Is it Fraud or is it Memorex?
Kathryn’s husband had just passed away and she moved back to Brooklyn from Florida. She didn’t know anything about her financial situation because her husband dealt with all of that. A cousin recommended her ‘broker’. The nice young man drove Kathryn to her bank where he directed her to cash out her entire account and then walked off with the cash. Kathryn didn’t know if this was how it usually worked, but she knew her cousin said the ‘broker’ made her a lot of money. This could have been another kind of story if the money had just disappeared, but thankfully that didn’t happen. About a month later, she started to get big envelopes in the mail, but couldn’t make heads nor tails of what they said. She called the ‘broker,’ but he would just say he was taking care of it. Then, she heard a presentation by a ‘Financial Planner’ and decided to let her take a look at the papers. The Financial Planner explained that some of the money, about $100,000 had been put into a ‘Real Estate Investment Trust,’ which currently had no market, so that the investment was secure but Kathryn could not get access to it. Another $200,000, had been placed in two ‘Variable Annuities,’ that came due in 2025, when Kathryn would be 100 years old. If she wanted access to any of that money before that, she would lose a large portion of her savings.
George Fehling, Daily Money Manager recommends reporting this kind of activity to FINRA. The Financial Industry Regulatory Authority (FINRA) is the largest independent regulator for all securities firms doing business in the United States. FINRA’s mission is to protect America’s investors by making sure the securities industry operates fairly and honestly. All told, FINRA oversees about 4,250 brokerage firms, about 162,065 branch offices and approximately 629,805 registered securities representatives. http://www.finra.org George Fehling has been a Public Arbitrator – FINRA since 1993.
Fraud is something that should certainly be investigated and punished, however, not every case of financial hardship is caused by fraud. Sometimes, the issue is greed, folly or just not understanding what is being presented. As more people wait to make important financial decisions until they are in their 70′s and 80′s, we will likely hear more stories of poor investment choices.
On the advice of a Financial Planner who was also a distant relative, 83 year old Amy and her husband purchased a 10 year irrevocable annuity with the proceeds of the sale of their home. The annuity provided them with $30,000 a year in income. That, together with their social security and pensions assured them a nice lifestyle for their retirement. Or so they thought. A few years ago, Fred had a heart attack and was confined to a wheelchair requiring a full time aide. Amy took over paying the bills out of the one checking account, which held their social security and pension incomes. With another bank account, which held the balance of their savings, about $300,000, she made little gifts to her children and grandchildren. Within the past three years, everything but a few thousand dollars was gone out of that account. Fred had almost finished spending down to qualify for Medicaid home care, when hurricane Sandy sent him to the nursing home. Because the annuity is considered an asset, Fred does not qualify for Institutional Medicaid. The nursing home bills began piling up and Amy saw no other option than to ask her children for the gift money back. George Fehling, Daily Money Manager set up a meeting with the couples Financial Planner, who came armed with his notes about the process he took to advise Amy and Fred. It seems they were warned in writing that their strategy had many risks. The risk they chose to take was to put too much of their net worth into a long range plan that was meant to protect the assets for the children, but did nothing to provide them with a safety net. When confronted with the fact that they were warned about this, Amy said, “Oh, I forgot about that.”
NYS Senator Kirsten Gillibrand has a plan that would crack down on financial fraud against seniors, and empower more seniors with the knowledge and resources they need to protect their savings. “To combat fraud and protect seniors, U.S. Senator Kirsten Gillibrand has a plan to crack down on financial fraud against seniors, increase penalties on those scamming seniors, increase awareness of criminal tactics, and hold workshops across New York on financial literacy to empower seniors to protect themselves and their life savings. A new report from Senator Gillibrand’s office estimates that over half a million New York seniors fall victim to consumer fraud each year.”
“Seniors have spent a lifetime saving and preparing for the golden years, and they deserve financial security and peace of mind,” Senator Gillibrand said. “But far too many seniors are being lured into bad investments, and getting scammed by criminals out of their savings and benefits. Seniors should have confidence that their savings and investments are in the hands of real experts, not criminals. My plan will give states the resources they need to protect seniors, increase penalties to crack down on fraud, and empower seniors to protect themselves.”
According to estimates from to the Federal Trade Commission (FTC), 1 out of 5 seniors fall victim to fraud. And a new report from Senator Gillibrand estimates that approximately half a million New York seniors have fallen victim to consumer fraud – losing approximately $180 million. READ Senator Gillibrand’s full report on the amount of New York seniors falling victim to fraud. http://www.gillibrand.senate.gov/imo/media/doc/Senior%20Fraud%20Report.pdf”
A Daily Money Manager can help you to review your current investments to see if they are adequate to cover your current position. George Fehling, Daily Money Manager has many resources to help you find the appropriate professional advice from industry experts. Daily Money Managers do not provide investment advice. Call George for a no obligation consultation at 718-605-2626.
