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."

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.

As CT Workforce Ages, Employers Look to Attract Young Workers, Seek State Policy Support

The good news:  three times as many Connecticut businesses say they are growing rather than contracting, innovation and investment in technology is strong and three-quarters of manufacturers surveyed say they are exporting. Those are among the lead findings in a survey of Connecticut businesses conducted by BlumShapiro and the Connecticut Business and Industry Association. While the 2014 Survey of Connecticut Businesses shows optimism that Connecticut’s business landscape continues to improve, there remain concerns about the economy and the ability to create jobs in Connecticut, as well as signs that the state’s workforce continues to get older. In fact, one in four respondents are facing a wave of retirements over the next decade, with at least 40% of their workforce aged 55 or older.

“Connecticut’s workforce is aging, with 53% of our respondents reporting that 20% or more of their workforce is 55 or above. There is much to be optimistic about in this survey, but the aging workforce is certainly a challenge we continue to face,” pointed out Joseph Kask, Office Managing Partner of BlumShapiro’s West Hartford office.

While 38% of companies offer flexible work hours, only 8% offer telecommuting. One in four respondents also has specific practices or policies designed to attract and retain younger workers, including internships, tuition reimbursement, high entry-level wages, apprenticeships, and school/college recruitment programs.  Many companies employ apprentices (34%), interns (57%), and temps (58%), and eight in ten companies (79%) plan to hire these workers for permanent positions.

The survey shows slightly greater anticipated demand for mid-level employees than entry level or line workers. Among businesses of all types, workforce demand through 2015 is concentrated on mid-level employees (33% of companies say this is their area of greatest demand) followed by entry-level employees (29%), line workers (28%), managers (8%), and executive leadership (2%).Other highlights of this year’s survey include:

• 35% of businesses surveyed indicate they are growing; 11% indicate they are contracting.
• 46% of businesses surveyed introduced new products or services in the past 12 months; 47% of them plan on introducing new products or services in the next 12 months.
• Three-quarters of manufacturers surveyed are exporting.
• 52% of businesses surveyed say the most important step policymakers can take to enhance business in Connecticut is lowering taxes; 24% say it is reducing regulations, and 11% say it is cutting government regulations.
• 27% of businesses surveyed say technology is the greatest single investment, 23% say it is employee training, and 23% say it is property and facilities.

 When asked how Connecticut should address the shortage of skilled workers, 32% of businesses surveyed say the state should reduce the cost of living, 28% say the state should support trade schools, 20% say the state should support education overall, and 20% say there should be incentive for training programs.

The industries included in the survey include manufacturing, professional services, construction, retail, hospitality/tourism, wholesale, insurance, finance, real estate and software/technology.  Nearly one-third of the respondents were in the manufacturing sector.

CBIA is Connecticut’s leading business organization, with 10,000 member companies.  BlumShapiro is the largest regional accounting, tax and business consulting firm based in New England, with Connecticut offices in West Hartford and Shelton.

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

Danbury-Based Ethan Allen In Retail Industry’s Hot 100; Only CT Company Named

The lone Connecticut-based retailer to make the list of the Hot 100 Retailers produced by the National Retail Federation is Danbury-based Ethan Allen Interiors, sliding in at #97.  Data from the national advocacy organization indicates 5 percent growth and 208 locations nationwide for the chain. Ethan Allen Interiors Inc. (NYSE:ETH) is a leading interior design company and manufacturer and retailer of quality home furnishings. The company offers free interior design service to its clients and sells a full range of furniture products and decorative accessories through ethanallen.com and a network of approximately 300 Design Centers in the United States and abroad.

Ethan Allen owns and operates eight manufacturing facilities including five manufacturing plants and one sawmill in the United States plus one plant in each of Mexico and Honduras. Approximately seventy percent of its products are made in its North American plants. Chairman, President and CEO is M. Farooq Kathwari.He has been president since 1985 and Chairman and Chief Executive Officer since 1987.

