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Do you have comments or concerns about your Medicare coverage? Issues regarding getting your needed prescriptions from your Part D plan, or a Medicare Advantage plan representative's marketing practices? Let us know at .

We are dedicated to making Medicare's program work well for all beneficiaries. Your feedback from your own or your client's concerns and experiences with Medicare, will guide our Medicare advocacy efforts with key policy and decision-makers in both California and nationally with the Centers for Medicare and Medicaid Services (CMS) and Congress.

  • 03Feb

    Ready to be inspired?! This short video by Lifetime Arts organization shows how we can all turn “fearful aging” into “artful aging”…and revise our cultural beliefs and attitudes about age and aging to be a time of life, giving, blossoming and creativity! Please share!

    Learn more about Lifetime Arts, an organization that offers a positive, modern, artistic and social lens through which to serve, inspire and engage America’s growing population of older adults.

    The Wall with Credits from Spoke on Vimeo.

  • 26Jan

    Hold the date! On Feb. 17, the Leadership Council of Aging Organizations (LCAO) will sponsor Seniors Decide 2016, the nation’s only forum where all of the presidential candidates are invited to address issues that are important to America’s older adults.

    The forum will be held less than 2 weeks before Super Tuesday, March 1, when 15 states go to the primary polls. Find out when your state votes.

    You’re invited to participate in this national event! Below are some details posted on the National Council on Aging’s website:

    4 ways to get involved in Seniors Decide 2016:

    1. Sign up to watch the forum live

    The forum will be live-streamed on Feb. 17 starting at 1 p.m. ET. Let LCAO and the candidates know that you’ll be watching by signing up at LCAO will post a running list to show the candidates all of the communities nationwide that are participating.

    2. Urge the candidates to attend

    Join LCAO members in encouraging all of the presidential candidates to take part in this important forum.

    The message is simple: The 72-member Leadership Council of Aging Organizations is convening Seniors Decide 2016, the nation’s only presidential candidate forum focused on issues important to our nation’s older adults. I’ll/We’ll be watching. Will you be there?

    Send this message to the candidates via:

    • Social media: You can find all of the candidates’ social media contact information Remember to use the handles of NCOA (@NCOAging) and LCAO (@LCAgingOrgs) in your messages.
    • Video: Record a video urging the candidates to participate. Visit to learn how to share it with LCAO. Don’t forget to promote it via social media too!

    3. Submit questions for the candidates

    We want to make sure that funding for the Older Americans Act (OAA) and financing for Long-Term Services and Supports (LTSS) aren’t left out of the discussion. Help us build a groundswell of support by promoting questions on these critical topics.

    Submit your questions via video, social media posts, and on Here is some sample language to use:

    Older Americans Act: Services for vulnerable seniors have been drastically underfunded, and cuts in recent years are putting all nondefense discretionary funding on a path toward historic lows. What will you do to eliminate the threat of automatic sequester cuts and make overdue investments in programs that support seniors’ health and economic security, including those of the Older Americans Act, elder falls prevention, and elder justice?

    Long-Term Services and Supports: The number of Americans needing long-term care will more than double, from 12 million to 27 million, by 2050. Few Americans have any protection against the high costs of long-term care. Medicare does not cover it, and private long-term care insurance is unaffordable for middle-class families. Seniors and people with disabilities are forced to impoverish themselves to get assistance from Medicaid. With the aging of the U.S. population, how would you recommend the country address financing for long-term care?

    4. Host a watch party

    The forum will be live-streamed on Feb. 17 starting at 1 p.m. ET, and a recording will be posted online after the event. Host a watch party during or after the forum. Use the Watch Party Kit on for tips.

    Here’s a bit more info on Seniors Decide…

    Seniors Decide 2016 is a forum developed by the Leadership Council of Aging Organizations to provide a fair and unbiased platform for sharing the views of candidates for President of the United States on policies and programs affecting older Americans. The 72 member organizations that make up the LCAO represent a diverse membership of older Americans and their caregivers, and professionals engaged in the public policy arena.

    Civic-minded older Americans make up an increasingly larger proportion of the electorate, particularly in presidential election years. Truly, seniors will play a decisive role in determining who America’s next President will be.

  • 22Jan

    As the tax season approaches, below is an article from AARP on what to watch out for with IRS scams.

