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For Those Who Think the Plight of the Nation's Seniors is "Not My Problem"

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McCamy Taylor Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 05:06 PM
Original message
For Those Who Think the Plight of the Nation's Seniors is "Not My Problem"
Edited on Sat Nov-26-11 05:07 PM by McCamy Taylor
In the near future....

Congress failed to act to avert the 27% across the board provider pay cut that was scheduled to take effect January 1, 2012. As a result, half the nation's health care providers opted out of Medicare. They had to. With overhead as high as 70%, the Medicare fee cut came straight out of physician salaries. Seniors were forced to scramble for care. The only doctors still taking new Medicare patients worked in the nation's public clinics and hospitals, and they had waiting lists three and four months long due to the rising number of uninsured who were beating down their doors for care.

Congress, which could not be bothered to fix the law that all but killed Medicare was more than happy to accept ungodly amounts of private insurance money. In exchange, they passed a law which replaced Medicare with vouchers. The nation's elderly and disabled were told to go buy private policies. Since the vouchers were not enough to pay private insurance premiums, the rich added a little something extra in order to buy policies almost as good as Medicare. The poor elderly did not have that option. They were stuck with high deductibles, high co-payments, inadequate provider directories and a million hoops through which they had to jump if they wanted to get even bare bones necessary care. Since chronic illness and disability are the main causes of poverty in this country, those who needed health care most received the least. The mainstream media, which lead the attack on Medicare, suddenly began to report the horror stories. Elderly woman who had to drive 100 miles for her dialysis who died when her car broke down. Man who needed a cardiac bypass surgery told to come up with $20 thousand in cash before the hospital would put him on the OR schedule. Another needless death.

Oh my! said the corporate media. Something must be done.

And so all the sick, poor, needy elderly were placed on Medicaid, making them a state problem. This was possible, because the government had changed the Medicaid criteria to exempt retirement and SSI. Seniors who would have had too much money to qualify for Medicaid under the old formula now found themselves competing for the same funds that provided care for children and pregnant women. Only their needs were much,much greater than those of children and pregnant women. A child could get by,more or less, without its shots. A woman could have a baby without prenatal care. Most of the kids born that way would be healthy---more or less. But the poor, sick, needy seniors absolutely had to have their health care or they would die on the streets. States like Arizona and Florida, which already faced budget shortfalls, found themselves saddled with huge medical debt, beyond anything their tax base could ever support. Some states opted to ration services for seniors.However, these "death panels" were massively unpopular. And so, cash strapped states did what they did in the wake of the so called welfare reform movement of the 1990s for children----they began going after "deadbeat" young and middle aged adults, forcing them to pay their parents' medical bills, housing bills, food bills----

What's that you say? It could never happen in the United States? It's in the Constitution----no person shall be saddled with the debts of their mom and dad?

At one time, filial responsibility laws were far more common. As recently as the 1950s, 45 states and the federal government had them on the books. They began to erode during the New Deal, when the Social Security Act passed and the concept of government rather than familial responsibility started to take hold.

But 28 states still have filial responsibility laws: Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Idaho, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Montana, Nevada, New Hampshire, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia and West Virginia.

Sixteen of these impose civil penalties — they can come after your assets or income if you fail to support your parents. In the eight states where filial responsibility entails criminal penalties, a prosecutor could actually put you in jail. Four states take both approaches.


http://newoldage.blogs.nytimes.com/2010/02/26/ask-the-expert-parental-support-and-the-law/#h[]

These parental support laws became unnecessary after Social Security and Medicare. If these two programs are gutted, the states will go after the next of kin. That means a generation of working Americans will find themselves bankrupt paying for services for their parents. Medical poverty will become a multi-generational problem. If granddad is sick, the grandchildren will be in debt for the rest of their lives paying it off.

