Frank Purdy, a disabled military veteran in Northbridge, has five
words tattooed on the inside of his forearms. On the right arm, it says
“Strength” and “Honor.” On the left reads “Loyalty,” “Family,” “Trust.”
A form of ALS, so far crippling his leg, is sapping his physical strength.
The harm to his sense of loyalty, family and trust, after his 30-year-old niece allegedly
purchased and registered to herself
a used Toyota RAV4 sports utility vehicle last October, using $20,000
from a Department of Veterans Affairs grant intended for a
handicapped-accessible minivan for Mr. Purdy, is much worse.
“What I believed in deteriorated,” Mr. Purdy, 52, said in an interview.
“I’ve got to depend on others. I can only walk a couple of feet. My anger toward her is astronomical.”
In
another Northbridge case last year, Gloria S. Morvan, 62, an informal
caregiver for then-83-year-old Harold Swart, who is legally blind,
wrote herself a check for $195,000 from Mr. Swart’s bank account and purchased a condominium.
She told police, “He said he wanted to help me because I helped him.” Mr. Swart denied that claim.
Ms.
Morvan was charged in Uxbridge District Court, in April 2017, with
larceny of more than $250 from a person over 65 or disabled. The case is
currently awaiting a jury trial in Worcester’s Central District Court.
Cases of alleged financial abuse of seniors or disabled adults are only the tip of the iceberg, experts in elder services say.
According to the National Adult Protective Services Association, just one in 44 cases of financial abuse is reported.
Nationally,
as many as five million seniors are robbed or defrauded of $36.5
billion annually, according to the National Council on Aging.
The
Massachusetts Executive Office of Elder Affairs reported 9,799 confirmed
abuse and neglect cases in 2017. More than one in eight, nearly 1,300,
were financial abuse.
Maureen Siergie, executive director of Elder
Services of Worcester, said her agency receives up to 200 reports of
abuse a month from Worcester and 14 surrounding towns served by the
agency. Roughly 15 percent of those, or 30 a month, are for financial
exploitation.
As the regional elder protective services agency,
one of 20 in the state, Ms. Siergie said, “It’s our job to get to the
bottom of whether that person willingly made a decision (to give up
resources) and whether they had the capacity” to make such a decision.
Elder
Services of Worcester serves as the clearinghouse locally for
allegations of abuse or exploitation for people age 60 and older.
The Disabled Persons Protection Commission investigates cases of abuse of people with disabilities under the age of 60.
If the loss is more than $250, the agency refers the case to the
district attorney’s office for potential criminal prosecution, according
to Ms. Siergie.
June 15 is the United Nation’s World Elder Abuse Awareness Day.
While
many are aware of scams often perpetrated on the elderly, such as calls
claiming to be from the Internal Revenue Service demanding money, or a
grandchild needing emergency cash overseas, people find it harder to
grasp exploitation or theft committed by trusted family members and
caregivers.
“The people who are most likely to victimize you are
the people closest to you,” said Sheriff Lewis G. Evangelidis.
“Unfortunately, you have to be aware of the statistics.”
More than
90 percent of all reported elder abuse is committed by family members
or trusted others, according to the National Adult Protective Services
Association.
Common ways family members and trusted others exploit
vulnerable adults, the association notes, include: using a power of
attorney, given by the victim to allow another person to handle his or
her finances, as a license to steal; taking advantage of joint bank
accounts for their own use; using ATM cards and stealing checks to
withdraw money from the victim’s account; refusing to obtain needed care
and medical services for the victim in order to keep the person’s
assets available for the abuser; threatening to harm or abandon the
victim unless he or she gives the abuser what he or she wants; and
keeping change from errands or improperly charging for services by
in-home professional care providers.
“It’s more often than I’d
like to see,” said Worcester lawyer Nicholas Daviau, who represents Mr.
Purdy. “When money is involved, people act differently than they usually
do.”
“We see a boatload of (adult) children who live with their parents,
living off their parents’ Social Security, and then you see them with
nice stuff,” said Michelle Edelstein, director of the Sutton Council on
Aging.
“When you talk to the elder about it, they’ll say it’s a gift. They don’t want to get the person in trouble.”
With
paid caregivers, she said, it’s not uncommon for jewelry, collectibles
and other items of value to disappear from the home. The caregiver
typically blames it on the elder being confused.
“It’s really hard to trust people in your home,” she said.
Ms.
Edelstein encouraged family members concerned about a senior’s finances
or property to regularly check their bank account and mail. It’s also a
good idea to take a video around the senior’s home, so there is a
record of what was there. And watch for questionable behavior of
relatives or other caregivers.
Ms. Edelstein, a notary public, said she’s seen people asking a senior to sign a car over to a caregiver “for safekeeping.”
In another situation, a senior signed over their house to a caregiver, since the senior didn’t have children.
“Now the senior has to find a place to live because the caregiver wants to sell the house,” Ms. Edelstein said.