    In addition, join us to learn more on telemarketing health care fraud during our free webinar on Thursday 1/28 at 10 a.m. Tracey Thomas, Attorney with the Federal Trade Commission’s Bureau of Consumer Protection will discuss telemarketing health care fraud, including scams involving Medicare, the Affordable Care Act, prescription discount cards, and medical discount plans. She will also discuss new rules and restrictions recently added to the Telemarketing Sales Rule that can provide additional protection for consumers.

    Coming Soon: IRS Private Debt Collectors and Scammers too!

    With tax season kicking off this month, the IRS is gearing up. And you can be sure the scammers are gearing up too! And this year, you need to be aware of a new twist.

    As part of the “FAST Act” (for Fixing America’s Surface Transportation Act) signed in law last month by President Obama, the IRS is now required, versus permitted, to use private collectors to help recoup owed tax debt. See Section 32102 of this five-year infrastructure spending bill.

    As of last October, the Treasury Inspector General for Tax Administration already received 736,000 complaints about fraudsters posing as IRS agents who claim that back taxes are owed. Unless immediately paid by wire transfer or prepaid debit card, these scammers threaten arrest, deportation and seizure of property —  and already successfully swindled at least $23 million in two years. This IRS Imposter scam closed 2015 as the most reported ruse to our Fraud Watch Network Helpline (877-908-3360 toll-free) and others.

    Since the scam first surfaced in October 2013, the IRS has repeatedly stressed that “we will not call about taxes you owe without first mailing you a bill.” But legitimate debt collectors do phone — along with scammers.

    Although there’s no firm start date, private collectors are slated to start working on behalf of the IRS early next year. But at least for now, assume that any call from a self-described IRS private collector is, in fact, a scammer.

    Here’s what to know if contacted about delinquent taxes by an IRS private collector:

    • Private collectors for the IRS cannot accept direct payments — all payments should be made to the U.S. Treasury. The agency will not require specific types of payments such as wire transfers or prepaid debit cards. Scammers prefer these methods because they are hard to trace and can be redeemed anywhere in the world.
    • Unless the IRS has an incorrect address, both the agency and its private collectors should first make contact by mailed letter. In a recent interview, IRS Commissioner John Koskinen told the Washington Post: “If you are surprised to be hearing from us, you’re probably not hearing from us because you won’t hear from us first by phone.”
    • Those who owe tax debt but cannot pay in full will be offered an installment plan for up to five years. If five years isn’t enough, “the collector asks for taxpayer financial information to see what sort of deal the taxpayer should get,” explains Robert W. Wood, who covers taxes and litigation for Forbes.
    • The same rules on other collectors apply: No calls before 8 a.m. or after 9 p.m. You must be sent a written “validation notice” telling you how much money you owe within five days after first contact. No harassing, abusive or threatening language allowed.
    • Certain tax bills (and therefore phone calls) cannot be handled by private collectors for the IRS: those for taxpayers who are deceased, under age 18, in a designated combat zone, or a victim of identity theft. Debtors currently in audit, litigation or criminal investigation are also off-limits to third-party hired guns.

    Want to learn more about how to protect yourself from tax identity theft and other tax scams? On Tuesday January 26th at 2:00 PM (EST), tune into a webinar hosted by AARP Foundation Tax-Aide, AARP Fraud Watch Network and the Federal Trade Commission. Learn how tax identity theft happens, how to minimize the risk of becoming a victim, and what to do if you become a victim.

    Go here to join the webinar and enter the event number 742 961 449 or listen in by calling (855) 242-0891.

    You can protect yourself from con artists tricks by signing up for the AARP Fraud Watch Network. Receive free email alerts with tips and resources to help you spot and avoid identity theft and fraud, and gain access to a network of experts, law enforcement and people in your community who will keep them up to date on the latest scams in your area.

  • 16Dec

    Medicare’s Open Enrollment period is over, yet some people may have some options for changing coverage. This article provides a Q&A to review these options, including for people whose Medicare Advantage and/or Part D plan is terminating December 31, 2015.

    Even though Medicare’s Open Enrollment is over, can I still enroll in a new plan if my Medicare Advantage/Part D plan is terminating? Did I miss the boat?