My phone’s not working! Again…
How many times have you called and you hear the phone get picked up, but then no one is on the line. You can hear the television in the background, you’re yelling into the phone, “Mom, it’s me!” But, no one is answering. Now, you hang up and try to call again, but the phone is busy, and stays that way until you go by the house the next day, only to find the phone either, just a little bit off the hook or buried under the couch cushion. You ask your mother why she didn’t answer. “That phone doesn’t work” she says. You’ve already had Verizon out there five times and there is nothing wrong with the line. So, either it’s time to get some help in the house, or maybe it’s time for a new phone.
Big number phones have been around for a while, but there are some new phone ideas that might be helpful for people who have more than vision problems.
This is a corded phone, a handheld phone and an alert system all in one, for seniors. No monthly charge for alert system. http://www.vtechphones.com/vtechphones/index.cfm/careline/careline-home-safety-telephone-system/?gclid=CKbUzt6X7bUCFYWo4Aod_S0AfA
These are phones for the hearing impaired. Using a corded phone is easier than trying to look for the button to push when a call comes in or the one to push when the call is over. http://clarity.factoryoutletstore.com
Here is something that might take care of the problem and you can add it to the cheap phone.These are just some of the ways new technology can help you to stay independent. We have no financial interest in the products mentioned. We are just interested in getting the word out about products that we feel will enhance the quallity of life of our senior population and will continue to do so as items come to our knowledge.
Elders without family
I’ve been coming across more people who do not have any family or friends to help them. Usually they are referred to me by people who know them and realize that something is very wrong, but they don’t know what it is.
Lois is a 90 year old volunteer who frequently visits the 100 year old residents of an assisted living facility. During the past several years, she presented as capable of handling her own affairs and living in the present. Lois was always accompanied by an aide, who she said she needed because she had an injury to her spine. Recently, the aide told Lois that she would be leaving soon. This led Lois to contact me in regards to her options for staying at home or perhaps going to an assisted living facility. She was concerned that she did not have enough money for either, and was asking if I could help her to get Veteran’s Benefits, since her husband had served in the military. I was accompanied to this home visit by Caryn Isaacs, Patient Advocate who had previously spoken to Lois on the phone about her needs.
As happens, when people feel lost and are asking for help, they do not hold back for the sake of privacy concerns. Rather, they want their story to be heard to see if there is anyone out there who can help them. Lois began by telling me a horrific tale of physical and mental abuse perpetrated upon her by her daughter. After raising her daughter’s two children and sending them through college, the daughter punched and pushed her down, causing the spine injury that now gave her continuous pain. Then the daughter emptied the bank vault while Lois was in the hospital with the spine injury. Lois said she didn’t report the incident because ‘a mother doesn’t send her daughter to jail’. Her solution was to cut off communications with her daughter, who she said was not allowing the grandchildren, now grown with children of their own, to visit her either.
Even though she hadn’t spoken to any of them in years, she still wanted to leave whatever she had left to her grandchildren, even at the expense of her own comfort. She insisted that she would probably have to go to a nursing home on Medicaid if the VA would not assist her.
I gave her what sympathy I could and suggested we get down to the matter at hand, which was to determine her financial situation to see if she might be entitled to a Veteran’s Aid and Atttendance Pension or any other financial assistance. Lois continued to bring up money that she had been given and money that she had spent in the distant past. The only money she said she spent on herself was the monthly cash she gave to the ‘illegal’ who lived with her and helped her with her daily needs.
Finally, she showed me her bank statements and 1099′s which had just arrived since it is close to tax time. What I saw, was not what I expected. Lois had a substantial ammount of money in various checking and savings accounts, certainly enough to allow her to live at home with qualified attendants, or to move to a private assisted living facility and live out her life in comfort and safety. When I told her this, she said she was not aware of how much she had, although others had told her the same thing. She said that she relied on going in to the banks in the neighborhood to ask them how to keep the money safe. She also said she did not have a will or power of attorney, nor had she consulted an attorney at any time as others had suggested.
The problem I saw was that in each account, Lois was listed as the sole owner. I tried to explain to her that she had not protected the money for her grandchildren by having these types of accounts and that by paying the aide off the books, she was now not qualified for any type of assistance. I suggested that she retain an attorney who could advise her on the best way to protect her assets, while allowing her to either stay at home or move to assisted living, whichever was her preference. I suggested that some of the things she should discuss with the attorney were creating a trust to protect the assets she wanted to give to her grandchildren and funding the trust with the bank accounts so that they would pass to the grandchildren without probate.
