Senior Solutions


Introduction

Welcome to BBB Senior Solutions, a resource on senior issues provided by the Better Business Bureau Serving Metropolitan New York and sponsored by the AXA Foundation. Senior issues are growing in importance, since Americans are living longer and healthier lives.

On this site you will find helpful information on:

  • Choosing Eldercare Professionals
  • Housing Solutions for Seniors
  • Home Improvement and Home Equity Fraud
  • Medicare and Managed Care
  • Home Care Options
  • Long-Term Care Insurance
  • Wills and Estate Fundamentals
  • Living Trusts
  • Funerals

Publications

These publications are in PDF Format. Click here to get the Acrobat Reader

 

  • Saving Time and Money: Choosing Eldercare : Professionals
    This brochure provides information on elder law attorneys, financial planners, and geriatric care managers
    .
  • Exploring Your Options: Housing Solutions for Seniors:
    This brochure informs seniors and their families about housing and medical options, including senior retirement communities, assisted living facilities, adult day care and nursing homes, as well as financing options to assist families in paying for long-term care.

  • How to Protect Yourself from Home Improvement and Home Equity Fraud:
    This tip sheet warns seniors about scam artists who offer to perform home repairs and provide financing for the repairs, jeopardizing the equity in a home.
     
  • Medicare and Managed Care:
    This tip sheet provides a basic introduction to managed care programs such as HMOs and what services these programs provide for Medicare participants.

  • Home Care Options:
    This brochure describes the various types of home care services that are available and provides information on how to locate them.

  • Long-Term Care Insurance:
    This tip sheet advises individuals on how to evaluate long-term care insurance policies based on factors such as waiting periods, inflation protection and forfeiture protection.

  • Planning Wisely: Wills and Estate Fundamentals:
    This brochure provides a basic introduction to estate planning, and describes the uses of wills and living trusts.

  • What You Need to Know About Living Trusts:
    This tip sheet describes living trusts, legal documents that can be used to pass assets to heirs, as well as information on living trust scams and how to avoid them.

  • Funerals:
    This tip sheet provides information on planning a funeral, including information about federal regulations for the industry.

PowerPoint Presentation

  • Senior Solutions PowerPoint Presentation
    This presentation summarizes all nine of the Senior Solutions educational pieces. It is a useful addition to a Senior Solutions seminar. This presentation opens as an outline. To see speaker's notes, click the "Notes Pages View" button at the lower left side of your screen. To display slides, click the "Slide Show" button.


Senior Solutions Resources
When seeking additional information about issues that affect seniors, you may find it helpful to contact additional government or nonprofit resource groups. For your convenience, lists of some online and offline resources are included in this site.

Please note that the Better Business Bureau does not endorse or recommend organizations included in this resource list, or any such groups, as a matter of policy.

 

 

Telephone Resources

A  B  C  D  E  F  G  H  I  J  K  L  M
N  O  P  Q  R  S   T  U  V  W  X  Y  Z


 Telephone Resources - A

Alzheimer's Association Helpline: 800-272-3900

American Association of Homes and Services for the Aging: 202-783-2242

American Association of Retired Persons: 800-424-3410

American Bar Association, Commission on Legal Problems of the Elderly: 202-662-8690

American Cancer Society Information Service: 800-227-2345

American Diabetes Association Patient Information Line: 800-232-3472

American Foundation for the Blind Information Hotline: 800-232-5463

American Heart Association Information Service: 800-242-8721

AHA Stroke Connection Information Service: 800-553-6321

American Institute of Certified Public Accountants: 888-777-7077

American Liver Foundation: 800-465-4837

American Lung Association: 800-586-4872

American Parkinson Disease Association Information Hotline: 800-223-2732

American Podiatric Medical Association Information Service: 800-366-8227

American Psychiatric Association: 202-682-6220

American Society of CLU and ChFC Consumer Referral Service: 800-243-2258

Arthritis Foundation Information Service: 800-283-7800

Association of Jewish Aging Services: 202-543-7500

Association for Investment Management and Research: 800-247-8132


 
Telephone Resources - B
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Better Hearing Institute Hearing Helpline: 800-327-9355