    Yes, if your MA or Part D plan is terminating December 31, 2015, you have a Special Election Period (SEP) to enroll into a new plan between Dec 8 and Feb 29. Your plan should have mailed notice of its termination by Oct 2nd explaining your rights, including this SEP. Any plan change you make is effective the first of the following month. You can enroll into a new plan only once during this SEP. See our section on When Medicare Advantage Plans Terminate Coverage for more info.

    Do I have a right to buy a Medigap policy if my MA or Part D plan is terminating?

    In California, if your Medicare Advantage plan terminates, you have a guaranteed issue right to buy a Medigap policy. But if your stand-alone Medicare Part D plan terminates, you do not have a guaranteed issue right to buy a Medigap policy. A guaranteed issue right means you may buy a Medigap policy without health screening, without a waiting period and at a similar price charged for other people your age. You can buy plan A, B, C, F (including high deductible plan F), K, L, M or N. Note: If you are younger than 65 and have Medicare solely because you have End Stage Renal Disease (ESRD), you do not have this right.

    You may apply for one of these guaranteed issue Medigap policies anytime after the MA plan notifies you of its termination. You have up to 123 days after your Medicare Advantage plan benefits actually end to apply. See our website section on guaranteed issue rights for more info.

    What if my planis NOT terminating, but I missed Medicare’s Open Enrollment andneed to make a change? Are there other timesI can switch my Medicare Advantage and/or Part D plan?

    Below is a summary of some of the other times and situations beneficiaries can change their coverage.

    Medicare Advantage Disenrollment Period (MADP)

    If you’re in a Medicare Advantage plan, you can disenroll from your plan and return to Original Medicare anytime between January 1 – February 14. You are also given a Special Election Period (SEP) to enroll in a Part D plan during this 6-week period. But you may not enroll in a Medicare Advantage plan at this time.

    Your MA plan disenrollment becomes effective the first day of the following month. We encourage you to enroll in a Part D plan at the same time you disenroll from your MA plan in order to avoid any gap in drug coverage. For example, if you disenroll from your MA plan on January 28 and enroll in a Part D plan on February 1, you would return to Original Medicare on February 1, but wouldn’t have drug coverage until March 1. Alternately, if your MA plan has drug coverage (a Medicare Advantage Prescription Drug Plan – MA-PD), enrolling into a new stand-alone Part D plan will automatically disenroll you from your MA plan.

    5-Star Medicare Advantage or Part D Plan Special Election Period

    If there is a Medicare Advantage or Part D plan in your area with an overall plan performance rating of 5 stars, and you’re otherwise eligible to enroll in the plan, you have a Special Election Period to join that plan. Medicare posts plan performance ratings each fall on their website and the ratings apply for the following calendar year. Your SEP is from December 8 through November 30. Your new coverage will become effective the first day of the following month. You can use this SEP to enroll in a 5-star plan only once during the SEP. See Medicare’s Plan Finder Tool to search for 5-star plans in your area.

    Ongoing Special Election Period Right for People with Extra-Help

    If you are eligible for the Part D Extra Help (that helps pay your Part D expenses), you can change your Medicare Advantage and/or Part D coverage on a monthly basis. Those eligible for Extra Helpinclude people who have full Medi-Cal or a Medicare Savings Program (Qualified Medicare Beneficiary, Specified Low Income Medicare Beneficiary or Qualifying Individual). If your income is at or below 150% of the Federal Poverty Level, you may qualify for Extra Help if you also meet the resource requirement. You can apply for Extra Help online at the Social Security website, or contact your local Health Insurance Counseling and Advocacy Program (HICAP) for help with the application.

    Other Special Election Periods (SEPs)

    You may have a SEP to switch your Part D or Medicare Advantage plan in the following situations:

    • If you move out of your plan’s service area
    • Your plan violates its contract with Medicare (including marketing misconduct)
    • You are in a plan with a low-rating (less than 3 stars) or
    • You move in or out of a nursing facility.

    See our list of events that trigger such a SEP for more information.

    If you have any questions with this information and your Special Election Period rights, please contact your local Health Insurance Counseling and Advocacy Program (HICAP) for free, individual and unbiased counseling at 1-800-434-0222.


  • 14Dec

    Yes, Medicare scammers try all kinds of tactics to get your identity and Medicare’s money. Yet, while the color and flavor of these tactics may vary, if you follow these simple tips, you can spot and avoid most any Medicare fraud scheme.  A dynamic duo, two of our dedicated Senior Medicare Patrol volunteers serving in Kings and Tulare counties, Joyce and David Rugeroni put together this short, handy list of reminders.