The company website indicates that “Ethan Allen is full-service. We conceptualize, design, source, manufacture, market, advertise, style, sell, distribute, and install. That means at headquarters our horizons are ever broadening. But our job is surprisingly straightforward: that is, to raise the bar — in all aspects of the company every day.”

Overall in Connecticut, the Federation highlighted the importance of the retail industry on the state’s economy:

• Retail directly and indirectly supports 1 in 5 Connecticut jobs.
• Retail is directly and indirectly responsible for 16% of Connecticut's GDP.
• Retail directly and indirectly generates 15% of labor income in Connecticut.
• Retail supports 476,568 jobs in Connecticut. (see breakdown below)

Among Connecticut’s neighboring New England states, Boston-based Wayfair was the #2 retailer nationwide on the Hot 100; Jordan’s Furniture, based in Taunton, MA was ranked #24; C & J Clark, headquartered in Newton, MA was #29; and Framingham-based Cumberland Farms was ranked #62.  In addition, LL Bean (Freeport, Maine) was #94 and BJ’s Wholesale Club (Westborough, MA) rounded out the list at #100.

Breaking down Connecticut employment by retail sector, the Federation reported:

1. Retail trade (including food services and drinking places) 17.2%
2. Health care and social assistance 14.8%
3. Finance and insurance 9.8%
4. Manufacturing 9.4%
5. Professional, scientific, and technical services 8.2%
6. Other services, except public administration 5.8%
7. Construction 5.8%
8. Administrative and waste services 5.7%
9. Real estate and rental and licensing 5.6%
10. Education services 3.9%

Nationally, the top 10 leading the Hot 100 in sales growth were Albertsons (Boise, Idaho), Wayfair, Ascena Retail Group (Suffern, NY), Conn’s (The Woodlands, Texas), SpartanNash (GrandRapids, MI), Michael Kors Holdings (New York), Under Armour (Baltimore), Cardinal Health (Dublin, Ohio), Five Below (Philadelphia), and Amazon.com (Seattle).  Each of the top 10 companies had sales growth exceeding 25 percent from 2012 to 2013.

The data for the Hot 100 report was provided by Kantar Retail for the National Retail Federation.

CT Ranks #3 in Millionaires, Behind Maryland and New Jersey

Connecticut had 100,754 millionaire residents last year, up from 99,235 in 2012, comprising 7.32 percent of the state’s 1.4 million households. Connecticut ranked third in the U.S. in millionaires per-capita, according to published reports. Maryland ranked in first place using the per-capita measurement and New Jersey placed second. Connecticut was ranked fourth in 2012, but moved up one slot by overtaking Hawaii.

In the midst of its oil boom, North Dakota was the leader at minting millionaires in 2013, moving to #29 in the Millionaire Ranking, up from #43 in 2012.  Other big gainers in 2013 were Maine (up 11 slots to #25) and Louisiana (up 10 points to #32).

Phoenix Marketing International, a global marketing services firm, develops the  annual ranking of millionaires per capita by state.  The results care culled from their Global Wealth Monitor, a service that tracks affluent and high net worth households.

Nevada lost the most ground in the 2013 Millionaire Ranking, falling 20 positions to #39.  Other big drops were Arizona (losing 13 positions to fall to #34); Florida, Michigan and Idaho each fell 10 positions on the list.

While Maryland continued to lead the list, there were some changes among the other top five states: New Jersey and Connecticut each moved up one spot (to #2 and 3 respectively), while Hawaii fell two places to #4.  Alaska moved into the top 5 for the first time, while Massachusetts moved down to #6.

Rounding out the top 12 were Virginia, New Hampshire, Delaware, District of Columbia, California and New York.  At the other end of the list, in reverse order from the bottom, were Mississippi, Arkansas, Idaho, West Virginia, Kentucky, and Tennessee – the states with the fewest millionaires per capita.

Nationwide, the number of American households with more than a million in assets has hit 9.6 million, according to the Spectrem Group, surpassing the pre-recession high of 9.2 million.