Black Elderly Legal Assistance Support Project: 202-842-3900


 
Telephone Resources - C
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Certified Financial Planner Board of Standards: 888-CFP-MARK

Children of Aging Parents: 800-227-7294

Choice in Dying: 800-989-9455

Continuing Care Accreditation Commission: 202-783-7286


 Telephone Resources - E
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Eldercare Locator Service: 800-677-1116

Elderhostel: 877-426-8056


 
Telephone Resources - F
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Family Service America: 800-221-2681

Federal Trade Commission, Consumer Response Center: 877-FTC-HELP  (877-382-4357)

Financial Planning Association: 303-759-4900


 
Telephone Resources - G
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Gray Panthers Information Service: 800-280-5362


 
Telephone Resources - H
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Hospice Association of America: 202-546-4759


 
Telephone Resources - I
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Internal Revenue Service: 800-829-3676

International Society for Retirement Planning: 888-456-ISRP


 
Telephone Resources - L
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Legal Counsel for the Elderly: 202-434-2120


 
Telephone Resources - M
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Meals on Wheels Association of America: 703-548-5558

Medic Alert Information Service: 800-344-3226 / 800-432-5378

Medicare: 800-MEDICARE (800-633-4227)

Medicare Automated Information Service: 800-638-6833


 
Telephone Resources - N
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National Academy of Elder Law Attorneys: 520-881-4005

National Adult Day Services Association: 202-479-6682

National Aging Information Center: 202-619-7501

National Alliance for Caregiving: 301-718-8444

National Association for Area Agencies on Aging: 800-677-1116

National Association for Continence Information Service: 800-252-3337

National Association for Hispanic Elderly: 213-487-1922

National Association for Home Care: 202-547-7424

National Association of Nutrition and Aging Services Programs: 800-999-6262

National Association of Personal Financial Advisors: 800-366-2732

National Association of Professional Geriatric Care Managers: 520-881-8008

National Association of Social Workers: 800-638-8799

National Cancer Institute Information Service: 800-422-6237

National Caucus and Center on Black Aged, Inc.: 202-637-8400

National Center on Elder Abuse: 202-898-2586

National Center on Women and Aging Information Service: 800-929-1995

National Committee for the Prevention of Elder Abuse: 508-793-6166

National Council on the Aging: 800-424-9046

National Eye Care Project Helpline: 800-222-3937

National Family Caregivers Association: 800-896-3650

National Federation of Interfaith Volunteer Caregivers: 800-350-7438

National Fraud Information Center: 800-676-7060

National Health Information Center: 800-336-4797

National Hispanic Council on Aging: 202-265-1288

National Hospice Organization Quick Referral Resource Hotline: 800-658-8898

National Indian Council on Aging: 505-292-1922

National Institute on Aging Information Clearinghouse: 800-222-2225

National Institute of Mental Health: 301-443-4513

National Insurance Consumer Helpline: 800-942-4242

National Kidney Foundation: 800-622-9010

National Long-Term Care Ombudsman Resource Center: 202-332-2275

National Osteoporosis Foundation: 800-223-9994

National Resource Center on Long-Term Care: 202-898-4794

National Resouce Center on Native American Aging: 800-896-7628

National Senior Citizens Law Center: 202-887-5280

National Senior Service Hotline: 800-424-8867

National Stroke Association Information Service: 800-787-6537


 
Telephone Resources - P
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Parkinson's Disease Foundation Information Service: 800-457-6676


 
Telephone Resources - S
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SeniorNet Information Service: 800-747-6848

Simon Foundation for Continence Information Service: 800-237-4666

Social Security Administration: 800-772-1213


 
Telephone Resources - V
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Veterans Administration, U.S. Dept. of Veterans' Affairs: 800-829-4833 / 800-827-1000

Visiting Nurse Association of America: 800-426-2547


 
Telephone Resources - W
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Well Spouse Foundation: 800-838-0879

 

Online Resources

General Seniors Resources

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American Association of Retired Persons: www.aarp.org

