In-Person Explanations of New Health Insurance Program Outperform Web, Phone

In an era increasingly dominated by technology, a new study has underscored the importance of person-to-person assistance in a critical realm:  health insurance for chronically underserved populations. Consumers found it easier to get and use information from in-person assistance, and rated information from in-person assistance significantly better compared to information from a telephone helpline or the website of Access Health CT, Connecticut’s health insurance marketplace. In-person assisters played a crucial role in enrolling hard-to-reach, underserved populations, according to a study conducted by the Community Alliance for Research and Engagement at the Yale School of Public Health for the Universal Health Care Foundation of Connecticut.

The evaluation examined the enrollment experiences of people from underserved urban areas of Connecticut, and sought to evaluate the outreach and enrollment process from the perspective of consumers and the in-person assisters and navigators who worked with them.  In-person assistance provided a critical service for consumers who were unable to navigate the helpline and website, the study found.

As trusted resources in the communities where they worked, assisters were clearly valued by their customers.  The study shows high rates of satisfaction overall with the enrollment process and emphasizes that in-person assistance was preferred by customers when they were asked to compare it to their interactions with the website or helpline.

Consumers mostly heard about AHCT through ‘word of mouth’ and ‘family and friends’.  Other sources of initial awareness, cited less frequently, were news programs, tv commercials, newspaper ads, library, internet and radio commercials. 

Satisfaction with the application and enrollment processes was high among survey participants. Ninety-five percent of respondents reported that the application and enrollment process was "definitely" or "somewhat" easy.  Twenty-nine percent reported some dissatisfaction with the amount of time required to enroll in a health plan.

The study found thta 90 percent would "definitely" recommend Access Health CT (AHCT), and an additional 9 percent would "probably" recommend AHCT.

During the open enrollment period of October 1, 2013, to March 31, 2014, the federal government was the major funder of in-person assistance, providing over $2.5 million in funding to the program.  The reported noted that “This level of funding is no longer available, yet, the need for assistance, both for the upcoming open enrollment period (November 15, 2014, to February 15, 2015) and beyond, is great.”  Plans for continuing in-person assistance, offered at store-front facilities, are under consideration according to published reports, with specifics uncertain.

Consumers most often wanted to learn about the cost of plans and the availability of financial assistance for insurance premiums. Of consumers who did not enroll, the most common reason was the need for more information, according to the study.

The report also noted that "because Connecticut is a national leader in the implementation of the US health insurance marketplace, the Connecticut experience may inform policy in other states and at the federal level."

Connecticut Ranks #9 in MacArthur Fellows, Shows Net Gain of “Geniuses”

Each year, the MacArthur Foundation provides grants to some of the most talented minds in the country to provide them with the resources to pursue incredibly creative projects that just might change the world.  That’s why they’re often called the “genius awards.”  And it turns out that Connecticut ranks in the top 10 in recipients. Connecticut, with 18 recipients living in the state at the time of the award, ranks behind only New York (188), California (172), Massachusetts (107), Illinois (44), New Jersey (41), District of Columbia (32), Michigan (25), and Pennsylvania (22).  Tied with Connecticut ranking 9th is Washington state (18).

The MacArthur Foundation recently released data that shows where the 897 exceptionally creative individuals who have been recognized since 1981 were born, where they lived at the time they received the award and how mobile they are. This is the first time the data has been compiled and made publicly available.

This year's recipients will be announced on Sept. 17. The MacArthur Fellows Program awards unrestricted $625,000 fellowships to talented individuals who have shown extraordinary originality and dedication in their creative pursuits and a marked capacity for self-direction. Chicago-based MacArthur is one of the nation's largest independent foundations.

