ve thought about Hot Tips so far:

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