AARP Guide to Internet Resources Related to Aging: www.aarp.org/cyber/guide1.htm

American Bar Association: www.abanet.org

Charities that deal with senior issues:
     www.bbb.org/about/pas.asp and www.guidestar.org

Senior issues information: www.seniors.gov | www.retirement-living.com | www.careguide.net | www.seniorresource.com | www.senioralternatives.com

Government Resources

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Administration on Aging, Internet Resources: www.aoa.dhhs.gov/aoa/pages/other.html

Department of Veterans Affairs: www.va.gov

Federal Trade Commission: www.ftc.gov

Health Care Financing Administration: www.hcfa.gov

Internal Revenue Service: www.irs.gov

Medicare: www.medicare.gov

National Aging Information Center, U.S. Administration on Aging: www.aoa.gov

National Association of Attorneys General: www.naag.org

National Institute on Aging: www.nih.gov/nia

National Institute of Mental Health: www.nimh.nih.gov

Social Security Administration: www.ssa.gov

State governments: www.statelocal.gov

 

National Organizations

A  B  C  D  E  F  G  H  I  J  K  L  M
N  O  P  Q  R  S  T  U  V  W  X  Y  Z

 


 
National Organizations - A
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Alzheimer's Association: www.alz.org

American Association for Geriatric Psychiatry: www.aagpgpa.org

American Association of Homes and Services for the Aging: www.aahsa.org

American Cancer Society: www.cancer.org

American College of Health Care Administrators: www.achca.org

American Council Of The Blind: www.acb.org

American Dental Association: www.ada.org

American Diabetes Association: www.diabetes.org

American Foundation for the Blind: www.afb.org

American Geriatrics Society: www.americangeriatrics.org

American Heart Association: www.americanheart.org

American Health Care Association: www.ahca.org

American Hospital Association Section for Aging and Long-Term Care Services: www.aha.org

American Institute of Certified Public Accountants: www.aicpa.org

American Liver Foundation: www.liverfoundation.org

American Lung Association: www.lungusa.org

American Medical Directors Association: www.amda.com

American Occupational Therapy Association: www.aota.org

American Parkinson Disease Association: http://apdaparkinson.com

American Podiatric Medical Association: www.apma.org

American Psychiatric Association: www.apa.org

American Self-Help Clearinghouse: www.cmac.com/selfhelp

American Seniors Housing Association: www.asha.nmhc.org

American Society for Geriatric Dentistry: www.bgsm.edu/dentistry/foscod

American Stroke Association: www.strokeassociation.org

Arthritis Foundation: www.arthritis.org

Assisted Living Federation of America: www.alfa.org

Association for Investment Management and Research: www.cfainstitute.org


 
National Organizations - B
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Better Hearing Institute: www.betterhearing.org

Black Elderly Legal Assistance Support Project, National Bar Association: www.nationalbar.org


 
National Organizations - C
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CARF- The Rehabilitation Accreditation Commission: www.carf.org

Caregiver Survival Resources: www.caregiver911.com

Certified Financial Planner Board of Standards: www.cfp.net

Choice in Dying: www.choices.org

Continuing Care Accreditation Commission www.ccaconline.org


 
National Organizations - E
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Eldercare Web: www.elderweb.com

Elderhostel: www.elderhostel.org

Emotional Support Guide: http://asa.ugl.lib.umich.edu/c


 
National Organizations - F
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Family Caregiver Alliance: www. caregiver.org

Financial Planning Association: www.icfp.org

Foundation for Hospice and Home Care: www.nahc.org


 
National Organizations - G
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Generations Together, University Center for Social and Urban Research, University of Pittsburgh: www.pitt.edu/~gti/

Gerontological Society of America: www.geron.org

Gray Panthers: www.graypanthers.org


 
National Organizations - H
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Health Insurance Association of America: www.hiaa.org

Healthcare Information and Management Systems Society: www.himss.org

Hospice Association of America: www.hospice-america.org

Hysterectomy Educational Resources and Services Foundation: www.ccon.com/hers


 
National Organizations - I
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International Society for Retirement and Life Planning: www.isrplan.org