Another interesting finding is that MacArthur Fellows tend to not stay in one place. They will more likely end up somewhere other than their birthplace by the time they receive their award. California is the most popular state for fellows to move to with 113 new residents, followed by Massachusetts (58), New York (28), New Jersey (16) and a tie between Virginia and Arizona (10 each).  Connecticut also shows a net gain, at plus four.  Nationwide, 20 states reflect net gains, the remaining states have tended to lose future geniuses.

Nevada, Wyoming and Vermont, are the only states never to have produced a MacArthur Fellow.

The most recent Connecticut recipient is Daniel Spielman, a computer scientist at Yale University, selected in 2012. As the Henry Ford II Professor of Computer Science, Mathematics and Applied Science, Spielman “is a theoretical computer scientist studying abstract questions that nonetheless affect the essential aspects of daily life in modern society—how we communicate and how we measure, predict, and regulate our environment and our behavior,” according to the MacArthur profile of his selection.

In 2009, Richard Prum, an ornithologist at Yale University was among the 24 selected.  In his work, Prum draws from a wide spectrum of disciplines, including developmental biology, optical physics, molecular genetics, phylogenetics, paleontology, and behavior ecology, to address central questions about bird development, evolution, and behavior.

Officials note t hat innovative people tend to cluster near cultural centers and hotbeds of technological and scientific research, such as states with large cities like New York, California and Massachusetts, which may explain the mobility patterns of the fellows.  That may also have influenced Connecticut push in recent years into the biotechnology field and related disciplines.

The data also highlight the contribution of immigrants to the creative culture of the United States. Nearly a quarter of MacArthur Fellows were born outside of the country. Though Fellows must be citizens or residents of the United States, their countries of origin span the globe.

Historian and 2003 Fellow Anders Winroth was born in Sweden and was teaching at Yale University at the time of the award, for example. The data indicates that 79% of the Fellows lived, at the time of the award, outside the state where they were born.  By way of comparison, according to recent U.S. Census Bureau data, approximately 30% of the general population and 42% of the college-educated population live outside the state where they were born.

An overwhelming number (169) of fellows were born in New York.  Other top states include California (59), Pennsylvania (52), Massachusetts (29) and Illinois (39). However, if you look at the data by per capita, those states are joined by Connecticut, Delaware, Rhode Island, Idaho, Montana and South Dakota, due to their relatively small populations.

The John D. and Catherine T. MacArthur Foundation, according to its website, “supports creative people and effective institutions committed to building a more just, verdant, and peaceful world. In addition to selecting the MacArthur Fellows, the Foundation works to defend human rights, advance global conservation and security, make cities better places, and understand how technology is affecting children and society.”

Daniel Spielman VIDEO (You Tube)     Richard Prum VIDEO (You Tube)

Fan Likes? Patriots Nation, Giants Country, Jets Nowhere

Although undefeated thus far this season, the New York Jets, it turns out, are nowhere.  At least nowhere on a nationwide, country-by-county map released by Facebook of the National Football League “likes” of Facebook users. The breakdown showed Patriots dominance throughout New England and most of Connecticut – with the exception of Fairfield and New Haven counties, which remain Giants country.

The Jets were the only NFL team not to “win” a single county.

Months ago, The New York Times published a similar breakdown of major league baseball fans, which was especially interesting in breaking down the Red Sox-Yankees rivalry, but also highlighted the interest in the Yankees all across the country.

Unlike the MLB baseball map, there’s no clear “national” team, the Atlantic reported in analyzing the data.  Love for the the Bronx Bombers bubbled up in the absence of a prominent popular local franchise, appearing not only in greater New York City but also in far-reaching locations including North Carolina, Nebraska, Nevada and New Mexico. 

That’s just not reflected in the NFL map. The Cowboys come closest, but they’re not “America’s team” as unambiguously, despite the longstanding public relations effort. Beyond Texas and its neighbors, the only isolated pockets of Cowboys fandom are in southern Nevada and southeastern Virginia. That’s it.