Lois became extremely upset and said that was not what she wanted. She said that she did not want to do anything illegal and that her grandchildren should be happy if they got anything and that the government could take it all and put her in a nursing home. She even suggested that the assisted living facility could take all her money and then put her on Medicaid, even though I explained that they only charge for rent and services and would not accept a lump sum. She seemed to have mixed up things she heard about people going to a nursing home and winding up spending down to go on Medicaid, with what would happen if she directed her own care and chose to stay at home or go to a private facility. There was nothing I could do to assure her that no one was forcing her into a nursing home, or that her assets would be enough for her to have choices. She continued to go back and forth from asking me to help her stay at home, to help her move to the assisted living and then over to threatening to go to the banks, take out all the money and mail it to her granchildren who should spend it on themselves.
Now, here’s where the story goes off in the direction of wondering if Lois should be allowed to continue making decisions that were obviously not going to get her the results she desired and may even put her in danger. Is there is a duty to report the situation to some agency that could access her needs? It is always considered a last resort to call in the authorities and remove the persons rights by imposing a guardian, especially when that person has asked you for help. I was able to get Lois to call a friend who was aware of her situation and who had also recommended that she consult an attorney. Lois said she wanted this friend to act as Power of Attorney, but then said she did not want the friend to know anything about her finances and only wanted her to handle things after she had passed. When I tried to explain that this was not the purpose of a Power of Attorney, Lois went back to saying she was going to go to the banks to take out all the money and either give it all to an assisted living facility or send it to the grandchildren. I decided to leave at this point leaving the last suggestion, “Do not do anything at the banks until you speak to an attorney.” I told her that I would be happy to give her a referral or she should ask someone she knows for an Elder Law Attorney.
Sometimes you can laugh at what people say and sometimes they can make you cry, but when do you know that it is time to act?
Using a lift, a single caregiver can quickly, safely and easily assist a person lying on the floor, unable to get up on their own


An article in the NY Times this weekend talks about the lack of training for family caregivers.
Here’s a story many of you may find familiar. Dad slides out of bed and winds up on the floor. Mom and the aide try, but can’t get Dad up. They call their son, he drives over and tries, but cannot get Dad off the floor either. Finally, you call the police. They come right over and help Dad back onto the bed, but this time they say you will need to sign a paper saying that you understand that he is at risk, since this is the third time you’ve called in as many weeks. Your back is aching and the aide is complaining about hers as well. Does this mean it’s time for a nursing home? All Dad may need is the proper lift.
There are brand new kinds of assistive devices that are easy to use and store. These are made for home use so that a single caregiver can quickly, safely and easily assist a person lying on the floor or lying in bed, unable to get up on their own. In a secure and comfortable way, they lift the user up into a seated position, ready for rising or transferring to a wheelchair or bed. They operate silently, no assembly is required, there are no batteries that need charging and the user instructions are always available right on the product.
Call us for a no obligation quote. 718-605-2626 or email us at info@rampsforliving.com
FEMA not addressing needs of disabled after Sandy
Deaf Staten Island Hurricane Sandy victim struggles to get interpretive services from FEMA.
By Deborah Young/Staten Island Advance
on December 08, 2012 at 6:02 AM, updated December 08, 2012 at 6:40 AM
Carol Lazorisak’s Oakwood Beach home was destroyed by Hurricane Sandy. Adding to her frustration is the fact that adequate interpreter services from FEMA, the city and at public meetings relating to the disaster have not been made available, says Ms. Lazorisak, who has been Deaf since birth. Watch video
STATEN ISLAND, N.Y. — When police with megaphones rolled through Carol Lazorisak’s Oakwood Beach neighborhood in the hours before the hurricane thrust ashore, she did not hear their announcement about evacuation help.
In the days after the surge ripped her Tarlton Street home off its foundation, filled it with water to a depth of 5 feet and tossed her shed nearly a block away, she joined the thousands of other dazed victims at Miller Field in New Dorp, seeking some answers and a measure of comfort.
But for Ms. Lazorisak, who has been deaf since birth, walking through the bustling relief center was like being in a movie on silent. There were no signs providing information for the deaf or directing people to translation services. She left feeling more isolated than ever.