 
National Organizations - J
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Joint Commission on the Accreditation of Healthcare Organizations: www.jcaho.org


 
National Organizations - K
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Kansas Geriatric Education Center, University of Kansas Medical Center: www.kumc.edu/instruction/medicine/NRPC


 
National Organizations - M
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Medic Alert Foundation: www.medicalert.org


 
National Organizations - N
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National Academy of Elder Law Attorneys: www.naela.org

National Adult Day Services Association: www.ncoa.org/nadsa/

National Alliance for Caregiving: www.caregiving.org

National Association for Continence: www.nafc.org

National Association of Directors of Nursing Administration/Long-Term Care: www.nadona.org

National Association for Home Care: www.nahc.org

National Association of Insurance Commissioners: www.naic.org

National Association of Nutrition and Aging Services Program: www.nanasp.org

National Association of Personal Financial Advisors: www.napfa.org

National Association of Professional Geriatric Care Managers: www.caremanager.org

National Association of Social Workers: www.naswdc.org

National Association for the Support of Long-Term Care: www.nasl.org

National Association for the Visually Handicapped: www.navh.org

National Cancer Institute, Office of Cancer Communications: www.nci.nih.gov

National Center on Elder Abuse: www.gwjapan.com/NCEA

National Center on Women and Aging: www.brandeis.edu/heller/national/ind.html

National Citizens' Coalition for Nursing Home Reform: www.nccnhr.org

National Committee to Preserve Social Security and Medicare: www.ncpssm.org

National Consumers League: www.natlconsumersleague.org

National Council of Senior Citizens: www.ncscinc.org

National Council on the Aging: www.ncoa.org

National Family Caregivers Association: www.nfcacares.org

National Federation of Interfaith Volunteer Caregivers: www.nfivc.org

National Fraud Information Center, Elderfraud project: www.fraud.org/elderfraud/elderfraud.htm

National Health Information Center: http://nhic-nt.health.org

National Hispanic Council on Aging: www.nhcoa .org

National Hospice and Palliative Care Organization: www.nho.org

National Indian Council on Aging: www.nicoa.org

National Kidney Foundation: www.kidney.org

National Policy and Resource Center on Nutrition and Aging: www.nutritionandaging.fiu.edu/

National Register of Health Care Providers in Psychology: www.nationalregister.com

National Resource Center on Native American Aging: www.ruralhealth.und.edu/projects/nrcnaa

National Senior Citizens Law Center: www.nsclc.org

National Shared Housing Resource Center: www.aoa.dhhs.gov/Housing/SharedHousing.html

National Stroke Association: www.stroke.org

National Subacute Care Association: www.nsca.net


 
National Organizations - O
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Oncolink, The University of Pennsylvania Cancer Center Resource: http://oncolink.upenn.edu


 
National Organizations - P
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Parkinson's Disease Foundation: www.pdf.org


 
National Organizations - S
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Self-Help for Hard of Hearing People, Inc.: www.shhh.org

SeniorNet: www.seniornet.org

Senior Sites: www.seniorsites.com

 

Simon Foundation for Continence: www.simonfoundation.org


 
National Organizations - U
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United Seniors Health Cooperative: www.ushc-online.org

 

Senior Facts
Senior issues, such as health care, long term care, and protection against fraud, have become a more pressing national concern in the last few years, and will become even more important in the 21st century. The combination of declining infant mortality, increased life expectancy, better medical technology, and the aging of the "Baby Boom" generation will produce a new "senior boom" in the next 30 years. According to 1998 estimates, in 2030 there will be nearly 70 million Americans over age 65, a full 20% of the population.