After the Cowboys, the Broncos control a huge region in the upper mid-west. Rivaling the Broncos are the 49ers, which rule almost all of California; and the Patriots, Seahawks and Saints, who all dominate their regions – at least on Facebook, if not in the NFL standings.

Connecticut, as it is in baseball, is divided in allegiances between New York and Boston professional teams.  But as is true throughout the tri-state region, the Jets don’t quite exceed Giants or Patriots fans – according to Facebook – anywhere.

Remembering Connecticut's Enduring Loss on 9/11

“Jeff Gonski does not need a network television special or a commemorative newspaper edition to remember what he cannot forget: It has been 10 years since Amy Toyen, his 24-year-old fiancée, vanished in a cloud of toxic smoke and twisted steel at the tip of lower Manhattan. When American Airlines Flight 11 slammed into the North Tower of the World Trade Center, Amy was on the 106th floor preparing to make a presentation at a trade show for Boston-based Thomson Financial.” Boston magazine, in 2011, began its feature article with that stark recollection.  Legacy.com begins its remembrance by describing how that morning began.

“To catch her early flight on Sept. 11, Amy E. Toyen arose in Boston at 4 a.m. so she could arrive in New York City at 6:45 a.m., in plenty of time to attend the trade show in Windows on the World at 1 World Trade Center. Ms. Toyen, 24, was demonstrating a software product of her company, Thomson Financial in Boston, when her fiancé, Jeffrey Gonski, got a call at 8:58 a.m. — his caller ID showed it was her cellphone — but when he answered, no one was there.

Mr. Gonski had met Ms. Toyen, who grew up in Avon, Connecticut, at their alma mater, Bentley College in Waltham, Mass., and had managed to pull off an elaborate proposal.

"We had just ordered her wedding dress," recalled her father, Martin Toyen. "She was so happy in her life — a woman in love, who loved her job." The wedding was set for June 16, 2002.

Toyen had lost a coin flip among business colleagues to decide who made the trip on Sept. 11; the night before, her flight from Boston to New York was canceled due to bad weather – but she was able to book a flight out of Logan International Airport at 6:00 the next morning.

After her death, Toyen’s parents would reflect on the luck that placed her in the worst part of the 110-story skyscraper, at the worst possible moment, the website MassLive reported. “It’s as if fate was telling her not to go,” said her father, adding that his daughter’s diligence pushed her to rebook the flight to get to the twin towers on time.

Since 9/11, Amy Toyen is remembered by those who knew her and loved her, those whose paths crossed hers along life’s journey, and by countless others, in her hometown of Avon, her native state of Connecticut, and well beyond.

A life size sculpture of a young Amy, funded by the student government of Avon High School, sits in the garden of the Avon Public Library.   Canton artist Marilyn Parkinson Thrall designed and executed the 22-inch bronze statue depicting Amy, sitting cross-legged on a bench and cradling a teddy bear as she reads a book on her lap.  Amy’s family sorted through many pictures in order to help Thrall capture her essence, incorporating her favorite daisy-print dress, tiny sneakers, and ponytails tied with pompom rubber bands. The statue sits upon a granite bench with a plaque that tells the full story.

Amy Elizabeth Toyen is one of the 2,977 people whose lives were tragically and abruptly ended on September 11, 2001, and one of 153 individuals named on Connecticut’s official memorial at Sherwood Island at Long Island Sound.

When the viewer faces the inscription on the state’s memorial stone they are oriented across the Sound to the site of the former World Trade Center in New York City, which had been visible from that scenic location. The inscription reads, "The citizens of Connecticut dedicate this living memorial to the thousands of innocent lives lost on September 11, 2001 and to the families who loved them."

Connecticut Volunteers Pursue National Service; AmeriCorps to Celebrate 20th Anniversary

More than 3,700 people of all ages and backgrounds are helping to meet local needs, strengthen communities, and increase civic engagement through national service in Connecticut, according to data compiled by the Corporation for National & Community Service. Serving at more than 600 locations throughout the state, these citizens tutor and mentor children, support veterans and military families, provide health services, restore the environment, respond to disasters, increase economic opportunity, and recruit and manage volunteers.