So, the next time a 20 something or 30 something or 40 something says "That's not my problem" when talking about Social Security and Medicare, remind them that it soon will be. If they say "the voters won't stand for it" remind them that the majority of (voting) Americans will be over 50



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laylah Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 05:09 PM
Response to Original message
1. Frightening! K&R!
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boston bean Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 05:11 PM
Response to Original message
2. nice post. thank you!
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BlueIris Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 05:14 PM
Response to Original message
3. Treatment of seniors in this country is AWFUL. As an adult child saddled with enormous
burdens as the result of providing care to my elderly not-even-on-Medicare-yet parents, I am appalled by the idea of how much worse it will get. It has already taken a big chunk out of my quality of life. It sickens me that no one cares about the older generations, or the consequences that this lack of care has on its younger ones.
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russspeakeasy Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 06:40 PM
Response to Reply #3
8. For those who have not been in this situation, it takes a toll
higher than you can imagine. My best to you BlueIris.:hi:
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InkAddict Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 08:28 PM
Response to Reply #8
11. Add that to the unemployment of the sons and daughters, who
contrary to many writers on the subject, forget that all children don't have siblings with which to share financial concerns, transportion, and the emotional roller coasters that can ensue when the parent becomes the child.
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russspeakeasy Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 10:42 PM
Response to Reply #11
12. You are so right. It's sad the number of lives that are affected
when a family member has a long term health problem.
We pay the most in the world for health care and I think we rate about # 30 in health care provided. And that's for the day to day stuff.
For long term care you have to be wealthy to pay for assisted living, etc., or completely broke so that you can qualify for medicaid.
More and more nursing homes are limiting the number of beds available to medicaid patients, so that leaves the family.
Long term care insurance is available, but you have to get it while you are healthy and it is pretty expensive.
Caring for a parent or spouse, or child that needs long term care has to be one of the most stressful events you will ever endure...
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Withywindle Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 04:05 PM
Response to Reply #11
31. Thank you for pointing this out!
I am an only child, and still single in my 40s. My own wages are just above poverty level. I want very, very much to do everything I can to help my parents out when and if they need it, including moving to be with them. (Can't move 'em in with me - I live in a small rental apt with roommates) But I'm worried about whether there'll be anything I CAN do. And I will be facing it alone.
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snot Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 05:26 PM
Response to Original message
4. Helpful; but why assume the corp. media would report the needless deaths?
Edited on Sat Nov-26-11 05:28 PM by snot
I think it was news to most when Alan Grayson stated in Congress that 40,000 die in the US each year for lack of healthcare.
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Starry Messenger Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 05:33 PM
Response to Original message
5. k&r
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russspeakeasy Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 05:48 PM
Response to Original message
6. I wish I could recommend this a 1000 times.
If you haven't been through it, it is nothing to look forward to. If you have been through it, I'll bet you remember it.
It is a giant MOFO.
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truedelphi Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 08:17 PM
Response to Reply #6
10. You are exprssing my thoughts and feeligns exactly
Edited on Sat Nov-26-11 08:17 PM by truedelphi
Fifteen years ago, as an elder care worker, I saw doctors who specialized in geriatric patients refusing new patients. They simply could not afford to hire enough staff to take on the burden of trying to deal with the MediCare paperwork. And now that the onerous cuts are on the providers - I can't envision it.

But on the surgery side of things, MediCare must pay well - at least one pair of doctors was prescribing triple and quad bypass surgery here in Calif., to patients who didn't need it at all. I cannot think of anything crueler than that - to put someone through such an invasive surgery just for profit.

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ceile Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 05:50 PM
Response to Original message
7. K&R!
bookmarking for later reading.
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indepat Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 08:03 PM
Response to Original message
9. Killing us softly with their RW governance and they obviously don't give a
rat's ass. Call it the ugly thing that it is: a premeditated plan of creeping state-sanctioned euthanasia while the billionaire hedge-fund managers continue to enjoy their state-sanctioned 15% tax bracket. :patriot:
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Lyric Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 11:00 PM
Response to Original message
13. Not exactly. Filial responsibility laws are state laws. Federal law trumps them.
And federal law (U.S. Code Title 42 §1396a(a)(17)(D)) forbids states from holding anyone save for a spouse financially responsible for the debts of anyone applying for Medicare, Medicaid, or any poverty program.