“I am extremely frustrated because of the lack of communication, the lack of help, the lack of information. I was left lost and in the dark for the first two weeks after Sandy destroyed my home,” said Ms. Lazorisak, as her friend Marybeth Imsho translated from American Sign Language — a service she has provided during virtually every face-to-face meeting with FEMA or city agencies, and at the borough president’s town hall meeting last month — where no interpreter was provided for nearly a dozen deaf audience members. “My home is going to be demolished by the city in the next week and I need information.”
Ms. Lazorisak — an Advance Woman of Achievement and a professor at Hunter College — understands the urgency of communication, especially during crises like Sandy, and the requirements of the American with Disabilities Act that everyone have equal access to services.
Even before Sandy hit, she lectured to municipalities on how to assist the hearing-impaired before, during and after natural disasters: In other words, how to avoid meting out the kind of treatment she said she has received at the hands of FEMA and the city.
“Now I’m the one who needs help and nobody has helped me and nobody has helped me on Staten Island,” she said.
Since the storm, she has sometimes used her car as a hotel room on wheels, or spending nights in friends’ homes near the Queens campus where she teaches and on the Island.
Her husband, who is retired and also deaf, left their home for Florida to live with their grown daughter. She plans to join him after she finishes the semester.
“I have nothing left here,” she said of the neighborhood where her family has lived for three generations. “I’m leaving New York.”
Her home of 40 years, which she, her husband and late father painstakingly restored and improved, is covered in grime and smells of growing mold. Cracks in the foundation can be seen in the brand-new bathroom. It cannot be saved.
Ms. Lazorisak said she has received not a penny from the Federal Emergency Management Agency because she has flood insurance. Her insurer has, so far, said it would pay $10,000 of a maximum of $20,000. Her homeowner’s insurance has refused to cover anything.
“My life washed away in five minutes,” she said, recounting what a neighbor told her about how violently the water pushed inland, destroying the whole block within five minutes. “This was a tsunami.”
But the second tragedy came in the form of being shut out by the government and the people who were supposed to help, she said.
When FEMA came to survey the home, she texted that she is deaf but no such person accompanied them during her walk-through.
She gave up on Miller Field after the first meeting, but even at the Hylan Boulevard Center in Dongan Hills, where a sign proclaims interpretative services are available, they simply offered her a computer and told her to make a video call. “I asked them, ‘Where is the interpreter?’ They said, ‘We have these things to use.’ I said, ‘What do you mean?’ They said, ‘Equipment.’ I need a live interpreter, not a piece of equipment.”
She tried to use the video-relay equipment provided, which took 45 minutes to set up, only to be told by an operator that it was for outside calls, not individual meetings. “I lost an hour of time and I only had a five-minute question,” said Ms. Lazorisak. After that frustrating experience, she didn’t return until Ms. Imsho could clear space on her schedule and accompany her friend.
“It’s very emotional. There’s a lot of information. You have to take your own notes. It’s not something you can do while turning to look at a video,” said Ms. Imsho.
The city’s response was hardly better, she said, amounting to mobile devices, which did not work well, or an Internet connection.
“We don’t see the use of the iPad or the use of the video-relay interpreter as the whole solution, but we see it as immediate access to effective communication,” said Marcie Roth, director of FEMA’s office of disability integration and coordination, who could not comment specifically about Ms. Lazorisak’s situation but explained that all recovery centers have computer-assisted technology to allow for conversations to be interpreted.
“We are committed to providing access to effective communication. With the large number of disaster recovery centers open at once, it would be virtually impossible to provide enough interpreters from the moment they opened to the moment they closed each and every day.”
Still, she said, it is possible to call ahead and make an appointment with an interpreter.
Not so, according to Ms. Lazorisak and Ms. Imsho, who detailed how they pleaded with officials simply to provide appointments with interpeters.
Similarly, calls placed to local elected officials days in advance of public meetings to request a sign language interpreter were simply ignored, said Ms. Imsho.
According to FEMA, the agency will supply an interpreter, even if the meeting isn’t their own, if they receive a request in advance.
Although Ms. Roth could not offer a tally of the number of interpreters on call in the New York area, she said there is a staff. At a public municipal meeting on Long Island this week, FEMA provided interpreters, she noted; she promised to follow up with Ms. Lazorisak to explore the disconnect.
Meanwhile, the city sent a statement, reading in part:
“The city strives to meet the needs of the deaf and hard-of-hearing community. For example, as you recall, there were ASL interpreters at the mayor’s daily Hurricane Sandy briefings during the height of the storm. Furthermore, the city’s recovery centers have been instructed to provide this community with reasonable accommodation consistent with the ADA. This accommodation includes making arrangements for an on-site ASL interpreter, writing down instructions, and employing other mechanisms when practicable.”