During this past fiscal year, the Corporation for National and Community Service (CNCS) committed more than $9,390,000 to support Connecticut communities through national service initiatives. Through a unique public-private partnership, this federal investment leveraged an additional $2,720,000 in other resources to strengthen community impact, build local support, and increase return on taxpayer dollars.

Most AmeriCorps grant funding goes to the Connecticut Commission on Community Service within the state Office of Higher Education, which in turn awards grants to nonprofit groups to respond to local needs. AmeriCorps expected to provide more than 900 individuals the opportunity to provide intensive, results-driven service to meet education, environmental, health, economic, and other pressing needs in communities across Connecticut.

Nationally, AmeriCorps celebrates its 20^th anniversary this month.  President Obama is scheduled to participate in a ceremony with AmeriCorps members at the White House on September 12 as part of a nationwide event marking the 20th anniversary of the AmeriCorps national service program.

The Connecticut Commission on Community Service administers programs under the National and Community Service Trust Act of 1993. The Commission is dedicated to supporting service and civic engagement to strengthen communities throughout Connecticut. In partnership with the Office of Higher Education, the Commission funds and supports programs that encourage all Connecticut residents to volunteer.  The Commission’s next meeting is scheduled for October 7.

Other individuals – in Connecticut and nationwide - serve their fellow citizens through AmeriCorps VISTA, whose members help bring individuals and communities out of poverty by serving full-time to fight illiteracy, improve health services, create businesses, and increase housing opportunities, and AmeriCorps NCCC (National Civilian Community Corps), a 10-month, full time residential program for men and women between the ages of 18 and 24. In exchange for their service, AmeriCorps members earn an education award that can be used to pay for college or to pay back qualified student loans.

In addition to the AmeriCorps participants, more than 2,800 seniors in Connecticut contribute their time and talents in one of three Senior Corps programs.

• Foster Grandparents serve one-on-one as tutors and mentors to more than 1,000 young people who have special needs.
• Senior Companions help more than 270 homebound seniors and other adults maintain independence in their own homes.
• RSVP volunteers conduct safety patrols, renovate homes, protect the environment, tutor and mentor youth, respond to natural disasters, and provide other services through more than 230 groups across Connecticut.

The Corporation for National and Community Service is a federal agency that improves lives, strengthens communities, and fosters civic engagement through service and volunteering. Members of the Connecticut Commission on Community Service are appointed by the Governor and serve three-year terms. Commission members represent various areas of expertise as required by the National and Community Service Trust Act.

AmeriCorps video

Hartford Region Ranks #4 in USA in Digital Coupon Clicking, Survey Says

Coupons are fast-becoming money savers that are clicked, not clipped, and in few regions is that more the trend than in Greater Hartford.  Newly released data indicates that the Hartford-West Hartford-East Hartford market ranks #4 in the nation in the level of click activity, just behind New York, Boston and Philadelphia. According to results of a survey conducted by RetailMeNot, a leading digital offers destination, in conjunction with The Omnibus Company, the number of Americans who rely mostly on mobile coupons has been steadily increasing, as traditional scissor-clipped declines.

The study found that over the past four years, the use of printable coupons has dropped to 58 percent in 2014 from 73 percent in 2010. However, digital coupon usage has increased substantially as the world has gone more digital with online (27% in 2014 vs. 16% in 2010) and mobile (15% in 2014 vs. 4% in 2010) coupon usage.

The latest edition of the company’s Shoppers Trend Report revealed that nearly all Americans (96 percent) are coupon users, and retailers and brands are steadily moving their marketing promotions to more mobile and digital formats. A separate survey of retail executives in May 2014, also conducted by The Omnibus Company, found that 75 percent of retailers believe that digital advertising delivers a higher ROI than offline advertising, including circulars and direct mail.