    This is a pic of them below - Joyce on the left and David on the right.


    Handy Tips to Avoid Medicare Fraud

    Anytime you are asked for your Medicare information the product is not FREE

    Never confirm your Medicare card information on the phone to strangers

    Guard your Medicare card as you would your credit card or ATM card

    Never return cards asking you to confirm your Medicare information

    Asking for your bank account information is not part of Medicare

    Beware of anything Medicare related which looks too good

    Do not discuss Medicare with a door-to-door salesman

    Do not accept gifts in return for Medicare information

    Medicare NEVER phones you or comes to you

    Remember nothing in Medicare is FREE

    Guard your Medicare Card

    See the Medicare Fraud section of our website for more information on ways to protect yourself from and how to detect it. If you come across any suspicious activity, please report it to our Senior Medicare Patrol at 1-855-613-7080.

  • 03Dec

    Procrastination is a common human trait, and if that’s one you or someone you know has applied to the sometimes-daunting-task of reviewing your health care options for 2016, now is the time to take action.

    Medicare’s open enrollment period ends Monday Dec 7. Each year this open enrollment period, also known as the Annual Election Period (AEP) is from October 15 – December 7. It’s a time where you can review your current health and prescription drug plan, review any cost and benefit changes for 2016, compare it to other options that may better suit your needs (including returning to Original Medicare), and make a change. Any changes must be made before midnight on Dec 7 and are effective Jan 1.

    Some people confuse Medicare’s open enrollment with the open enrollment for Health exchanges or Marketplaces, like Covered California. Their open enrollment is Nov 1, 2015 to Jan 31, 2016.

    To learn more about Medicare’s open enrollment and your options, see our webpage on the AEP.

  • 18Nov

    With Thanksgiving upon us and the end of 2015 approaching, this is a good time to reflect on all the goodness in our lives and around us. We can look back and reflect on the challenges, lessons, successes, experiences, and blessings that have unfolded and see a bigger picture or perfection shining through. This reflection, feeling and giving of gratitude is a strong medicine. And it’s free and unfettered by the maze of Medicare and insurance plans! :) It feeds our heart and spirit and nourishes those around us too.

    Below is a short, powerful gratitude song to the world inspired by a 21-day gratitude challenge that had over 11,000 participants from 118 countries. May you enjoy it, maybe even dance to it with your friends and loved ones and enjoy a very Happy Thanksgiving and a happy grateful day everyday! Thank you for all you do in the world!

    Grateful: A Love Song for the World

    Some background on the song:

    Musicians Nimo Patel and Daniel Nahmod brought together dozens of people from around the world to create this beautiful, heart-opening melody. Inspired by the 21-Day Gratitude Challenge, the song is a celebration of our spirit and all that is a blessing in life. For the 21 Days, over 11,000 participants from 118 countries learned that “gratefulness” is a habit cultivated consciously and a muscle built over time. As a famous Roman, Cicero, once said, “Gratitude is not only the greatest of virtues, but the parent of all others.” This soul-stirring music video, created within a week by a team of volunteers, shines the light on all the small things that make up the beautiful fabric of our lives. – See more at:

    Written and produced by Nimo Patel and Daniel Nahmod.

    Video from KarmaTube

  • 12Nov

    This year, on Tuesday, December 1, 2015, we at California Health Advocates (CHA) are participating in #GivingTuesday, a global day dedicated to giving. Coming together with a unique blend of partners—nonprofits, businesses and corporations as well as families and individuals—to transform how people think about, talk about and participate in the giving season, we invite you to join us and consider giving to CHA! Any gift is doubled thanks to the matching grant of an anonymous donor of up to $1,000.

    Last year, more than 27,000 organizations in 68 countries came together to celebrate #GivingTuesday.  Since its founding in 2012, #GivingTuesday has inspired giving around the world, resulting in greater donations, volunteer hours, and activities that bring about real change in communities.

    Falling the the Tuesday after Thanksgiving, Black Friday and Cyber Monday, this day of generosity celebrates and provides incentives for people to give. It inspires people to take collaborative action to improve their local communities, give back in better, smarter ways to the charities and causes they celebrate and help create a better world. Through the #GivingTuesday movement, we can harness the power of social media to create a global moment dedicated to giving around the world.