Northbridge Police Chief Walter J. Warchol, whose department brought
charges last year against the two alleged perpetrators of larceny on an
elderly or disabled person, said he hears of about a dozen such cases a
year.
“A lot of time, it’s a family member. They don’t want to
press charges,” Chief Warchol said. “They just want it resolved and let
it go. They feel, who is going to take care of them?”
He added it
can be a delicate subject for older adults, who still feel independent,
to share personal financial information with their children. If children
aren’t familiar with their parents’ finances, it’s hard to detect
wrong-doing.
A public-private partnership among the state Office
of Consumer Affairs and Business Regulation, Executive Office of Elder
Affairs, Division of Banks, Office of the Attorney General, district
attorneys, Massachusetts Bankers Association and the Cooperative Credit
Union Association have updated training materials to assist financial
institutions in detecting and preventing elder financial abuse.
Marla
Snyder, senior vice president and compliance officer at The Savings
Bank in Wakefield, has spoken extensively as a trainer.
“Once you
get into a fixed income situation, once you start losing money, it’s
almost impossible to get the money back and their earning power is
gone,” she said.
Financial exploitation can have physical impacts, affecting medical
care and basic necessities, as well as emotional impacts. Seniors
affected by financial abuse may suffer from fear, depression, hostility,
inability to trust and other mental health issues.
Some studies looking at the relationship between elder abuse and mortality have found that abused elders die sooner.
Financial
institutions have gotten savvy, Ms. Snyder said, with software aimed to
monitor and flag transactions that look suspicious. When such
transactions are detected, a bank employee will usually call the account
holder.
Account holders can file a claim of fraudulent activity if they contest a transaction.
“Hopefully, if they didn’t catch it on the front end, they’ll catch it on the back end,” Ms. Snyder said.
But
some small transactions fly below the radar. That’s why she encourages
seniors to also monitor transactions and statements themselves, and
alert their bank of any suspicious activity.
Even seniors living in assisted living facilities or nursing homes can be victims of financial abuse by someone close to them.
Richard Gordon, public relations specialist for SALMON Health and
Retirement, said, “We usually get a sense that there may be something
going on when we start to see our residents’ billing go into arrears.”
It
also shows up when people are looking for senior living options. Family
members might not want “to make the decision that’s right for their
loved one because it’s their inheritance that’s being spent,” he said.
Mr.
Gordon said all staff are trained when they’re hired and at least
annually on all forms of abuse, including financial exploitation. When
abuse is suspected, state agencies are contacted immediately.
Cases
referred for prosecution, particularly involving abuse by a family
member, are “some of the most gut-wrenching stuff we see,” according to
Worcester District Attorney Joseph D. Early Jr.
He said, “This generation (of seniors), they’re a very trusting generation. They want to believe people.”
Prosecuting
a case can be difficult. “We have to prove the defendant knows it to be
a false statement,” when endorsing a document that diverts resources
from the senior victim, Mr. Early said.
And some arrangements between an elder and a defendant are not formalized, but “built on trust.”
Restitution is always ordered when a case is successfully prosecuted.
But sometimes, according to Mr. Early, “It’s like getting blood out of a
rock.”
In the case involving Mr. Purdy, the disabled Northbridge
veteran, criminal charges against his niece, Toni Silva of North
Brookfield, were dropped May 2. The motion to dismiss, co-signed by Mr.
Purdy’s lawyer and the assistant district attorney, indicated the
vehicle had been returned and Mr. Purdy plans to pursue the matter
civilly.
Mr. Daviau said the prosecutor explained, “They would have a tough time proving the elements of larceny.”
Mr.
Purdy acknowledged he had given Ms. Silva his power of attorney last
May, when he was told by the VA - incorrectly, he later learned - he
needed to assign a power of attorney to deal with contractors renovating
his house through a VA adaptive housing grant.
He revoked the power of attorney in November after he learned Ms. Silva purchased, insured and registered the RAV4 to herself.
Neither Ms. Silva, nor her lawyer, returned calls for comment.
Mr.
Purdy’s plan is to trade in the RAV4, which was driven 11,000 miles
since Ms. Silva purchased it in October, depreciating its value by an
estimated $3,500, for a large minivan that can be used for his transport
“She’s my godchild. I gave her money for her house,” Mr. Purdy said.
“I gave her the world and she took it and stabbed me right in the back.”
He continued: “I just want justice. I served my country; I did my time.”
- Elder abuse reports can be filed either online at www.mass.gov/report-elder-abuse
or by phone at (800) 922-2275. Elder abuse includes: physical, sexual,
and emotional abuse, caretaker neglect, financial exploitation and
self-neglect. Elder Protective Services can only investigate cases of
abuse where the person is age 60 and over and lives in the community. To
report abuse of a person with a disability under the age of 60, call
the Disabled Persons Protection Commission at (800) 426-9009. To report
abuse of a person by nursing home or hospital, call the Department of
Public Health at (800) 462-5540.
Full Article & Source:
Financial abuse of elders often leads to family crises, lasting harm