September has been designated as National Coupon Month, and based on the level of coupon click activity in ratio with each city’s population, the Northeast is leading the way.  Rounding out the top ten after New York, Boston, Philadelphia and Hartford are Providence, Baltimore, Pittsburgh, Washington, Tampa and Buffalo.

Western communities appear to lag in their savings activity, with the Las Vegas, Phoenix and Denver areas representing the bottom of the active-coupon-user list. In fact, the New York, Boston and Philadelphia areas appear to be four times more active than the Denver area at couponing, according to survey analysts.

In the top 10 active couponing cities, clothing and food categories ranked consistently at the top for click activity, followed by electronics and home and garden.

“Our survey findings show how a consumer’s mobile phone is becoming a key device within their savings tool kit as millions of shoppers increasingly take advantage of digital offers, promotions and sales opportunities.” says Trae Bodge, senior lifestyle editor for The Real Deal by RetailMeNot.

They survey also found that printable coupon usage for 18- to 34-year-olds dropped significantly in the past four years (40% in 2014 vs. 57% in 2010), and online coupon usage nearly tripled for those ages 50+ over the past four years (18% in 2014 vs. 7% in 2010).

According to the survey deep discounts aren’t the only deals that shoppers appreciate, as more than 2 in 5 (43%) coupon users consider discounts up to 25 percent to be a good deal. Respondents said they are most interested in deals that offer a specific dollar amount off of their purchase (30%).  The survey also shows that interest in different types of deals varies by region.

• Coupon users living in the Northeast are more likely than those living in other regions to be most interested in receiving a specific percentage off a purchase (28% vs. 18% of the rest of the country).
• Those living in the South are more likely than those living elsewhere (26% vs. 15% of the rest of the country) to be most interested in “buy one, get one free” deals.

In an August 2014 commissioned study conducted by Forrester Consulting on behalf of RetailMeNot, an overwhelming 59 percent of respondents stated that out of all the different types of promotions a retailer can employ, digital coupons still sway them the most when it comes to influencing a purchasing decision. The study also found that:

• 63 percent of respondents agreed that digital coupons “close the deal” for them when undecided on a purchase,
• More than 90 percent of smartphone and tablet users redeem their digital coupons within several days,
• Nearly 7 in 10 consumers (68%) said they strongly believe that digital coupons have a positive impact on a retailer’s brand
• 68 percent state that coupons generate loyalty

RetailMeNot, Inc. operates what the company describes as the world’s largest marketplace for digital offers, and for the 12 months ended June 30, 2014, the company had more than 625 million visits to its websites.  See the complete list of the top 50 cities.

Top Cities (and Surrounding Metro Areas) Based on Click Activity

1. New York-Newark-Jersey City
2. Boston-Cambridge-Newton
3. Philadelphia-Camden-Wilmington
4. Hartford-West Hartford-East Hartford
5. Providence-Warwick
6.  Baltimore-Columbia-Towson
7.  Pittsburgh
8. Washington-Arlington-Alexandria
9. Tampa-St. Petersburg-Clearwater
10. Buffalo-Cheektowaga-Niagara Falls

Hurricane Sandy: 3rd Costliest Insured Loss Catastrophe Worldwide Since 1970

Hurricane Sandy, which hit Connecticut and the Northeast in October 2012, produced the 3^rd costliest insured loss in the past 43 years, according to data compiled by Swiss Re and reported by Bloomberg. Half of the 15 costliest catastrophes since 1970 have occurred in the past 10 years.  The analysis methodology, going back to 1970,  reviewed loss including property and business interruption, excluding liability and life insurance losses.  It was released this week by Bloomberg Businessweek.

