{"id":28419,"date":"2019-09-23T11:04:46","date_gmt":"2019-09-23T15:04:46","guid":{"rendered":"https:\/\/www.stetson.edu\/law\/news\/?p=28419"},"modified":"2019-09-23T11:23:37","modified_gmt":"2019-09-23T15:23:37","slug":"stetson-hosted-consumer-protection-fair-with-aarp","status":"publish","type":"post","link":"https:\/\/www2.stetson.edu\/law\/news\/index.php\/2019\/09\/23\/stetson-hosted-consumer-protection-fair-with-aarp\/","title":{"rendered":"Stetson hosted Consumer Protection Fair with AARP"},"content":{"rendered":"\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/AARP_group_3028-1024x727.jpg\" alt=\"AARP volunteers\" class=\"wp-image-28421\" width=\"576\" height=\"408\" srcset=\"https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/AARP_group_3028-1024x727.jpg 1024w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/AARP_group_3028-500x355.jpg 500w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/AARP_group_3028-768x545.jpg 768w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/AARP_group_3028.jpg 1200w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><figcaption>Volunteers from AARP Tampa Bay helped local seniors sign up for the Do Not Call Registry and other services to help block junk mail during the Consumer Protection Fair at Stetson.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThere is no rule book to retiring or getting old,\u201d said Marilyn Izor, a retired nurse from St. Petersburg. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The 70-year-old attended a Consumer Protection Fair on Sept. 11, 2019, at Stetson University College of Law. The school hosted the event in partnership with <a href=\"https:\/\/local.aarp.org\/tampa-bay-fl\/\">AARP Tampa Bay<\/a> as part of AARP\u2019s National Day of Service. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Izor said she\nleft the event armed with plenty of notes and great information to help her on the\n\u201cjourney of getting old.\u201d <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Attendees had\nthe opportunity to shred sensitive documents and consult expert speakers on\nconsumer protection issues, as well as probate, power of attorney and other\nimportant topics.&nbsp; AARP employees helped\nthem sign up for the National Do Not Call Registry and various ways to opt out\nof junk mail. Stetson law students assisted with legal technology training,\nincluding how to spot dangerous email attachments and suspicious web links. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cYou can be\nreally smart and still get caught, so you need to stay informed of the latest\ntricks,\u201d said Jeff Johnson, state director for AARP. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The\norganization hosts multiple service events all around the state, each with a\ndifferent theme. In the Panhandle, for example, they worked on Hurricane\nMichael relief. In Gulfport, the partnership with Stetson made perfect sense,\ngiven the school\u2019s well-known Center for Excellence in Elder Law and strong\nadvocacy programs.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/prof_morgan_3037-1024x683.jpg\" alt=\"Professor Morgan with Detective Brian Kronz\" class=\"wp-image-28420\" srcset=\"https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/prof_morgan_3037-1024x683.jpg 1024w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/prof_morgan_3037-500x333.jpg 500w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/prof_morgan_3037-768x512.jpg 768w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/prof_morgan_3037.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Stetson Professor Rebecca C. Morgan introduces St. Petersburg Police Detective Brian Kronz during the Consumer Protection Fair on Sept. 11, 2019, at Stetson University College of Law. <\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Stay informed<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Detective\nBrian Kronz with the St. Petersburg Police Department was one of the event\nspeakers. A sobering fact from his law enforcement experience: 90 percent of\nthe time when seniors are a victim of theft, it was perpetrated by someone in a\nposition of trust. Home health aides and unscrupulous family members are common\nculprits. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIdentity\ntheft happens every two seconds,\u201d he said, adding that Florida has the largest\nnumber of identity theft victims in the nation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Identity theft is just one of many common crimes committed against the elderly. You can read more about the most popular scams and how to avoid them on the <a href=\"https:\/\/www.aarp.org\/money\/scams-fraud\/info-2015\/scams-and-frauds-to-avoid.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">AARP website<\/a>, but key red flags for exploitation include: unusual bank account activity; missing checks, credit cards, valuables or important documents; an unusual change in beneficiaries; or a new \u201cbest friend\u201d suddenly appearing, Kronz said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seniors can protect themselves by selecting someone with integrity to act as their power of attorney, always speaking with a trusted advisor before making any kind of financial decision, shredding personal documents and mail, regularly checking their credit report via <a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">AnnualCreditReport.com<\/a>, scrutinizing all financial statements, and securing valuable possessions. Kronz also encouraged all seniors to feel free to call their local law enforcement agency if they ever feel unsure about a situation, person or otherwise threatened. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Stop running from aging and make a plan<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Stetson\nalumna Stephanie Edwards, of Edwards Elder Law in St. Petersburg, discussed\ntypes of long-term care, from home health to assisted living to skilled nursing\nfacilities, and how to pay for it. Too many people refuse to think about the\npossibility of needing care and fail to plan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cFate likes\nchaos, and fate likes crisis,\u201d she said. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider\nthese numbers: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Companion care for a few hours during\nthe day can range $18 per hour and up;<\/li><li>Assisted living facilities can cost $2,500\nto $4,000 per month;<\/li><li>Memory care facilities (when the need\nfor physical care is limited but because of dementia or Alzheimer\u2019s, more\nsupervision is needed) can run $3,500 to $5,500 per month; and<\/li><li>Skilled nursing homes can range from\n$8,000 to $12,000 per month.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Seniors\nwithout a plan for long-term care could find themselves facing out-of-pocket\nexpenses that their retirement nest egg doesn\u2019t stretch far enough to cover. Payment\noptions include:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Ensuring have you have enough cash savings set aside;<\/li><li>Buying long-term care insurance (though fewer companies are offering it these days, and it can be expensive); or <\/li><li>Utilizing Medicare or Medicaid when the time comes.<\/li><li>The VA also has a <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.va.gov\/pension\/aid-attendance-housebound\/\" target=\"_blank\">VA Aid and Attendance program<\/a> for wartime vets and their surviving spouse \u2013 something not many know about. Stetson\u2019s <a href=\"https:\/\/www.stetson.edu\/law\/veterans\/legal-help-for-veterans.php\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Veterans Advocacy Clinic<\/a> may be able to help eligible veterans apply.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Many people\nfind they fall between making too much for qualify for Medicaid, but they don\u2019t\nhave enough in savings to pay for private care, Edwards said. The VA and other\ngovernment programs have strict rules regarding how to protect your financial\nassets while still qualifying for services. An experienced attorney can help\nyou navigate these programs and plan for the future. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/audience_3030-1024x683.jpg\" alt=\"photo of audience members\" class=\"wp-image-28423\" srcset=\"https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/audience_3030-1024x683.jpg 1024w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/audience_3030-500x333.jpg 500w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/audience_3030-768x512.jpg 768w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/audience_3030.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>The Consumer Protection Fair at Stetson University College of Law drew about 50 seniors from the Tampa Bay community, as well as representatives from Pinellas County Government, Bay Area Legal Services, and the Attorney General&#8217;s Office.<\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Get comfortable with uncomfortable conversations<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Stetson alumnus\nWill Lucius, director of Special Needs Trust at Raymond James, agreed that most\npeople are more concerned about what happens to their assets after death and\nfail to plan for care they may need while still alive. That includes not only\nfunds, but a legal plan that identifies someone to make financial and health\ncare decisions for you should you become unable to do so. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Power of\nAttorney for finances generally grants authority to an agent to act on your\nbehalf for financial decisions. It is important to select someone trustworthy\nand ethical, not just default to your oldest child, for example, especially if\nhe or she has a history of bad financial decisions. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cFinancial\nPower of Attorney is a very good tool to have,\u201d Lucius said, adding an\nimportant caveat: \u201cIt really can be a license to steal if it\u2019s in the wrong\nhands.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">People who\ndon\u2019t have a valid durable power of attorney and become unable to make their\nfinancial health care decisions could find a court-appointed guardian or\nconservator charged with making their financial and health care decisions. Other\noptions include trusts and joint ownership. An attorney who specializes in\nestate planning can help you identify and plan for your future needs. The worst\nalternative is having no plan at all, he said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Be wary of\npremade online forms granting Power of Attorney or other legal rights, as they\nmay not be right for your particular needs and need to be signed and witness\nproperly. A licensed attorney should always review such documents to ensure\nthey are valid. Wills, advanced health care directives, and Power of Attorney\ndocuments should be kept in a secure place, but you should also be sure a\ntrusted family member knows where they can be found when the time comes. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBe sure to\ndiscuss your plans with your loved ones so they know your wishes,\u201d he said.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/mock_trial_3084-1024x683.jpg\" alt=\"mock trial \" class=\"wp-image-28422\" srcset=\"https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/mock_trial_3084-1024x683.jpg 1024w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/mock_trial_3084-500x333.jpg 500w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/mock_trial_3084-768x512.jpg 768w, https:\/\/www2.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/mock_trial_3084.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>A student on Stetson&#8217;s Trial Team questioned the &#8220;witness&#8221; (a.k.a. Professor Julia Metts) during a mock trial as part of the event.