For now, Ms. Lazorisak is looking forward to Monday’s multi-agency meeting and another, on Dec. 19, with attorneys, sponsored by state Sen. Andrew Lanza.
“We have asked them to provide services,” said Ms. Imsho, who was told they couldn’t help and she should do the interpretation, pro bono.
But she herself has to teach that night at St. John’s University, and cannot be there. “Of course I would volunteer. I’ve volunteered many hours to help. But it’s against the law for them to expect it. It’s their duty to provide equal access to everybody.”
Pay for Emergency Room Visit Upfront
By Kevin B. O’Reilly, amednews staff. Posted Dec. 3, 2012.
New ED drama? Hospitals demand upfront fee for nonemergencies. More are charging patients up to $180 for problems deemed nonemergent. Some doctors say the policy could backfire and harm patients.
Physicians who take after-hours calls from patients often face a difficult decision: Which symptoms can wait for an office visit, and which ones require a trip to the emergency department? Now doctors find these decisions complicated by a troubling, rising trend: Will a trip to the ED mean an upfront charge for a patient if the problem is deemed nonemergent?
At least half of hospitals are making efforts to collect patient co-pays, deductibles or other charges at the time of service in the emergency department, said Richard Gundling, vice president of health care financial practices at the Healthcare Financial Management Assn. The organization has 39,000 members, including chief financial officers and other professionals in health care financing.
Gundling said a smaller but growing number of hospitals give patients whose problems are deemed nonemergent a choice: Pay an initial fee to get the problem treated in the ED, or seek care elsewhere. The fees range from $100 to $180 for uninsured patients, or the relevant co-pay or deductible for insured patients. He said it is unclear how many hospitals are charging ED patients up front for nonemergency care, but he added that hospitals financially squeezed by uncompensated care increasingly are opting for this collections model.
“That’s getting to be more and more common,” Gundling said, “because of overcrowding, and because hospitals tend to be filled with people who are using ERs as a regular physician office. It’s better to tell the patient up front that they have to pay a $150 fee than billing them at the end, when they may not have realized the difference in cost.”
Yet many doctors interviewed for this article found the growing trend alarming. They said it unfairly targets patients with poor access to primary care and is unlikely to alleviate ED crowding because nonurgent problems make up less than 10% of visits. Emergency physicians added that the policy could result in tragedy, because some seemingly nonemergent conditions quickly worsen, and because some patients with life-threatening problems may wrongly decide to steer clear of the ED to avoid pay-first fees.
A Houston hospital that is part of Nashville, Tenn.-based HCA adopted the payment policy in 2004, and it has since spread to nearly half of the chain’s 163 hospitals, said company spokesman Ed Fishbough. Of 6 million ED visits to HCA hospitals in 2011, 80,000 patients with nonemergent problems left without treatment to avoid paying the upfront fee, Fishbough said.
“It has been a successful part of helping to reduce crowding in emergency rooms and to encourage appropriate use of scarce resources,” he added. “This helps ensure that the sickest patients get treated quickly and those who do not have an emergency have access to more efficient, less-costly care settings.”
In November, the Newton Medical Center in Covington, Ga., announced that it would charge $150 to uninsured patients who want treatment for nonemergent conditions and would collect co-pays or deductibles from insured patients. Two other nearby hospitals in Georgia — Clearview Regional Medical Center in Monroe and Rockdale Medical Center in Conyers — have adopted similar policies, a local news report said.
Hospitals implementing the pay-first policy say it complies with the Emergency Medical Treatment and Active Labor Act because all patients receive the federally required medical screening regardless of ability to pay. It is only after a patient’s condition is deemed nonemergent that upfront payment for further treatment in the ED is discussed. Fishbough said HCA hospitals exempt patients who are pregnant or who are younger than 5 or older than 65. He said HCA hospitals typically have a triage nurse and a physician make the determination that a patient’s condition is not emergent.
Some physicians, however, object to the idea. The pay trend is severely misguided, said Arthur L. Kellermann, MD, MPH, who served on an Institute of Medicine emergency care panel and now is a health policy researcher at the RAND Corp., an independent nonprofit think tank.
“People don’t go the ER as a recreational event,” he said. “If you tell me you have an urgent care clinic or walk-in clinic or other places where these people can go straight to, then OK. But to tell someone to just go away if you don’t have $150, you have to be ignoring the fact that if they had somewhere to go they wouldn’t be there in the first place. And you have to be damn sure that this patient doesn’t have a more serious problem.
Half of U.S. hospitals collect patient co-pays, deductibles or other charges at the time of ED service.