Hurricane Sandy was reported to have an insured loss of $36.9 billion.   The Federal Emergency Management Agency has reported that although New England was spared the brunt of the storm, residents and businesses along the shores of Connecticut, Rhode Island, Massachusetts and New Hampshire suffered severe damages from wind and water, many losing homes and livelihoods.  New York and New Jersey were also hard-hit by the record-setting storm, which disrupted livelihoods, transportation and electricity grids and countless industries.

The top ranked insured lost was Hurricane Katrina, which catastrophically hit the Gulf Coast in August 2005, which losses estimated at $80.3 billion.  Next costliest was the earthquake which triggered a tsunami in Japan in March 2011, with an insured loss of $37.6 billion.  All loss amounts were indexed to 2013, for purposes of comparison.

Rounding out the top five costliest insured losses of nearly the past half-century were Hurricane Andrew, which hit Florida, neighboring states and the Bahamas in August 1992, with an insured loss of $27.6 billion and the terrorist attack on the World Trade Center and the Pentagon on September 11, 2001, with insured losses of $25.6 billion.

Also ranked in the top 10 were the Northridge, California earthquake in 1994, Hurricane Ike in 2008, Hurricane Ivan in 2004, flooding in Thailand in 2011, and a New Zealand earthquake in 2011.

A September 2013 report by the U.S. Department of Commerce Economics and Statistics Administration had estimated that the total payout by the insurance industry related to Hurricane Sandy was expected to be reduced because much of the storm damage was caused by the storm surge and subsequent flooding was not covered by standard homeowner or small business commercial policies. Also, reportedly half of all losses of the insurance industry were expected to be covered by reinsurers.  The report indicated that the Insurance Information Institute estimated that insurers would pay $18.75 to $25 billion to over 1.5 million policyholders across 15 states including Connecticut, and the District of Columbia.  More than two-thirds of claims were anticipated from homeowners, with the highest value of claims  from commercial property owners ($9 billion)accounting for almost half of the value of claims paid, the report indicated.

The insurance industry had its third-most expensive year on record in 2012, led by Hurricane Sandy, with global economic losses from natural catastrophes and man-made disasters totaling $186 billion, according to a previous report issued by Swiss Re.

Immigration Reform: Economic Impact in Connecticut

As the fate of immigration reform remains unresolved in Congress, plays out on the nation’s borders, and is debated  in states around the country - including Connecticut -  the potential economic benefits remain an element in the debate.  Connecticut-centric data seeks to provide local context as a new national immigration policy is considered and stalled and considered again in Washington, D.C. Some highlights, as released by the White House, point out that immigration reform will “strengthen Connecticut’s economy and creates jobs.”  Some of the data points that have been part of the past year's debate:

• Immigrants already make important contributions to Connecticut’s economy. For example, Connecticut’s labor force is 16.7% foreign-born.

• 18.5% of Connecticut business owners are immigrants. These businessmen and women generate $2.05 billion in income for Connecticut each year.

• In Connecticut, 38.2% of science, technology, engineering, and math (STEM) graduates at the state’s most research-intensive schools are foreign-born. Also, 68.2% of the state’s engineering PhDs are foreign-born.

• According to Regional Economic Models, Inc., a set of reforms that provides a pathway to earned citizenship and expands a high-skilled and other temporary worker programs would together boost Connecticut’s economic output by $568 million and create approximately 6,904 new jobs in 2014.  By 2045, the boost to Connecticut’s economic output would be around $3 billion, in 2012 dollars.

The White House has also indicated that “common sense immigration reform increases workers’ income, resulting in new state and local tax revenue, contribute to the recovery of Connecticut’s housing market and strengthen Connecticut’s technology, agriculture, and tourism industries:

• Providing a pathway to earned citizenship and expanding high- and low-skilled visa programs will increase total personal income for Connecticut families by $1.6 billion in 2020, according to Regional Economic Models, Inc.

•  Immigration reform would have increased the state and local taxes paid by immigrants in Connecticut by approximately $29 million in 2010, according to one study.