    Please join us in this global movement of generosity and giving back and consider making a tax deductible donation to California Health Advocates. And as you prepare for the holidays, you can also support California Health Advocates through making purchases through AmazonSmile. It’s the same Amazon, yet by purchasing through AmazonSmile, Amazon donates 0.5% of the price of your purchase to CHA.






  • 09Nov
    SHIPs are facing an unprecedented 42% funding cut: Tell your legislators to vote no! 

    Send an email now

    In July, Medicare advocates were shocked and outraged that the Senate Appropriations Committee proposed a 42% cut in funding for the Medicare State Health Insurance Assistance Programs (SHIPs), from $52 million to $30 million. Now, Congressional leaders are deciding whether to retain this cut.

    This is the largest cut ever proposed in the history of the SHIP program. It would significantly erode the national SHIP network of unbiased, personalized Medicare benefits information counseling. In California, our SHIP is the Health Insurance Counseling and Advocacy Program, a program that serves our state’s 5 million Medicare beneficiaries, professionals and family members.

    Here’s how you can help:

    • If you can advocate: Email your Senators and Representative NOW and urge them to reject the proposed Senate cut in SHIP funding, and provide level funding of $52 million, as the House Appropriations Committee has recommended.
    • If you cannot advocate: Read and share details about the SHIP cut and upcoming Congressional process.
    • If you know others who can advocate: Please forward this alert from the National Council on Aging to them.

    The more emails we send to Congress, the better our chances for success. Please share this message widely with other Medicare advocates and beneficiaries in your state! Thank you!!

    This alert is provided by the National Council on Aging, November 9, 2015.

  • 02Nov

    Only 1% of people aged 65-74 live in a nursing home, according to the Census Bureau. Most people live in their home and desire to stay in their community as they age. The challenge is, as people age, they often need some assistance with daily activities of living, such as bathing, cooking, cleaning, dressing, etc. And few people plan for how to find and finance this kind of care. Many erroneously assume Medicare covers home care services, yet Medicare only covers certain services that are medically necessary, usually as part of a hospital discharge/rehabilitation plan. Below is a recent NY Times article addressing the terrain and challenges of navigating home care, gives an overview of expected costs, and some resources for more information. Bonnie Burns, our Training and Policy Specialist is also interviewed and quoted.

    Learning the Unfamiliar Language of Home Care

    GIVEN the tens of millions of people in retirement or about to enter it, it’s surprising how few plan for something most of them will eventually need: help doing basic tasks at home. But perhaps it is not so surprising: It’s like learning a difficult new language late in life.

    Only about 1 percent of those aged 65 to 74 live in nursing homes, the Census Bureau reports. Most retirees continue to live at home as they age, even though many do not have relatives nearby to assist them as it becomes harder to handle daily activities because of declining health, mobility or cognitive difficulties.

    Of those who need the help most, many won’t admit they need it or obtain assistance willingly on their own. They fear loss of independence and becoming a burden to their families. This is an issue I’m facing in my own family and it’s difficult to navigate.

    For most older people, it is far preferable to stay at home rather than enter a nursing home. But it isn’t easy to make it work. Just ask Coleen Wagner, who lives in Saratoga, Calif., and has helped several relatives find home care. That includes, most recently, her mother-in-law, who was 85 and had dementia at the time. She has since died.

    “We went through six people,” Ms. Wagner said, “And most stayed only a few months. It was difficult. Finally we found someone who was amazing. The caregiver also did gardening and cleaned up. We paid her $30,000 a year.”

    Home care, often referred to as caregiving or nonmedical in-home services, provides help with the activities of daily living. Professionals who perform these services may not need licensing or certification, although many are certified nursing assistants. Requirements vary from state to state.

    “Home care is about quality of life and ensures that chronic conditions are being addressed and gives family caregivers peace of mind that their loved ones are safe at home,” said Phil Bongiorno, executive director of the Home Care Association of America, a trade group. “A lot of people don’t know what home care is, but it’s playing an increasingly important role in maintaining the health and safety of seniors across the country.”