So if your parents receive benefits from Medicare, Medicaid, Food Stamps, or any other social program, you're probably safe. At least until that particular federal law is repealed.
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spedtr90 Donating Member (459 posts) Send PM | Profile | Ignore Sun Nov-27-11 12:44 AM
Response to Reply #13
15. It would be repealed - to allow government to fit in the bathtub.
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LWolf Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Nov-26-11 11:05 PM
Response to Original message
14. I never thought that. That's my mom's plight, which makes it mine. nt
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JDPriestly Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 03:50 AM
Response to Original message
16. K&R
Maintaining Social Security and Medicare are absolutely vital for everyone in our country.

Those programs do not just exist to help the elderly. They help the children of the elderly. That probably means you if you are under 45.
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fasttense Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 08:26 AM
Response to Original message
17. Well if you can inherit wealth, why not the inheritance of debt?
In Saudi Arabia if your parents or other relatives have a debt and don't pay it back, they will come for you.

The idea that you can inherit debt use to be very common in the 1800.

Being an orphan then was actually a positive.

I think we are slowly slipping back, soon we will fall all the way back to the dark ages.

So if you resent your Baby Boomer parents, who were the 1st generation to pay for both their parents and their own retirements through Social Security, for taking out their own social security retirement money, think twice. That Social Security money they are receiving could be your new debt.
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McCamy Taylor Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 03:20 PM
Response to Reply #17
25. When the kids of bank CEOs inherit their parents' debts (but not the bailout) THEN we can
start talking about letting the grandkid's pay off granddads quadruple bypass with a long term, high interest loan that will take them forty years to pay off.
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woo me with science Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 10:19 AM
Response to Original message
18. K&R SHAME on our government.
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Marnie Donating Member (706 posts) Send PM | Profile | Ignore Sun Nov-27-11 12:40 PM
Response to Original message
19. As if there were no better humane reasons.
The younger generations will be paying much much more to care for their grandparents and parents in their old age.

Then there is theappearance of the weakining of the US and its ability to enforce its oversees policies to people like Osama bin Laden, for example.
He saw a nation ruled by a tiny percent of the population and he attacked that tiny percent knowing full well that they would be more than willing to bankrupt their own country just to get revenge.

Our weakness as a nation is not how strong we are overseas, it is how strong we are at home.
If there is a class war in this country we can look to avrice of the 1%/bin Laden as its cause.
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mick063 Donating Member (80 posts) Send PM | Profile | Ignore Sun Nov-27-11 01:06 PM
Response to Reply #19
20. Entitlements are already dead.

I want them but even the best intentions can't save them now. The government is broke and lenders are drying up fast.

We are headed to martial law.


Watch:

http://finance.moneyandmarkets.com/roi/vsp-smr2-1999.php?s=G100&e=4706103&ga_campaign=American+Apocalypse+ROI+Content&ga_adgroup=Us+Financial+Crisis&ga_keyword=content&gclid=CP2HsNmh16wCFQZbhwodg0uJqQ
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nineteen50 Donating Member (488 posts) Send PM | Profile | Ignore Sun Nov-27-11 02:45 PM
Response to Reply #20
23. There was 10s of trillions loaned to the banks and corporations
at very low to 0 interest find out what they did with it and
make them loan it or pay off the toxic waste. If not
nationalizes the banks split them up into smaller fail-able
and jail-able units while nationalizing the federal reserve at
the same time..
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Iwillnevergiveup Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 02:19 PM
Response to Original message
21. After my 90 year-old mother's death on the 4th of July
my 90 year-old dad moved in with me. They had been living independently, but he is much too frail to be by himself. He has a modest nest egg along with Social Security, and his main concern is leaving "something" for me and my brother. I told him we have to reach an agreement whereby what's mine is his and what's his is mine and that the greatest gift he could give us would be to spend it ALL down, mostly on him! Sure, my quality of life has drastically changed, but his has drastically improved. So I can say the same goes for me.