• Immigrants significantly increased home values in Connecticut between 2000 and 2010 - in New Haven County, the increase was $2,680 for the median home.

• There are 4,916 farms in Connecticut that sell approximately $552 million in agricultural products. Noncitizen farm workers accounted for 24% of all farm workers in Connecticut between 2007 and 2011. According to one study, in 2020 an expanded temporary worker program would mean 264 new jobs for U.S. citizens and immigrants (including jobs not only in agriculture, but also retail trade, construction, and other sectors) in Connecticut, and increase Connecticut’s real personal income by $15 million in 2012 dollars.

• These provisions will increase tourism to the U.S., including to Connecticut - which saw approximately 307,000 overseas visitors in 2011.

An August 2014 poll by FOX News found that by a more than three-to-one margin, voters nationwide would pick immigration reform that only includes a pathway to citizenship over no Congressional action at all.  The  poll finds 65 percent of voters prefer legislation that only focuses on creating a pathway for certain illegal immigrants if that’s the only action Congress takes on immigration this year.   The survey also found substantial bipartisan agreement on the issue: 76 percent of Democrats and 56 percent of Republicans say something is better than nothing on immigration reform, and 60 percent of independents agree, FOX News reported.

Fraud Watch Aims to Limit Costly Scams Targeting Elderly

Connecticut state agencies are collaborating, in concert with private sector organizations, to protect senior citizens from elder abuse.  In issuing an Executive Order, Governor Malloy directed agencies to identify ways to increase public awareness, reporting and social network support of elder abuse victims, consider ways to improve programs for elder abuse victims, and identify best practices in elder abuse prevention, detection and intervention. Recent surveys by AARP underscore the susceptibility of seniors to identity theft and fraud, reporting that seniors were likely to have engaged in behaviors including:

• Clicked on pop-up ads – 26 percent of victims and 10 percent of non-victims said they had done so in the previous seven days;
• Opened an email from an unknown person – 27 percent of victims and 17 percent of non-victims said they had done so in the past seven days;
• Signed up for free trial offers – 18 percent of victims and 8 percent of non-victims had done so in the previous week.

Fraud victims were also found to have experienced the following life experiences, which may have impacted the susceptibility statistics cited:

• Sixty-six percent of victims and 42 percent of non-victims said they “often or sometimes feel isolated.”
• Twenty-three percent of victims and 10 percent of non-victims said they had experienced loss of a job.
• Forty-four percent of victims and 23 percent of non-victims said they had suffered a “negative change in financial status” in the past two years. 

Connecticut AARP is a member of the state’s Elder Justice Coalition Coordinating Council, which convened this summer, and one of the 16 agencies appointed by the Commissioner of the State Department on Aging to work on elder justice issues.  AARP is leading the Consumer Fraud Education workgroup which has hit the ground running with the recent launch of the AARP Fraud Watch Network – a national campaign that connects people to experts, law enforcement and people like them who can help them spot and avoid scams.

As part of the CT Elder Justice Coalition, AARP Connecticut is working with state, federal and community organizations across the state utilizing Fraud Watch Network resources to educate older adults and their families about scams and provide tools and information to prevent identity theft and fraud.

Fairfield Chief of Police, Gary MacNamara, representing the CT Police Chiefs Association and a member of the CT Elder Justice Coalition, stated, “Police officers understand efforts to prevent our community members from being victims is really important.  The first step in prevention is awareness.  The AARP Fraud Watch Network provides a great place for older adults and families to get accurate information and become aware of the threat.”

Last fall, a survey of nearly 2,400 U.S. adults age 40 and older conducted by the FINRA Foundation revealed that financial fraud solicitations are commonplace.  Many Americans are unable to spot fraudulent sales pitches, and older Americans (age 65 and older) are particularly vulnerable.