<\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Don&#8217;t be afraid to report suspicious activity<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">To round out\nthe day, members of Stetson\u2019s prestigious Trial Team conducted a mock trial for\nthe audience that simulated a common scam on the elderly. <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The <strong>scenario<\/strong>: a direct mailing\ncompany owner was on trial for mail fraud. He designed, printed and distributed\na flier informing recipients they had won a free car. In reality, when people\ndialed the number, they were coerced into divulging their personal information\nand then swindled for money. <\/li><li>The <strong>questions<\/strong> posed by the\nsimulated court proceedings: Was the mailing company owner at fault? Was he\npart of a greater scheme? Or should only the people behind the scam be held\naccountable? <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Interestingly,\nevent attendees acting as the jury found the company owner not guilty. They\nplaced blame with the faceless people who perpetrated the scam. But as Stetson\nlaw professors Robert Flowers and Julie Metts pointed out, while the company\nowner may not have been directly responsible for people getting swindled, he\nplayed a role. Reporting his involvement to law enforcement gives them one more\npiece of the puzzle, one more clue to be able to track down the real guilty\nparties. Not only that, but it helps law enforcement and legal officials create\na database of information that could help solve future crimes.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The <strong>lesson<\/strong> for seniors: Even if\nyour individual case is not solved, the information from it may lead to arrests\nand prosecution in the future, so don\u2019t hesitate to report the information to\nlaw enforcement, no matter how small or embarrassing it may seem. <\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u201cThere is no rule book to retiring or getting old,\u201d said Marilyn Izor, a retired nurse from St. Petersburg. The 70-year-old attended a Consumer Protection Fair on Sept. 11, 2019, at Stetson University College of Law. The school hosted the event in partnership with AARP Tampa Bay as part of AARP\u2019s National Day of Service. [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,2401,177],"class_list":["post-28419","post","type-post","status-publish","format-standard","hentry","category-news-1","tag-center-for-excellence-in-elder-law","tag-consumer-protection-fair","tag-elder-law"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stetson hosted Consumer Protection Fair with AARP - Stetson Law News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www2.stetson.edu\/law\/news\/index.php\/2019\/09\/23\/stetson-hosted-consumer-protection-fair-with-aarp\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stetson hosted Consumer Protection Fair with AARP - Stetson Law News\" \/>\n<meta property=\"og:description\" content=\"\u201cThere is no rule book to retiring or getting old,\u201d said Marilyn Izor, a retired nurse from St. Petersburg. The 70-year-old attended a Consumer Protection Fair on Sept. 11, 2019, at Stetson University College of Law. The school hosted the event in partnership with AARP Tampa Bay as part of AARP\u2019s National Day of Service. [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www2.stetson.edu\/law\/news\/index.php\/2019\/09\/23\/stetson-hosted-consumer-protection-fair-with-aarp\/\" \/>\n<meta property=\"og:site_name\" content=\"Stetson Law News\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-23T15:04:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-09-23T15:23:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.stetson.edu\/law\/news\/wp-content\/uploads\/2019\/09\/AARP_group_3028-1024x727.jpg\" \/>\n<meta name=\"author\" content=\"Ashley McKnight-Taylor\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ashley McKnight-Taylor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www2.stetson.edu\\\/law\\\/news\\\/index.php\\\/2019\\\/09\\\/23\\\/stetson-hosted-consumer-protection-fair-with-aarp\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www2.stetson.edu\\\/law\\\/news\\\/index.php\\\/2019\\\/09\\\/23\\\/stetson-hosted-consumer-protection-fair-with-aarp\\\/\"},\"author\":{\"name\":\"Ashley McKnight-Taylor\",\"@id\":\"https:\\\/\\\/www2.stetson.edu\\\/law\\\/news\\\/#\\\/schema\\\/person\\\/0fac07473b375fbe8b453c4576be5344\"},\"headline\":\"Stetson hosted Consumer Protection Fair with AARP\",\"datePublished\":\"2019-09-23T15:04:46+00:00\",\"dateModified\":\"2019-09-23T15:23:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www2.stetson.edu\\\/law\\\/news\\\/index.php\\\/2019\\\/09\\\/23\\\/stetson-hosted-consumer-protection-fair-with-aarp\\\/\"},\"wordCount\":1443,\"image\":{\"@id\":\"https:\\\/\\\/www2.stetson.edu\\\/law\\\/news\\\/index.php\\\/2019\\\/09\\\/23\\\/stetson-hosted-consumer-protection-fair-with-aarp\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.stetson.edu\\\/law\\\/news\\\/wp-content\\\/uploads\\\/2019\\\/09\\\/AARP_group_3028-1024x727.jpg\",\"keywords\":[\"Center for Excellence in Elder Law\",\"consumer protection fair\",\"Elder law\"],\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www2.stetson.edu\\\/law\\\/news\\\/index.php\\\/2019\\\/09\\\/23\\\/stetson-hosted-consumer-protection-fair-with-aarp\\\/\",\"url\":\"https:\\\/\\\/www2.stetson.edu\\\/law\\\/news\\\/index.php\\\/2019\\\/09\\\/23\\\/stetson-hosted-consumer-protection-fair-with-aarp\\\/\",\"name\":\"Stetson hosted Consumer Protection Fair with AARP - 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The 70-year-old attended a Consumer Protection Fair on Sept. 11, 2019, at Stetson University College of Law. The school hosted the event in partnership with AARP Tampa Bay as part of AARP\u2019s National Day of Service. 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