Table 1: Projections of Senior Population Increase, 1995-2030

  Projected population: 1995 Projected population: 2030
Total US population 262.8 million 346.9 million
Ages 55-64 21.3 million 36.3 million
Ages 65-74 18.8 million 37.4 million
Ages 75-84 11.1 million 23.5 million
Ages 85+ 3.6 million 8.4 million
Total Ages 65+ 33.5 million 69.4 million

 Source: Aging into the 21st Century, National Aging Information Center and the Administration on Aging

These seniors will need more money, services, and care than previous older generations. Caregiving is a very important concern for many seniors, and an issue that needs a lot of planning. Of special concern is the projected increase in the number of seniors over 85, the so-called "oldest old." There is a 233% increase projected in the 85+ population, and with that, an increase in the amount of direct caregiving that will be needed. According to 1990 statistics, only 1% of seniors in the 65-74 age range lived in a nursing home, while nearly 25% of the 85+ age group did. Only 9% of the 65-69 age group needed help with activities of daily living, such as dressing, bathing, cooking or toileting, while 50% of the 85+ group did.

Those who are taking care of seniors will feel the effects of this aging of the population. An estimated 7 million Americans are taking care of an elderly relative, and a disproportionate number of these family caregivers are women. About 45% of these caregivers are also employed outside of the home, therefore possibly creating conflicts between work and home caregiving needs.

Financial considerations will also become more important with a larger group of seniors. The Congressional Budget Office estimates that there will be a 240% increase in expenditures on long term care. Seniors with long term care insurance, as well as additional assets besides Social Security, will be in a better position to deal with these financial challenges.

Table 2: Sources of Aggregate Income for Seniors, 1996

Sources of Income Percentage of Total
Social Security benefits 38%
Earnings 21%
Assets 20%
Private Pensions 10%
Government Employee Pensions 8%
Other 3%

Source: Fast Facts and Figures About Social Security, 1999

Seniors are also targeted by scam artists. Over 50% of people targeted by illegal telemarketers are over 50, according to the AARP. Seniors are also targeted for home equity scams, since many elderly people have a large amount of equity in their homes.

Where to find more detailed material for your state, county or metropolitan area

The US Administration on Aging (www.aoa.gov) has a lot of information for national and local areas, much of it drawn from US Census data. The Administration on Aging "Statistics on Older People" web page has links to the Census Bureau (www.census.gov), and Department of Health and Human Services (www.dhhs.gov) statistics. Your state, county or city department of the aging is the best source for regional information.

The American Association of Retired Persons (AARP) also provides information on seniors around the country, at www.aarp.org. The AARP also participates in another program, Financial Aspects of Aging Research, www.FAAR.org, which provides information on consumer expenditures, retirement income, and the economic security of seniors. The Social Security Administration (www.ssa.gov) provides data on the financial status of seniors, with and without Social Security benefits.

Other useful documents include:

Administration on Aging Profile of Older Americans: 1999

Hobbs, Frank B. and Bonnie L. Damon, 65+ in the United States, Bureau of the Census Current Population Reports, P23-190.



Press Releases

  Senior Solutions:
New York BBB Launches National Program on Senior Issues for Older Americans Month, May 2000

The number of Americans over 65 is increasing, and is expected to increase rapidly over the next 30 years. Due to longer life expectancies and the aging of the Baby Boom generation, estimates suggest that a full 20% of the US population will be over 65 by 2030. An aging population brings many concerns: who will provide necessary care for seniors, and how? How can seniors finance the care they need, and still pass on assets to their heirs? What resources are currently available to assist seniors and their families? In conjunction with Older Americans Month 2000, the Better Business Bureau Serving Metropolitan New York announces the launch of BBB Senior Solutions, a national program created by the New York BBB and sponsored by the AXA Foundation to provide resource information for seniors and their families to help answer these questions.

To launch this educational campaign, the BBB is distributing three informational pieces: two brochures, Exploring Your Options: Housing Solutions for Seniors and Saving Time and Money: Choosing Eldercare Professionals, and a tip sheet entitled How to Protect Yourself from Home Improvement and Home Equity Fraud.


As part of the BBB Senior Solutions program, the New York BBB created a 75-page resource kit to guide 135 Better Business Bureaus around the country in using the program. The full kit includes a set of nine brochures and tip sheets, which will be available throughout 2000.

"Seniors and their families need as much information as possible to plan for the future," said Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York. "The BBB Senior Solutions campaign is designed to put this information in the hands of those who need it."