“This is putting a Band-Aid on a gunshot wound.”
Andrew E. Sama, MD, president of the American College of Emergency Physicians, also expressed reservations about the upfront-charge policy.
“What I’m worried about is that people are going to have second thoughts about getting serious symptoms evaluated, and that to me is a real compromise,” said Dr. Sama, senior vice president of emergency services at North Shore-Long Island Jewish Health System in Manhasset, N.Y. The hospital does not charge ED patients up front for nonemergent care.
Emergency medicine researchers said charging first for nonurgent care is unlikely to cut wait times significantly or reduce crowding. According to the most recent data from the Centers for Disease Control and Prevention, only 7.7% of ED visits are classified as “nonurgent,” meaning patients would not be harmed by waiting to receive treatment within two to 24 hours for their problems. Meanwhile, a June 20 Annals of Emergency Medicine study found that ED visits rose 15% between 2001 and 2008 and outpaced population growth by 60%. The time spent in the ED — one way to measure crowding — jumped 30%. But that rise was driven by a 23% growth in high-acuity patients who spent 41% more time in the ED undergoing tests and procedures. The number of low-acuity patients grew by only 6%, the study said.
Physicians who take after-hours calls from patients often face a difficult decision: Which symptoms can wait for an office visit, and which ones require a trip to the emergency department? Now doctors find these decisions complicated by a troubling, rising trend: Will a trip to the ED mean an upfront charge for a patient if the problem is deemed nonemergent?
At least half of hospitals are making efforts to collect patient co-pays, deductibles or other charges at the time of service in the emergency department, said Richard Gundling, vice president of health care financial practices at the Healthcare Financial Management Assn. The organization has 39,000 members, including chief financial officers and other professionals in health care financing.
Gundling said a smaller but growing number of hospitals give patients whose problems are deemed nonemergent a choice: Pay an initial fee to get the problem treated in the ED, or seek care elsewhere. The fees range from $100 to $180 for uninsured patients, or the relevant co-pay or deductible for insured patients. He said it is unclear how many hospitals are charging ED patients up front for nonemergency care, but he added that hospitals financially squeezed by uncompensated care increasingly are opting for this collections model.
“That’s getting to be more and more common,” Gundling said, “because of overcrowding, and because hospitals tend to be filled with people who are using ERs as a regular physician office. It’s better to tell the patient up front that they have to pay a $150 fee than billing them at the end, when they may not have realized the difference in cost.”
Yet many doctors interviewed for this article found the growing trend alarming. They said it unfairly targets patients with poor access to primary care and is unlikely to alleviate ED crowding because nonurgent problems make up less than 10% of visits. Emergency physicians added that the policy could result in tragedy, because some seemingly nonemergent conditions quickly worsen, and because some patients with life-threatening problems may wrongly decide to steer clear of the ED to avoid pay-first fees.
80,000 walk away from HCA
A Houston hospital that is part of Nashville, Tenn.-based HCA adopted the payment policy in 2004, and it has since spread to nearly half of the chain’s 163 hospitals, said company spokesman Ed Fishbough. Of 6 million ED visits to HCA hospitals in 2011, 80,000 patients with nonemergent problems left without treatment to avoid paying the upfront fee, Fishbough said.
“It has been a successful part of helping to reduce crowding in emergency rooms and to encourage appropriate use of scarce resources,” he added. “This helps ensure that the sickest patients get treated quickly and those who do not have an emergency have access to more efficient, less-costly care settings.”
In November, the Newton Medical Center in Covington, Ga., announced that it would charge $150 to uninsured patients who want treatment for nonemergent conditions and would collect co-pays or deductibles from insured patients. Two other nearby hospitals in Georgia — Clearview Regional Medical Center in Monroe and Rockdale Medical Center in Conyers — have adopted similar policies, a local news report said.
Hospitals implementing the pay-first policy say it complies with the Emergency Medical Treatment and Active Labor Act because all patients receive the federally required medical screening regardless of ability to pay. It is only after a patient’s condition is deemed nonemergent that upfront payment for further treatment in the ED is discussed. Fishbough said HCA hospitals exempt patients who are pregnant or who are younger than 5 or older than 65. He said HCA hospitals typically have a triage nurse and a physician make the determination that a patient’s condition is not emergent.
Fear of unintended consequences
Some physicians, however, object to the idea. The pay trend is severely misguided, said Arthur L. Kellermann, MD, MPH, who served on an Institute of Medicine emergency care panel and now is a health policy researcher at the RAND Corp., an independent nonprofit think tank.
