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Top 5 Reasons Why Seniors are Targets

Each Home Instead Senior Care®franchise office is independently owned and operated. Copyright ©2012 Home Instead, Inc.

Never underestimate the resourcefulness of scammers. Some drive around neighborhoods during the day, looking for older adults working in the yard or getting their mail. Scammers make a note of addresses, return and try to sell the seniors on an unnecessary repair, such as getting their roofs fixed.

Contact local law enforcement if you think someone has scammed your senior or might be trying to do so. For more about protecting your seniors from scammers,

contact your local Home Instead Senior Care® office, or visit ProtectSeniorsFromFraud.com.

Each Home Instead Senior Care®franchise office is independently owned and operated. Copyright ©2012 Home Instead, Inc.

Click on image below to download your Senior
Fraud Protection Kit

Are You Ready?

Tornadoes are nature’s most violent storms. Spawned from powerful thunderstorms, tornadoes can cause fatalities and devastate a neighborhood in seconds. A tornado appears as a rotating, funnel-shaped cloud that extends from a thunderstorm to the ground with whirling winds that can reach 300 miles per hour. Damage paths can be in excess of one mile wide and 50 miles long. Every state is at some risk from this hazard.

Some tornadoes are clearly visible, while rain or nearby low-hanging clouds obscure others. Occasionally, tornadoes develop so rapidly that little, if any, advance warning is possible.

Before a tornado hits, the wind may die down and the air may become very still. A cloud of debris can mark the location of a tornado even if a funnel is not visible. Tornadoes generally occur near the trailing edge of a thunderstorm. It is not uncommon to see clear, sunlit skies behind a tornado.

The following are facts about tornadoes:

• They may strike quickly, with little or no warning.

• They may appear nearly transparent until dust and debris are picked up or a cloud forms in the funnel.

• The average tornado moves Southwest to Northeast, but tornadoes have been known to move in any direction.

• The average forward speed of a tornado is 30 MPH, but may vary from stationary to 70 MPH.

• Tornadoes can accompany tropical storms and hurricanes as they move onto land.

• Waterspouts are tornadoes that form over water.

• Tornadoes are most frequently reported east of the Rocky Mountains during spring and summer months.

• Peak tornado season in the southern states is March through May; in the northern states, it is late spring through early summer.

• Tornadoes are most likely to occur between 3 p.m. and 9 p.m., but can occur at any time.

Before a Tornado
Be alert to changing weather conditions.

• Listen to NOAA Weather Radio or to commercial radio or television newscasts for the latest information.

• Look for approaching storms.

• Look for the following danger signs:

o Dark, often greenish sky

o Large hail

o A large, dark, low-lying cloud (particularly if rotating)

o Loud roar, similar to a freight train.

If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.

During a Tornado
If you are under a tornado WARNING, seek shelter immediately!


Patios - tips for storage, etc

Childrens play areas should be removed from the patio area. Consider building service centers for garden uses, storage and convenient furniture racks can keep a patio uncluttered. Keep cooking centers away from central areas and route traffic around activities and conversation areas.




CONSUMER ALERT: Taylor Orders Unlicensed Ohio Company to Stop Selling Products Potentially Harmful to Consumers

COLUMBUS — Ohio Lieutenant Governor and Department of Insurance Director Mary Taylor has issued cease and desist orders to unlicensed insurance entity My Community Care LLC and its owner Tannile Ortiz for allegedly selling an unlawful product in the state of Ohio. The Hilliard, Ohio based entity and its owner are not authorized to engage in the business of insurance or to provide health insurance coverage in the state.

“This is a company that has not been licensed by the Department to ensure it meets financial safeguards established to protect consumers,” Taylor said. “The company depends solely on membership fees to pay claims from one month to the next and as a result, members who have received health services may be at risk of not having them paid by My Community Care.”

My Community Care is a membership organization that sells its product to individuals and families for a monthly fee. Members are granted access to preventative and health and wellness services including flu shots, travel health, physical exams, and wellness programs through My Community Care’s provider network, according to the entity.