    Home health aides or assistants fill in the gaps for family members who either can’t be with a loved one or are unable to provide comprehensive services. Aides provide daily help with bathing, toileting, dressing, eating and shopping. They can stay for a few hours a day or overnight, depending upon the needs of the client. What they don’t do is provide nursing services, therapies or other medically related tasks, although they may assist with home health needs.

    The idea behind home care is to keep a person living independently at home for as long as possible. That will not only avoid the huge expense of an assisted-living facility or nursing home, but may lead to better overall health and quality of life.

    While continuing care communities offer a promising alternative for some, many require deposits of up to $1 million plus monthly fees running in the thousands of dollars. Providing home care is not only more cost-efficient, it’s least disruptive to loved ones.

    Mike Steiner, who is assisting his 94-year-old great-aunt Dorothy, sees home care as a way for her to remain in her home and relatively independent. He hired a veteran of the war in Afghanistan to care for her. At various times, he has also assisted his mother and stepmother with finding home care.

    Mr. Steiner, who served four years in the Navy and 20 years as a project manager for Motorola, turned his experience with his family into a business. When he was laid off from Motorola in 2012, he bought a Right at Home franchise, which now has 55 employees serving an area north of Chicago.

    Mr. Steiner’s great-aunt resisted in-home aid, but she eventually agreed. “The problem with me is that I’ve got a 50-year-old brain in a 94-year-old body and they just aren’t in sync anymore,” she told him. “I don’t really need a caregiver but I’m 94 years old and I’m going to indulge.”

    When deciding what kinds of home care services are needed, the first layer of decision-making is often dictated by medical professionals. If someone is being discharged from a hospital or rehab facility, they may need in-home medical care. That’s mostly covered by Medicare, but on a limited basis. Although there’s some local support for home care assistance, most Americans pay for it out of pocket. Some long-term care insurance policies may cover home care.

    Although regulated by the states in varying degrees, home health professionals are usually independent or employed by small private firms. Nearly five million Americans are being served by 12,000 home health agencies, which provide referrals in exchange for a portion of the service fee to clients, according to the Centers for Disease Control and Prevention. More than 80 percent are for-profit.

    Mr. Steiner’s firm charges $18 to $30 an hour, depending on the services needed. The highest rate is for 24-hour in-home care, where the assistant stays in the home. That typically averages from $250 to $500 a day.

    Nationally, home health aides and homemakers — the term for a professional who provides light housekeeping — charge a median rate of $20 per hour, according to a survey by Genworth, an insurance company. That compares with more than $220 a day for a nursing home and about $120 a day for assisted living.

    However you approach providing home care, keep in mind there are no uniform national or state standards. “It’s terribly fragmented,” said Bonnie Burns, a consultant with California Health Advocates. “We don’t have a system in this country for people who need this kind of care. That’s why we’re struggling.”

    To find home care support, you can contact local agencies or try county health departments or those providing services for the elderly. Internet searches will turn up a variety of agencies, although there’s no rigorous service rating system to evaluate these firms. The best advice often comes from someone from a family with personal experience.

    “It’s hard to get quality home care information and keep it up-to-date,” says Rosalie Kane, a professor at the University of Minnesota, who studies long-term care issues and needed home care services for her father and mother. “It’s caveat emptor.”

    When considering a home care company or professional for a loved one, you should insist that the firm do a thorough review of the daily needs of the client and offer a customized care plan. Make sure any agency or firm does complete background checks of its aides, has a quality control system and will handle any problems promptly and professionally.

    If you need specific medical services at home for yourself or a parent, the support system is much more elaborate. Medicare, for example, provides listings and evaluations of health care agencies through its Home Health Compare site. You can find nearby agencies through a ZIP code search and see patient care quality ratings and re-hospitalization rates. Medicare also covers some hospice care.

    When navigating the home care route, be prepared to roll with the punches. The person you’re trying to help may not want a stranger at home and may be mistrustful of the aide. Watch the situation closely and request changes if someone doesn’t work out. Finding the right person is often hit or miss.

    “It was a nightmare,” Ms. Wagner said of dealing with her mother-in-law, who thought people were stealing from her, believed nothing was wrong with her mind and didn’t want to pay for home services. “I just started calling people.”

    While it may take some time, finding a qualified home care professional is worth the effort. The right person can deal with the situation at hand and relieve some of the unrelenting anxiety and fear that vex a family when an older relative is living at home alone without support.


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