“People don’t go the ER as a recreational event,” he said. “If you tell me you have an urgent care clinic or walk-in clinic or other places where these people can go straight to, then OK. But to tell someone to just go away if you don’t have $150, you have to be ignoring the fact that if they had somewhere to go they wouldn’t be there in the first place. And you have to be damn sure that this patient doesn’t have a more serious problem.
Half of U.S. hospitals collect patient co-pays, deductibles or other charges at the time of ED service.
“This is putting a Band-Aid on a gunshot wound.”
Andrew E. Sama, MD, president of the American College of Emergency Physicians, also expressed reservations about the upfront-charge policy.
“What I’m worried about is that people are going to have second thoughts about getting serious symptoms evaluated, and that to me is a real compromise,” said Dr. Sama, senior vice president of emergency services at North Shore-Long Island Jewish Health System in Manhasset, N.Y. The hospital does not charge ED patients up front for nonemergent care.
Emergency medicine researchers said charging first for nonurgent care is unlikely to cut wait times significantly or reduce crowding. According to the most recent data from the Centers for Disease Control and Prevention, only 7.7% of ED visits are classified as “nonurgent,” meaning patients would not be harmed by waiting to receive treatment within two to 24 hours for their problems. Meanwhile, a June 20 Annals of Emergency Medicine study found that ED visits rose 15% between 2001 and 2008 and outpaced population growth by 60%. The time spent in the ED — one way to measure crowding — jumped 30%. But that rise was driven by a 23% growth in high-acuity patients who spent 41% more time in the ED undergoing tests and procedures. The number of low-acuity patients grew by only 6%, the study said.
Physicians who take after-hours calls from patients often face a difficult decision: Which symptoms can wait for an office visit, and which ones require a trip to the emergency department? Now doctors find these decisions complicated by a troubling, rising trend: Will a trip to the ED mean an upfront charge for a patient if the problem is deemed nonemergent?
At least half of hospitals are making efforts to collect patient co-pays, deductibles or other charges at the time of service in the emergency department, said Richard Gundling, vice president of health care financial practices at the Healthcare Financial Management Assn. The organization has 39,000 members, including chief financial officers and other professionals in health care financing.
Gundling said a smaller but growing number of hospitals give patients whose problems are deemed nonemergent a choice: Pay an initial fee to get the problem treated in the ED, or seek care elsewhere. The fees range from $100 to $180 for uninsured patients, or the relevant co-pay or deductible for insured patients. He said it is unclear how many hospitals are charging ED patients up front for nonemergency care, but he added that hospitals financially squeezed by uncompensated care increasingly are opting for this collections model.
“That’s getting to be more and more common,” Gundling said, “because of overcrowding, and because hospitals tend to be filled with people who are using ERs as a regular physician office. It’s better to tell the patient up front that they have to pay a $150 fee than billing them at the end, when they may not have realized the difference in cost.”
Yet many doctors interviewed for this article found the growing trend alarming. They said it unfairly targets patients with poor access to primary care and is unlikely to alleviate ED crowding because nonurgent problems make up less than 10% of visits. Emergency physicians added that the policy could result in tragedy, because some seemingly nonemergent conditions quickly worsen, and because some patients with life-threatening problems may wrongly decide to steer clear of the ED to avoid pay-first fees.
80,000 walk away from HCA
A Houston hospital that is part of Nashville, Tenn.-based HCA adopted the payment policy in 2004, and it has since spread to nearly half of the chain’s 163 hospitals, said company spokesman Ed Fishbough. Of 6 million ED visits to HCA hospitals in 2011, 80,000 patients with nonemergent problems left without treatment to avoid paying the upfront fee, Fishbough said.
“It has been a successful part of helping to reduce crowding in emergency rooms and to encourage appropriate use of scarce resources,” he added. “This helps ensure that the sickest patients get treated quickly and those who do not have an emergency have access to more efficient, less-costly care settings.”
In November, the Newton Medical Center in Covington, Ga., announced that it would charge $150 to uninsured patients who want treatment for nonemergent conditions and would collect co-pays or deductibles from insured patients. Two other nearby hospitals in Georgia — Clearview Regional Medical Center in Monroe and Rockdale Medical Center in Conyers — have adopted similar policies, a local news report said.
Hospitals implementing the pay-first policy say it complies with the Emergency Medical Treatment and Active Labor Act because all patients receive the federally required medical screening regardless of ability to pay. It is only after a patient’s condition is deemed nonemergent that upfront payment for further treatment in the ED is discussed. Fishbough said HCA hospitals exempt patients who are pregnant or who are younger than 5 or older than 65. He said HCA hospitals typically have a triage nurse and a physician make the determination that a patient’s condition is not emergent.