Taylor said the entity and owner have engaged in unfair and deceptive acts in violation of Ohio Revised Code (ORC) section 3901.20 as defined in ORC sections 3901.21(A) and/or 3901.21(B). A hearing to determine whether the cease and desist orders shall be made permanent is currently scheduled for April 24 at 9 a.m. at the Ohio Department of Insurance and is subject to change.

Taylor advises Ohioans to check on the Department's website at www.insurance.ohio.gov or call its consumer hotline at 1-800-686-1526 to make sure an individual and business are licensed to sell insurance in the state.


STAYING SAFE - SENIOR SCAMS

The Delaware County Prosecutor’s Office offers a free publication to help protect seniors against scams. Here are a few tips from the brochure…

• Never sign blank insurance claim forms.

• Ask your doctor’s office what they will charge and what you will be expected to pay out-of-pocket.

• Know if your doctor ordered medical equipment for you and keep accurate records of such orders.

• Do not conduct business with door-to-door salespeople or telemarketers who offer free medical equipment or services.

• Do not respond to unsolicited advertisements.

• Do not trust anyone claiming that you can own a home with no down payment.

• Do not pay for services in advance. Pay for services only after they are delivered or completed.

For the rest of the tips, plus additional information to keep safe, click here to download the free PDF file.

Empty Nester’s Guide to Auto Insurance

Senior discounts!  A senior driver (typically ages 55-70) may be eligible for discounts. However, as the age increases, the possibility of serious accidents also increases, which might eventually eliminate some discounts.

A senior driver may be able to take advantage of several discounts:

    - Discounts may be available for seniors who limit the amount of driving they do. For example, a senior might drive each car less than 7,500 miles per year. When you retire, change jobs and/or work closer to home you may be able to get lower rates since you drive fewer miles.     

    - Discounts may also be available for seniors who agree to drive only during daylight hours.

    - If your children have turned 18, left home and are not regularly driving your car, alert your insurance company since your auto premium may decrease.

    - If you are driving an older car that is not worth much in current book value, you might consider dropping collision insurance. With older cars the cost of collision coverage can exceed the value of the car.

Honing those skills!

Consider taking a senior driving refresher course such as AARP’s “55 Alive” or a program run by the National Institute of Highway Safety or American Automobile Association (AAA). Successful participation in these programs may help you qualify for a discount.

Protecting what is yours!

Your net worth may still be growing, or is at its highest at this stage of your life. Therefore, it might make sense for you to purchase an “umbrella policy,” which will increase your personal liability coverage, including your auto liability coverage. Many seniors obtain up to $1 million of this coverage in order to better protect their assets.

Questions or concerns?

The Ohio Department of Insurance regulates agents and companies that are licensed to sell insurance in our state. The Department’s Consumer Services representatives can answer your insurance questions and investigate your complaints about an insurance company or agent, contact the Department at 1-800-686-1526.  Source: Ohio Department of Insurance

From Lt. Governor / Department of Insurance Director Mary Taylor

Ohio Senior Health Insurance Information Program Guide

This Guide to Medicare Supplement Insurance, Medicare Options and Part D is provided by the Ohio Department of Insurance to give you clear,  unbiased, educational  information  on  your Medicare  insurance options in Ohio.

It provides an overview of the Medicare program in general, and details the specifics of your Medicare Supplemental (MedSup) insurance choices. Information in this comprehensive guide includes Medicare basics, when and how to enroll in original Medicare, choosing a MedSup plan, how to use premium charts, and Medicare prescription drug coverage (Part D). This information is designed to guide you in your Medicare selection and help you compare your policy coverage and cost.

Choosing the right insurance plan is an important decision and the Ohio Department  of  Insurance  is  here  to help.  If  you  have  questions  after reading  this  guide,  please  call  the Department’s  Ohio  Senior  Health Insurance Information Program (OSHIIP) at 1-800-686-1578 or email us at oshiipmail@insurance.ohio.gov.

CLICK HERE TO DOWNLOAD PDF FILE