Specific findings include:

• Over 80 percent of respondents have been solicited to participate in potentially fraudulent schemes, and over 40 percent of those surveyed cannot identify some classic red flags of fraud.
• More than 8 in 10 respondents were solicited to participate in a potentially fraudulent offer. And 11 percent of all respondents lost a significant amount of money after engaging with an offer.
• More than 4 in 10 respondents found an annual return of 110 percent for an investment appealing, and 43 percent found "fully guaranteed" investments to be appealing.
• Americans age 65 and older are more likely to be targeted by fraudsters and more likely to lose money once targeted.

According to AARP volunteer and Executive Council member, Byron Peterson, “Identity theft, investment fraud and scams rob hard-working Americans of billions of dollars each year – with older adults often the biggest targets.  Through the AARP Fraud Watch Network, we’re arming people with information about what makes them vulnerable and giving them access to the tools they need to outsmart con artists before they strike.”

The FINRA Foundation's survey found that 64 percent of those surveyed had been invited to an "educational" investment meeting that was likely a sales pitch. Additionally, 67 percent of respondents said they had received an email from another country offering a large amount of money in exchange for an initial deposit or fee. Upon being solicited for fraud, older respondents were 34% more likely to lose money than respondents in their forties.

In collaboration with partner agencies and organizations, AARP staff and volunteers are making fraud prevention presentations to community groups and encouraging all residents to sign up for watchdog alerts and stay abreast of current scams through the AARP Fraud Watch Network.  Available free of charge to AARP members and non-members alike, and people of any age, the Fraud Watch Network provides an array of educational information and access to individuals who share experiences and provide expertise.

CT's Population Remarkably Stable for a Century, Data Shows

Connecticut’s nickname as the Land of Steady Habits, is well-earned, as evidenced by a review of population origin during the past century.   Connecticut's domestic migration pattern has been remarkably steady through the decades, and most of the change has been due to immigration, according to data compiled by The New York Times. The hundred year comparison:  In 1900, 57 percent of the state’s residents were born in Connecticut.  A century later, in 2000, a nearly identical 55 percent of the state’s population was born in Connecticut.

The percentage of Connecticut residents born outside the United States was as high as 29 percent in 1910, steadily declined to a low of 10 percent in 1970 and 9 percent in 1980 and 1990, and then began to slowly climb, reaching 11 percent in 2000 and 14 percent in 2012.

The breakdown of Connecticut’s population origins, between 1900 and 2012, as reported in The New York Times, is currently:

• 55 percent born in Connecticut,
• 14 percent born outside the U.S.
• 10 percent born in New York,
• 6 percent born in other states in the Northeast,
• 4 percent born in Massachusetts,
• 4 percent born in states in the South,
• 3 percent born in other U.S. states (excluding the Northeast, South and Midwest),
• 3 percent born in Midwest states,
• 2 percent born in states in the Western U.S.

In 1900 and 2000, four percent of the state’s residents were born in neighboring Massachusetts.

By way of comparison, the percentage of Massachusetts’ population born in the Bay State was 55 percent in 1900 and 63 percent in 2012.  In New Hampshire the percentage of native born was 60 percent in 1900 and 42 percent in 2012 – when one quarter of the population, a robust 25 percent, were born in neighboring Massachusetts.  In Rhode Island, the population was 51 percent native born in 1900 and 57 percent in 2012.  Only 9 percent of Rhode Island’s recent population was born in Massachusetts.

The states with the lowest percentage of their population born in-state are Nevada, 25 percent; Florida, 36 percent; Arizona, 38 percent; Wyoming, 40 percent; and Alaska, 42 percent.

On the opposite end of the spectrum, 79 percent of Louisiana’s population was born in the state; 77 percent of Michigan’s; 75 percent of Ohio’s and 74 percent of Pennsylvania’s.

The largest immigrant population, by percentage?  California at 28 percent, New York at 25 percent, Florida at 23 percent and Nevada at 21 percent.

An interactive feature highlights the state-by-state data on the Times website.