Social Security scams

Posted: March 1st, 2016 | Author: Elizabeth H. Klampert Blog
Categories: Scams, Social Security

New scams seem to pop up on a daily basis and can cause a lot of damage.  Two recent scams that people should know about involve the Social Security Administration (SSA).  One involves a text message sent to disability applicants and beneficiaries while the other involves e-mail messages sent with “Get Protected” in the subject line.

With regard to the text message, SSA’s Office of the Inspector General (OIG)… Continue reading


Revisiting “observation status” and Medicare

Posted: July 17th, 2015 | Author: Elizabeth H. Klampert Blog
Categories: Medicare

Has anything changed since I originally wrote about this topic in September 2013?  The short answer is:  “Not really.”

Remember the scenario:  You, a Medicare recipient, are taken to the local hospital’s emergency room after suffering chest pains and, in fact, are later taken to a hospital room.  You are discharged after three days and sent home.  At no time did anyone advise you that you were on “observation


Update: Observation status

Posted: June 4th, 2015 | Author: Elizabeth H. Klampert Blog
Categories: Medicare

I have addressed this vexing issue previously but it still has not been resolved.  The issue is that hospitals are often not actually admitting Medicare patients, but putting them under “observation.”  Most people are aware that, for Medicare to cover their Part B expenses for rehab stays, their hospital stay must be for at least three days (or “two midnights”).   However, for this to happen, they must actually be “admitted”… Continue reading


Family strife? Consider mediation

Posted: May 30th, 2015 | Author: Elizabeth H. Klampert Blog
Categories: Mediation

When parents get older and decisions need to be made, adult children often find themselves in a quandary, especially if they can’t agree on what needs to be done.  A recent article in the “Your Money” column in the New York Times addresses this issue and the use of mediation to help siblings sort things out.

Using a mediator can be of real benefit to the entire family… Continue reading


Financial exploitation of the elderly

Posted: July 9th, 2014 | Author: Elizabeth H. Klampert Blog
Categories: Uncategorized

The topic of elder abuse makes people very uncomfortable.  Unfortunately, it is on the rise in the United States.  Elder abuse can take many forms and is often perpetrated by family members, which is why it is often underreported.  In fact, one study estimates that only 1 in 14 cases of elder crime is ever reported.

Elder abuse is not just physical abuse or neglect, but can also be financial… Continue reading


Observation status update

Posted: October 22nd, 2013 | Author: Elizabeth H. Klampert Blog
Categories: Uncategorized

In my blog post of September 4, I noted that Governor Cuomo had not yet signed the bill which the New York State legislature had passed, requiring hospitals in New York State to advise Medicare patients of their status and its consequences.  He has now signed that bill, Chapter 397 of the Laws of 2013, which requires hospitals to advise patients if the decision has been made to put… Continue reading


How will the shutdown affect Social Security disability claims?

Posted: October 1st, 2013 | Author: Elizabeth H. Klampert Blog
Categories: Uncategorized

As of October 1, 2013, the United States government has undergone a partial shutdown.  What does that mean for Social Security disability claims?  Peter Spencer, Deputy Commissioner for Social Security’s Budget, Finance and Management office, addressed this issue in a September 25, 2013, letter to the Director of the Office of Management and Budget.  The letter covers the continued and discontinued activities of the Offices of Disability and Adjudicative… Continue reading


Does the ACA affect my Medicare coverage?

Posted: September 29th, 2013 | Author: Elizabeth H. Klampert Blog
Categories: Uncategorized

People have a number of questions about the Affordable Care Act (ACA), known familiarly as Obamacare.  One of the main questions is whether their Medicare coverage will be affected.  As of now, the answer is “no”.  If you are currently enrolled in Medicare, you are considered covered and do not have to do anything.

One of the best sources of information on this issue and others is Healthcare.gov


Advance directives are not just for those over 50

Posted: September 12th, 2013 | Author: Elizabeth H. Klampert Blog
Categories: Uncategorized

As the parent of a college student, I will be able to make medical decisions for him in the event he has an accident and can’t make those decisions for himself, right?

Most people think that having a durable power of attorney (POA) and health care proxy (known as advance directives) are only for those over a certain age.  However, what happens when… Continue reading


What is “observation status” and why should I care?

Posted: September 4th, 2013 | Author: Elizabeth H. Klampert Blog
Categories: Uncategorized

Consider the following scenario:  you are taken to the local hospital’s emergency room after suffering chest pains and, in fact, are later taken to a hospital room.  You are discharged after three days and sent home.  At no time did anyone advise you that you were on “observation status”.  You receive a bill and find out that you are being asked to pay for services that you thought were covered… Continue reading



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