The Oklahoma City Police Department’s Triad program has been around for close to 18 years. Triad is a program which provides a joint approach to crime issues which affect older citizens and provides the enhanced delivery of law enforcement services to our more mature population. Triad sponsors crime prevention and victim/witness programs for older persons, offers reassurance programs for older persons to reduce fear and provide moral support; provides a forum for law enforcement and the community to share needs, concerns, and develop solutions. TRIAD unites senior citizens, sheriffs and local police to identify problem areas for senior citizens in order to develop and implement community-wide solutions.
The Oklahoma City Police Department started the Triad program in November 2001. Sheryl Presley is the department’s Triad coordinator and runs the Triad groups in the metro. Triad North meets the second Thursday of the month at 1:30pm at India Shrine. Triad South meets the third Thursday of the month at 1:30pm at Woodson Senior Center 3401 S May, and Triad East meets at our Springlake Station (4116 N. Prospect) on the third Monday of each month at 10:00am (except January & February when the meetings are bumped to the fourth Monday of the month). There are no meetings in September & December. Each meeting typically features a guest speaker who provides informative information. Current scams and frauds targeting senior citizens are also discussed.
Tax season is a time when we see IRS scam ramp up. Seniors are targeted primarily because they are viewed as easy prey. Usually the scammer will call from a number they have spoofed to make it look like it is the IRS calling. The caller will usually say something like they are with IRS and you owe them money. The victim, thinking that it is the IRS, reacts out of fear and suddenly believes that they had better pay the IRS. First, the IRS will never call you if you owe them money. Second, the IRS will not threaten you and tell you that you have to pay them right now. If you owe money to IRS, they will send you a letter in the mail. If you choose to ignore it, they will send you another letter. If you still ignore the letter, then the IRS will turn your case over to a collection agency. This type of scam is something we go over in our meetings with our Triad members and talk to them about what to do. You can also report the call to the IRS impersonation scam line at 1-800-366-4484 or website at www.tigta.gov.
Scammers also use a ploy known as phishing to obtain your personal information. Phishing scams are typically carried out by a scammer sending you an email that claims to be from a financial institution, business, or a government entity like the IRS. The email usually asks for personal identifying information such as your date of birth or your social security number. It is not uncommon for the scammer to ask for your credit card number or the PIN from you debit card. Never give out this type of information to anyone who requests it in the form of an email. Again, the IRS will not send you an email claiming that you owe them back taxes.
This is but one of several IRS scams of which senior citizens should be mindful. Over the past few years, we have seen a trend of thieves stealing identities to fraudulently obtain IRS refund checks. It begins when a scammer assumes someone else’s identity and then fills out a tax a tax return in that person’s name. The IRS then sends the scammer victim’s tax refund check, and since they have already assumed
the victim’s identity, they simply cash the check and pocket the money. Please remember that if something seems suspicious, always err on the side of caution and call police.
A great way for senior citizens in our community to stay current on the latest scams and threats is to get involved in Triad. Having knowledge of scams and crimes targeting the elderly is a great way to help yourself stay safe.
If you have questions regarding Triad, please contact Sheryl Presley at 316-4336. Sheryl is also available at no charge to give presentations on scams, identity theft, mail safety, neighborhood safety, personal and home safety, holiday shopping tips, purse safety, and elder abuse.

Oklahoma Insurance Commissioner John D. Doak is praising the ruling by a federal judge that the Affordable Care Act is unconstitutional. Judge Reed C. O’Connor said the tax bill passed by Congress in Dec. 2017 effectively rendered the entire health law unconstitutional because it eliminated the penalty for not having insurance. O’Connor, judge of the United States District Court for the Northern District of Texas, ruled that without that penalty, the law was no longer valid.
“I applaud the decision by Judge O’Connor to rule that the ACA is unconstitutional,” said Doak. “It offers an opportunity to refocus efforts on choice, affordability and consumer protections, elements that have been absent in the marketplace since the inception of the ACA. Whether the ruling is upheld through the appellate process or not, it is now time to apply sensible free market alternatives and fix the ACA problems legislatively. Part of this strategy should be the promotion of consumer alternatives such as association health plans and short-term limited duration plans.”
The administrator of the Centers for Medicare & Medicaid Services, which oversees federal insurance exchanges, said the ruling will have no impact to current coverage or coverage in a 2019 plan. An appeal is expected in the case which will likely end up in the Supreme Court.

Dear Savvy Senior,

What are the eligibility requirements to get Medicaid coverage for nursing home care?

Caregiving Daughter

Dear Caregiving,
The rules and requirements for Medicaid eligibility for nursing home care are complicated and will vary according to the state where your parent lives. With that said, here’s a general, simplified rundown of what it takes to qualify.
Medicaid Eligibility
Medicaid, the joint federal and state program that covers health care for the poor, is also the largest single payer of America’s nursing home bills for seniors who don’t have the resources to pay for their own care.
Most people who enter nursing homes don’t qualify for Medicaid at first, but pay for care either through long-term care insurance or out-of-pocket until they deplete their savings and become eligible for Medicaid.
To qualify for Medicaid, your parent’s income and assets will need to be under a certain level that’s determined by their state. Most states require that a person have no more than about $2,000 in countable assets that includes cash, savings, investments or other financial resources that can be turned into cash.
Assets that aren’t counted for eligibility include their home if it’s valued under $560,000 (this limit is higher – up to $840,000 – in some states), their personal possessions and household goods, one vehicle, prepaid funeral plans and a small amount of life insurance.
But be aware that while your parent’s home is not considered a countable asset to determine their eligibility, if he or she can’t return home, Medicaid can go after the proceeds of their house to help reimburse their nursing home costs, unless a spouse or other dependent relative lives there. (There are some other exceptions to this rule.)
After qualifying, all sources of your parent’s income such as Social Security and pension checks must be turned over to Medicaid to pay for their care, except for a small personal needs allowance – usually between $30 and $90.
You also need to be aware that your parent can’t give away their assets to qualify for Medicaid faster. Medicaid officials will look at their financial records going back five years to root out suspicious asset transfers. If they find one, their Medicaid coverage will be delayed a certain length of time, according to a formula that divides the transfer amount by the average monthly cost of nursing home care in their state.
So if, for example, your parent lives in a state where the average monthly nursing home cost is $5,000 and they gave away cash or other assets worth $50,000, they would be ineligible for benefits for 10 months ($50,000 divided by $5,000 = 10).
Spousal Protection
Medicaid also has special rules for married couples when one spouse enters a nursing home and the other spouse remains at home. In these cases, the healthy spouse can keep one half of the couple’s assets up to $120,900 (this amount varies by state), the family home, all the furniture and household goods and one automobile. The healthy spouse is also entitled to keep a portion of the couple’s monthly income – between $2,030 and $3,022. Any income above that goes toward the cost of the nursing home recipient’s care.
What about Medicare?
Medicare, the federal health insurance program for seniors 65 and older, and some younger people with disabilities, does not pay for long-term care. It only helps pay up to 100 days of rehabilitative nursing home care, which must occur after a hospital stay.
Find Help
For more detailed information, contact your state Medicaid office (see Medicaid.gov for contact information). You can also get help from your State Health Insurance Assistance Program (see ShiptaCenter.org), which provides free counseling on all Medicare and Medicaid issues.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.