"Making decisions about housing, medical care, and finances can be an overwhelming process," noted Francine Lynch, Director of Programs at the AXA Foundation. "The brochures and tip sheets of the BBB Senior Solutions campaign provide important information that can assist in making these decisions."

To receive a free copy of the brochures and tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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BBB Announces Information on Funeral Planning

Funerals are not a pleasant subject to contemplate, and they are often very stressful and expensive events. Planning a funeral in advance can alleviate some stress on remaining family and friends. To assist seniors and their families in making these plans, the Better Business Bureau announces the publication of Funerals. This tip sheet is part of BBB Senior Solutions, a national effort by Better Business Bureaus and sponsored by the AXA Foundation, to provide resource information for seniors and their caregivers. The tip sheet provides important information on the planning process, pre-payment options, and information on shopping around for the best deal on the services you may need.

"BBB Senior Solutions is about proper planning for the future," explained Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York. "Funerals is designed to inform seniors and their families in advance about funeral services and shopping for the right service provider."

"This tip sheet provides important information on funeral services," noted Francine Lynch, Director of Programs at the AXA Foundation. "Careful advance planning can be an important gift to your friends and family."

To receive a free copy of the tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $3.80 credit card charge, or 1-900-555-4BBB, with a charge of $.95 cents per minute. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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Know Your Options:
BBB Announces Tips on Home Care

An aging population requires creative solutions to one important concern: how to care for seniors with an increasing number of medical and care needs. Many families turn to paid professionals to help with this care. To assist seniors and their families in selecting the professional assistance that best suits their lives, the Better Business Bureau Serving Metropolitan New York announces the publication of Home Care Options. This brochure is part of BBB Senior Solutions, a national effort by Better Business Bureaus and sponsored by the AXA Foundation, to provide resource information for seniors and their caregivers. The brochure describes a variety of home care services available, from home health agencies to hospice services, and information on financing these services.

"Home care assistance allows seniors to continue living at home," explained Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York."Home Care Options helps make that possible."

"Making decisions on how to pay for home care can be difficult," noted Francine Lynch, Director of Programs at the AXA Foundation. "This brochure provides important information on financing many care options."

To receive a free copy of the brochure, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $3.80 credit card charge, or 1-900-555-4BBB, with a charge of $.95 cents per minute. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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Protecting Your Home:
Tips for Seniors on Home Improvement and Home Equity Fraud

Home improvement and home equity fraud is a serious problem, often targeting seniors. Home improvement contractors may convince seniors to mortgage their homes to pay for repairs, risking the loss of their homes in foreclosure. To help combat this problem, the Better Business Bureau Serving Metropolitan New York announces the publication of a tip sheet entitled How to Protect Yourself from Home Improvement and Home Equity Fraud. This tip sheet is part of BBB Senior Solutions, a national effort of the Better Business Bureau and sponsored by the AXA Foundation to provide resource information for seniors and their caregivers. This tip sheet provides information to warn seniors and their families of the signs of home improvement and home equity fraud.

"These schemes target seniors and their most valuable asset — their homes," explained Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York. "Our tip sheet helps seniors and their families be aware of these scams before unscrupulous dealers arrive."

"Seniors want to spend their golden years in their own homes," noted Francine Lynch, Director of Programs at the AXA Foundation. "This tip sheet provides important information to prevent fraud from compromising that wish."

To receive a free copy of the tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $3.80 credit card charge, or 1-900-555-4BBB, with a charge of $.95 cents per minute. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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Exploring Your Options:
BBB Provides Information on Housing Solutions for Seniors

With the number of elderly Americans requiring long-term care projected to reach 14 million by the year 2020, more and more families are becoming concerned about their loved ones’ future care. To assist seniors and their families in selecting the housing arrangements that best suit their needs, the Better Business Bureau Serving Metropolitan New York announces the publication of Exploring Your Options: Housing Solutions for Seniors. This brochure is part of BBB Senior Solutions, a national effort by Better Business Bureaus and sponsored by the AXA Foundation to provide resource information for seniors and their caregivers. The brochure informs seniors and their families of a wide range of housing and medical care options, including senior retirement communities, assisted living facilities and nursing homes.