Hearts afire for all the caregivers - family and otherwise.

K&R
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McCamy Taylor Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 03:25 PM
Response to Reply #21
26. If my mom ever gets frail, I want to be her caregiver, too. However, some families do not have that
option. What if the adult children are poor and disabled and they can not drive mom to her appointments? And their community has no public transportation (like the city of Arlington, Texas)? What if they are caring for disabled children and there is no extra room in the house? What if both spouses work two jobs each just to pay the mortgage? Caring for an elderly relative is also a stepping stone to poverty in this country. The wife quits work to stay home and be the unpaid caregiver. At the same time, the family helps pay the deductible/drug charges etc. for the elderly relative. The result is a huge loss of income for the family, which may also be supporting a couple of grown kids who can not find jobs. If they miss a mortgage payment three generations are out on the street.
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Bozita Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 02:22 PM
Response to Original message
22. Huge K&R!
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defendandprotect Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 03:03 PM
Response to Original message
24. kr
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McCamy Taylor Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 03:38 PM
Response to Original message
27. Here are some examples of how this kind of system could go wrong.
Edited on Sun Nov-27-11 03:39 PM by McCamy Taylor
1. The mom who abandoned you and your dad when you were little ends up in a hospital with a severe critical illness that puts her in a nursing home. She has no other family, so the state comes after you and starts taking your wages to pay for her nursing home care the way they would garnish your wages if you had a child that was going to need SSI. Except that you owe your child and you don't owe a thing to your deadbeat mom. This really happened in Canada this year.

2. The dad who killed your mom in front of you when you were a child is released from prison and goes straight to a nursing home. The state goes after you (his only child) to pay the bill. While a lawyer can probably get you out from under that debt in the long run, in the short run the state will go after your wages, your property etc. Because the state will pay someone to collect money for elderly care and the someone who gets a percentage of every dollar collected will not care how they get their money.

3. Private health insurer will refuse to cover some experimental treatment for mom or dad. The hospital will insist that the treatment be provided (in order to protect itself from a bad outcome or maybe just to make some money). It will be easier for the hospital to sue you (or get the state to sue you) than it would be to get the money from the private insurer which is well lawyered. The elderly relative may try to decline the treatment, but the hospital will get a court order saying that he or she is not competent. The treatment is provided. The elderly relative dies anyway---and now the hospital's collection agency goes after you, your wage, your assets, the way they would go after you for your own or your children's medical debt.

4. State has cozy relationship with nursing home. Adult protective services starts yanking the elderly out of their family homes and putting them in nursing homes and requiring that the relatives fork up tens of thousands of dollars they do not have. State employees have relatives working for the nursing home corporation. It is a very cozy relationship. For those who think this could not happen, check out the areas of Kentucky where children are taken from parents and put into foster care for little or no reason because it makes the locals money.
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cpamomfromtexas Donating Member (453 posts) Send PM | Profile | Ignore Sun Nov-27-11 03:52 PM
Response to Original message
28. Solution- government funded medical school- free training for docs
Needs to be set up with clinics waiting to be occupied by these new graduates. Staff paid by govt as well eliminating overhead for docs
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McCamy Taylor Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 03:55 PM
Response to Reply #28
30. Free training for docs who go into primary care. That's where the shortage is.
In the short run, we can import lots of English fluent doctors from India---except that the AMA would have a screaming shit fit.
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WillyT Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-27-11 03:54 PM
Response to Original message
29. K & R !!!
:kick:
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