Fear of unintended consequences
Some physicians, however, object to the idea. The pay trend is severely misguided, said Arthur L. Kellermann, MD, MPH, who served on an Institute of Medicine emergency care panel and now is a health policy researcher at the RAND Corp., an independent nonprofit think tank.
“People don’t go the ER as a recreational event,” he said. “If you tell me you have an urgent care clinic or walk-in clinic or other places where these people can go straight to, then OK. But to tell someone to just go away if you don’t have $150, you have to be ignoring the fact that if they had somewhere to go they wouldn’t be there in the first place. And you have to be damn sure that this patient doesn’t have a more serious problem.
Half of U.S. hospitals collect patient co-pays, deductibles or other charges at the time of ED service.
“This is putting a Band-Aid on a gunshot wound.”
Andrew E. Sama, MD, president of the American College of Emergency Physicians, also expressed reservations about the upfront-charge policy.
“What I’m worried about is that people are going to have second thoughts about getting serious symptoms evaluated, and that to me is a real compromise,” said Dr. Sama, senior vice president of emergency services at North Shore-Long Island Jewish Health System in Manhasset, N.Y. The hospital does not charge ED patients up front for nonemergent care.
Emergency medicine researchers said charging first for nonurgent care is unlikely to cut wait times significantly or reduce crowding. According to the most recent data from the Centers for Disease Control and Prevention, only 7.7% of ED visits are classified as “nonurgent,” meaning patients would not be harmed by waiting to receive treatment within two to 24 hours for their problems. Meanwhile, a June 20 Annals of Emergency Medicine study found that ED visits rose 15% between 2001 and 2008 and outpaced population growth by 60%. The time spent in the ED — one way to measure crowding — jumped 30%. But that rise was driven by a 23% growth in high-acuity patients who spent 41% more time in the ED undergoing tests and procedures. The number of low-acuity patients grew by only 6%, the study said.
Full Article: http://www.ama-assn.org/amednews/2012/12/03/prl21203.htm
StairLifts work even when there is no electricity.

Many disabled are stuck in Coney Island and other locations where elevators are not working and no time frames are known as to when they will be fixed. Click the picture for the article.
Our 1100 battery operated stairlifts worked normally during the Sandy power outage. We only lost one to the storm surge and that was left by the owner at its lower level when the water arrived suddenly.
George and the crew went out immediately after the storm to service clients affected by Sandy. Some of our owners ran the batteries down with excessive use. This could have been avoided by observing a little restraint in using their chairs while there was no power to recharge the batteries.
Unless you know someone who is already benefitting from using a stairlift you may be a little unsure of what is involved in owning and using a stairlift.
It is a popular misconception that stairlifts are fixed to the wall. This is rarely the case with domestic stairlifts which are usually fitted directly on to the staircase itself.
A stairlift has three basic components. Firstly, a track is fitted to your stairs and a power pack (the drive unit) is fitted to the track. This is the unit that will travel along the track. Then the seat that most suits your needs is fitted to the power pack.
All stairlifts are operated by a switch or toggle that is held in the direction of travel to make the lift move. When it is released the lift will stop moving. 
All Handicare stairlifts are battery powered meaning they can still be used during a power outage. You can operate them yourself, so even if you find yourself alone, you will be able to get up and down the stairs.
Call Ramps/Lifts for Better Living for a no obligation quote 718-605-2626 or email info@rampsforliving.com
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George is out helping people to find and organize the paperwork they need to apply for assistance from FEMA. Click the picture for an article about applying for FEMA after Hurricane Sandy.
How to apply for FEMA Assistance
You can apply for FEMA assistance over the phone or online. In both cases, particularly over the phone, have patience. The system may be overloaded with many people trying to make claims at the same time. And remember, the people working for FEMA are doing their best to help you, extending them your patience and courtesy can go a long way in helping your claim get registered accurately.
When you make your claim, be sure to have the following information ready to make the process go more smoothly:
■Your Social Security number.
■Current and pre-disaster address.
■A telephone number where you can be contacted.
■Insurance information.
■Total household annual income
■A routing and account number from your bank (if you want to have disaster assistance funds transferred directly into your bank account)
■A description of your losses that were caused by the disaster.
You will receive a FEMA claim number. Write this down and keep it! You will need it for future reference! You can make a claim at the FEMA Individual Assistance Center. You may also be eligible for aid from the Small Business Administration if you are a business owner.
To Organize Life’s Details call for a no obligation quote 718-605-2626 or email Info@VitalOrganizationalSystems.com