"Seniors need to know all their options to make the most of their golden years," explained Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York. "This brochure informs seniors and their families of the variety of housing options available, based on their medical needs and financial situation."

"Making decisions about housing, medical care, and finances can be an overwhelming process," noted Francine Lynch, Director of Programs at the AXA Foundation. "This brochure provides important information on the housing options to assist in making those decisions."

To receive a free copy of the tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $3.80 credit card charge, or 1-900-555-4BBB, with a charge of $.95 cents per minute. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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Living Trusts:
BBB Announces Information on Legal Options

Many people are unsure exactly what legal tools are available to pass on assets to their heirs. Living trusts are an option being pitched in expensive seminars around the country. To assist seniors and their families in using the right tools for their planning, the Better Business Bureau Serving Metropolitan New York announces the publication of What You Need to Know About Living Trusts. This tip sheet is part of BBB Senior Solutions, a national effort by Better Business Bureaus and sponsored by the AXA Foundation, to provide resource information for seniors and their caregivers. The tip sheet describes living trusts and the potential pitfalls of using them to avoid the expenses of using a will.

"Seniors need to know all their options to make the most of their golden years," explained Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York. "What You Need to Know About Living Trusts is designed to inform seniors and their families about the legal tools needed to transfer assets smoothly."

"Making decisions about the future can be a difficult process," noted Francine Lynch, Director of Programs at the AXA Foundation. "This tip sheet provides important information on the options available for transferring assets to your heirs."

To receive a free copy of the tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $5.00 credit card charge. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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Long-Term Care Insurance:
BBB Announces Information on Financing Long-Term Care

As Americans live longer, many people require very expensive long-term care. Planning ahead for this expense can save a lot of money and worry for seniors and their families. To assist seniors and their families in selecting appropriate planning tools, the Better Business Bureau Serving Metropolitan New York announces the publication of Long-Term Care Insurance. This tip sheet is part of BBB Senior Solutions, a national effort by Better Business Bureaus and sponsored by the AXA Foundation, to provide resource information for seniors and their caregivers. The brochure describes the uses of long-term care insurance and how to evaluate policies before purchase.

"Financing long-term care is a difficult task for many families," explained Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York. "Long-Term Care Insurance is designed to inform seniors and their families about insurance options that can help with medical and care costs."

"Advance planning may make it easier for your family to finance expensive health care services," noted Francine Lynch, Director of Programs at the AXA Foundation. "This tip sheet provides important information on financing care options and tips on choosing the right long-term care insurance policy."

To receive a free copy of the tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $3.80 credit card charge, or 1-900-555-4BBB, with a charge of $.95 cents per minute. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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Medicare and Managed Care:
BBB Announces Information on Medicare Choices

As the American population grows older, increasing expenditures for medical care have made cost cutting options critical for seniors. Health maintenance organizations (HMOs) and other managed care plans are now available for Medicare recipients through the Medicare+Choice program. To inform seniors and their families about this change, the Better Business Bureau Serving Metropolitan New York announces the publication of Medicare and Managed Care. This tip sheet is part of BBB Senior Solutions, a national effort by Better Business Bureaus and sponsored by the AXA Foundation, to provide resource information for seniors and their caregivers. The tip sheet describes the Medicare+Choice program and the options for health care available under its auspices.

"Seniors need to know that there are options available for their health care," explained Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York. "Medicare and Managed Care is designed to inform seniors and their families about financial options for their Medicare coverage."

"Medicare and health insurance questions can be confusing," noted Francine Lynch, Director of Programs at the AXA Foundation. "This tip sheet provides important information on health care options for seniors."

To receive a free copy of the tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $5.00 credit card charge. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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Get the Assistance You Need:
BBB Announces Eldercare Tips

As the American population grows older, a variety of services have become necessary to take care of current medical and care needs, as well as plan for the future. To assist seniors and their families in selecting the professional assistance that best suits their lives, the Better Business Bureau announces the publication of Saving Time and Money: Choosing Eldercare Professionals. This brochure is part of BBB Senior Solutions, a national effort by Better Business Bureaus and sponsored by the AXA Foundation to provide resource information for seniors and their caregivers. The brochure describes three types of eldercare professionals available to assist in making long-term care and financial decisions: elder law attorneys, financial planners, and geriatric care managers.