MetroHartford, Connecticut Have Strong Linguistic Diversity; Plus for Global Marketplace

The number of languages spoken in Connecticut is considerably larger than most people expect.  That fact was highlighted in the recent MetroHartford Progress Points Report, prepared for the MetroHartford Alliance.  The linguistic diversity and global connections of the region are reflected in schools and employers, with more than 100 different languages spoken in homes of students attending schools throughout the region, according to the report. The “number of students with non-English home language” according to data on the website of the State Department of Education include Avon, 185; Bloomfield, 59; East Hartford, 1,124; Farmington, 474; Hartford, 8,371; Manchester, 335; Newington, 653; Simsbury, 228; South Windsor, 328; Tolland, 14; West Hartford, 1,876; and Windsor, 280.  The report indicated that 75 percent of English language learner (ELL) students are Spanish-speaking, 25 percent speak other languages at home.

Some of the languages spoken in the homes of students attending schools in the region may be unexpected.  In Manchester, for example, the lead languages are Spanish, Bengali, and Urdu, and the list also includes Twi/Fante, Telugu, and Gujarati.

The Hartford region consists of 750,000 people living in the city of Hartford, its surrounding inner-ring suburbs, and outer-ring and rural towns that have historical, economic or social ties with the city.

In 2013, the Hartford Foundation for Public Giving gathered a group of regional stakeholders to develop a unique community partnership that came together to collect, analyze and disseminate a broad range of data, to place a spotlight on some of the central challenges and opportunities for the region. The goal was to share critical information “with residents and policymakers that will result in meaningful dialogue and propel action in our communities.”  Among the report’s areas of research is “increasing globalization through immigration,” using data from the state Department of Education (SDE).

Sponsoring organizations of Metro Hartford Progress Points include Capital Workforce Partners, Trinity College’s Center for Urban and Cultural Studies, the Capitol Region Council of Governments, the Hartford Foundation for Public Giving, Hispanic Health Council, MetroHartford Alliance, United Way of Central and Northeastern Connecticut, Urban League of Greater Hartford and the City of Hartford.

Data on English-language learners and languages spoken in schools is based on reports retrieved from the SDE CEDAR Data Tables on English Language Learners, for both Number of English Language Learners (ELL) and Languages Spoken by Connecticut Students for the 2010-11 school year, the most recent data available.

Statewide, the variety of languages spoken by Connecticut students is considerable.  Nearly 73,000 students live in homes with a “non-English home language,” according to the State Department of Education. The leaders include:

• Spanish                        47,190
• Portuguese                  2,846
• Polish                          2,279
• Albanian                      1,263
• Chinese                       2,215
• Creole-Haitian             1,714
• Arabic                         1,159
• Vietnamese                 1,157
• Urdu                            1,131
• Russian                        811
• French                         762
• Gujarati                       738
• Serbo-Croatian            705

For the uninitiated, Gujarātī is an Indo-Aryan language spoken by about 46 million people in the Indian states of Gujarat, Maharashtra, Rajasthan, Karnataka and Madhya Pradesh, and also in Bangladesh, Fiji, Kenya, Malawi, Mauritius, Oman, Pakistan, Réunion, Singapore, South Africa, Tanzania, Uganda, United Kingdom, USA, Zambia and Zimbabwe.  And, apparently, Connecticut - in the homes of 738 students.

Close to 100 million people around the world speak Urdu. It is the official language of Pakistan, a status and is also spoken and understood in parts of India, Bangladesh, Nepal, the Middle East.

The Progress Points partners include: Capital Workforce Partners, Capitol Region Council of Governments, City of Hartford, Hartford Foundation for Public Giving, Hispanic Health Council, MetroHartford Alliance, Trinity College Center for Urban and Global Studies, United Way of Central and Northeastern Connecticut , and the Urban League of Greater Hartford.

https://www.youtube.com/watch?feature=player_embedded&v=0zTQjsbNlw0

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.