AARP Iowa is calling on lawmakers to help prevent gift-card scams during this year's legislative session.

Impostor scams have been the number one consumer fraud scam in Iowa for nine years running and commonly seek payment via gift cards.

Paige Yontz, state advocacy manager for AARP Iowa, said impostors play on a victim's fears, usually tied to family members.

"A gift card scams takes place when somebody reaches out and said, 'Hey, your son or daughter is in trouble. They're in jail, perhaps, and the fastest way to get them out is to go buy a gift card and read me the numbers on the back so I can get them out,'" Yontz explained.

While it may sound like common sense not to do so, Yontz pointed out victims often panic and follow the impostor's orders. AARP Iowa is pushing for a measure designed to educate people about gift card scams and encourages consumers to think twice before falling victim. Gift card scams cost Americans close to $150 million in 2023, according to the Federal Trade Commission.

AARP reported one in three people say they know someone who has been the target of a gift card scam, and one in four adults say they are not aware being asked to send money via a gift card is fraudulent. Yontz noted the measure being considered would require retailers to help educate consumers at the point of sale.

"Legislation that would require any retailer who sells a gift card other than their own to post a notice about what a gift card scam is and how to contact the A.G.'s Consumer Protection Division for help," Yontz added.

Companion bills await Iowa House and Senate subcommittee action.

June was Alzheimer's and Brain Awareness Month, but the Michigan Alzheimer's Association says these should be year-round priorities.

More than 200,000 Michiganders over age 65 are living with Alzheimer's - although only about half receive a doctor's diagnosis. This can delay necessary care and future planning.

Kathryn Ribant Payne - communications director with the Alzheimer's Association in Michigan - said this year, the focus is on educating the public about how to take control of their brain health.

She said when there's a concern, early diagnosis is key.

"We're kind of coming into an era of treatment where we're seeing treatments come down the pipeline that necessitate early diagnosis," said Ribant Payne. "So, if people are experiencing cognitive decline that they've noticed, or their family members have noticed, we really encourage them to speak with their healthcare provider."

Ribant Payne said up to 40% of dementia cases could be caused by risk factors that a person could change by developing healthy habits.

These include challenging yourself by learning new things and staying in school.

Not smoking, getting regular exercise and properly managing other diseases, such as diabetes and high blood pressure, also improve brain health.

She said protecting your head by wearing a helmet for activities like biking, is important - as well as eating a healthy diet and sleeping well.

She added that if you think it's too late to improve your routine - you're wrong.

"These things that we are talking about, as far as the healthy habits, are not something that you have to start when you're in your 20s for them to do something," said Ribant Payne. "Any little thing you can start at any time will affect your health in a way that can cause positive results."

Ribant Payne emphasized that it's critical for caregivers of people with Alzheimer's disease to seek respite and reach out for help themselves.

Michigan leads the nation in the number of caregiver hours - and about two-thirds of caregivers in the state report having a chronic health condition as a result of the stress.




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Washington has received designations highlighting the state's efforts to become more age and dementia-friendly.

Washington is the 12th state to join the AARP Network of Age-Friendly States and Communities.

Susan Engels, Unit on Aging office chief for the Washington State Department of Social and Health Services, said the designation builds on work the state is already doing to support people of all ages.

"Age-friendly communities consider goals that promote high quality of life for each person regardless of their age, allowing older people the opportunity to remain active in their community," Engels pointed out. "The designation begins a book of work that we're very excited to do."

Some cities in the state have already joined the AARP network, such as Puyallup, Renton, Seattle, Tacoma and White Salmon. Some of the goals for age-friendly communities include ensuring people can age in place and building walkable communities to ensure people can maintain both their independence and connection with others.

Washington is also joining U.S. Aging's Dementia-Friendly America network. Engels noted the state is already supporting people with dementia.

"Developing more community opportunities for families living with dementia," Engels explained. "Things like zoo walks and cafes where people can come and not worry about being judged if their loved one behaves differently."

Family caregiving is another important area as the population ages. According to AARP's statistics, the ratio of family caregivers per adult over 80 available in Washington will decline from about 4.5 to 1 in 2030 to less than 3 to 1 in 2050.

Engels added the state has support in caregiving as well, such as through respite and counseling to help people maintain the sometimes difficult roles.

"We have innovative programs, both state funded and federally funded, where we are able to support family caregivers regardless of income levels," Engels stressed. "With services that help those family caregivers be able to maintain their role."

More people over the age of 64 are being targeted by scams through social media and are more likely to lose money.

According to AARP, around half of American adults report having been a victim or a target of financial fraud.

Judy Dollison, president of the Better Business Bureau of Central Ohio, said the most common and dangerous scams for seniors involve investments, romance, and home improvement.

"Scammers oftentimes go door to door, looking for victims," Dollison pointed out. "Sometimes we see this after a big storm or, you know, hail or tornado comes through the neighborhood, and they tell them that, oh, you know, we got up on your roof, and there's hail damage."

People who suspected they have been scammed or their personal information has been compromised should contact their local police department and their financial institution to get help stopping the payment or disputing the charge. Report scams at BBB.org/ScamTracker or call 614-486-6336.

Dollison explained warning signs include asking for payment immediately and unusual payment types such as debit cards, Zelle, and Venmo, along with claims of a free or unrealistic low-cost product or service.

"Some of the big red flags are, you know, a pressure to act," Dollison emphasized. "So often we see scammers try to really convince you to do something urgently, because they don't want you to ask your friend or family. They don't want to you to research."

A decline in cognitive functioning, such as Alzheimer's disease and dementia, social isolation, and a lack of financial literacy tend to make older adults more susceptible to scams and fraud. Dollison stressed it is important to remind loved ones and neighbors scammers are out there.

"We always encourage just vigilance," Dollison added. "Empower the seniors to be suspicious of things, to question, to pause and seek guidance. Discuss telemarketing and email fraud. Just really highlight how much is out there."

Elder financial abuse costs older Americans at least $36.5 billion each year and more older adults are becoming victims of financial scams, according to the Department of Justice.


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