"Seniors need to know all their options to make the most of their golden years," the Better Business Bureau says. "Saving Time and Money is designed to inform seniors and their families of professionals who can assist in making long-term care decisions."

"Making decisions about housing, medical care, and finances can be an overwhelming process," noted Francine Lynch, Director of Programs at the AXA Foundation. "This brochure provides important information on care options and the eldercare professionals that can assist in making those decisions."

To receive a free copy of the tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $5.00 credit card charge. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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Planning Wisely:
BBB Announces Information on Wills and Estate Planning

Planning for the future has become even more crucial, as the American population grows older and lives longer. The planning process includes concerns for the distribution of assets after death. To assist seniors and their families in working through this planning process, the Better Business Bureau Serving Metropolitan New York announces the publication of Planning Wisely: Wills and Estate Fundamentals. This brochure is part of BBB Senior Solutions, a national effort by Better Business Bureaus and sponsored by the AXA Foundation, to provide resource information for seniors and their caregivers. The brochure describes important elements of the process of estate planning and will preparation.

"Many people want to provide their heirs with the assets that they have worked years to accumulate," explained Ronna D. Brown, President of the Better Business Bureau Serving Metropolitan New York. "Planning Wisely is designed to help make that process smoother."

"Making clear choices in advance can save your family from future hassles and expense," noted Francine Lynch, Director of Programs at the AXA Foundation. "This brochure provides important information on options for making these crucial plans."

To receive a free copy of the tip sheet, consumers can contact the BBB at 212-533-7500, ext. 162, or check our website at www.newyork.bbb.org. For more information on specific companies, please call 212-533-6200, with a $5.00 credit card charge. The Better Business Bureau Serving Metropolitan New York is a private, not-for-profit organization, which receives no government funding and is supported by responsible businesses and consumers. It serves the five boroughs of New York City, Long Island, and the Mid-Hudson region by providing Reliability Reports on local businesses and charities, offering mediation and arbitration services for consumer complaints, and investigating misleading advertising and selling practices.

The AXA Foundation is the philanthropic arm of AXA Financial, Inc. As a provider of a broad range of financial products and services, AXA Financial, through its primary businesses, helps people plan for the future.

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------------------------------------- Articles/ Free Credit Report ----------------------------------

The BBB, along with the Federal Trade Commission, urge consumers to take the following precautions when visiting sites or responding to e-mails that offer credit reports:

  • If you receive an e-mail offering a credit report, do not reply or click on the link in the e-mail. Instead, contact the company cited in the e-mail using a telephone number or Web site address you know to be genuine.

  • Be skeptical of unsolicited e-mail offering credit reports. Be cautious of e-mail from an atypical address, like ABC123@website.net, or an e-mail address ending in a top level domain other than .com, like .ru or .de.

  • Check for grammatical and spelling errors. Silly mistakes and sloppy copy – for example, an area code that does not match an address – often are red flags that the site may be a scam.

  • Check to see if the e-mail address matches the Web address. When you enter the company’s Web address in the browser, does it go to the sender’s site or re-direct you to a different Web address? If it re-directs you, cease the transaction.

  • Exit from a Web site that asks for unnecessary personal information, like a Personal Identification Number (PIN) for your bank account, the three-digit code on the back of your credit card, or your passport number and issuing country. Legitimate sites do not ask for this information.

  • Use only secure Web sites. Look for the “lock” icon on the browser’s status bar, and phrase “https” in the URL address on a Web site, to be sure your information is secure during transmission.

  • Watch your credit card statements: If you have responded to a bogus site, you may never receive the credit report they offered for free. But, watch for other charges you did not authorize. Contact your credit card issuer immediately in this case.

To obtain a copy of your credit report from the three major credit bureaus, contact:

Beginning December 2004, consumers in certain states will be able to request a free credit report according to the Fair and Accurate Credit Transaction Act. For more information on this rule, visit www.ftc.gov/opa/2004/06/freeannual.htm.