SilverBills: A Legal, Technical and Financial Tool for Aging LGBTQ+ Individuals with Impaired Cognition.

摘要 年龄是阿尔茨海默病和相关痴呆症(AD/ADRD)的最大风险因素，估计为2.7 数以百万计的LGBTQ+美国人是老年人。LGBTQ+老年人面临歧视和迫害 在他们的一生中，只有最近才有一些法律保护他们的性取向和/或性别 美国的身份识别状况。有认知障碍的LGBTQ+个体 由于他们的性/性别少数地位而受到疾病的不成比例的影响，这可能会导致 LGBTQ+老年人因恐惧性行为而推迟或完全避免看医疗保健提供者 取向/性别认同歧视。LGBTQ+个人的经济稳定受到威胁，因为 他们因性取向/性别认同而面临的污名和歧视 在他们的一生中，这阻碍了他们储蓄和积累财富的能力；近三分之一(32%) 50岁及以上的LGBTQ+成年人的生活水平为联邦贫困水平的200%或更低，而这一比例仅为26% 65岁及以上的非LGBTQ+老年人。有一些技术产品有助于促进经济增长 通过促进账单管理和预算的工具提高福利；然而，这些产品通常需要 高度的技术专长和提供的个人支持不足的程度，以满足需求 那些认为自己是LGBTQ+的认知障碍者。这个应用程序解决了缺乏资金的问题 为患有认知障碍的老年LGBTQ+个人提供管理和法律支持，因为SilverBill将 为其产品开发和添加功能，以帮助防止欺诈、鼓励储蓄并为 法律事务，包括法律主张、支持和取得授权书。这个项目的目标是 通过SilverBill V.3改善LGBTQ+认知障碍老年人的经济福祉 财务和法律管理工具。这项直接到第二阶段SBIR提案的目标是开发一种 适用于有认知障碍的LGBTQ+老年个人，并评估经济健康和精神健康 LGBTQ+认知障碍患者的健康状况。本提案旨在1)开发 SilverBill应用程序，用于防止欺诈并促进LGBTQ+认知障碍个人的储蓄， 2)为LGBTQ+认知障碍个人开发支持法律事务的互动功能， 3)评估SilverBills V3对老年LGBTQ+的经济健康和心理健康的影响 有认知障碍的个体。该团队将开发SilverBill V3，并支持严格的科学 验证，这将提供创新的证据，并为金融和法律提供技术工具 老年LGBTQ+认知障碍患者的管理。

ABSTRACT Age is the greatest risk factor for Alzheimer’s disease and related dementia (AD/ADRD) and an estimated 2.7 million LGBTQ+ Americans are older adults. LGBTQ+ older adults face discrimination and persecution throughout their lives, with only some recent legal protections for their sexual orientation and/or gender identification statuses in the United States. LGBTQ+ individuals with cognitive impairment are disproportionately impacted by their illness because of their sexual/gender minority status, which may cause an LGBTQ+ older adult to delay or avoid seeing a healthcare provider altogether due to fear of sexual orientation/gender identity discrimination. The economic stability of LGBTQ+ individuals is threatened due to the stigmatization and discrimination they have faced because of their sexual orientation/gender identification throughout their lives, which has impeded their ability to save and accumulate wealth; almost one third (32%) of LGBTQ+ adults aged 50 and older live on 200% of the Federal Poverty Level or less, in contrast to only 26% of non-LGBTQ+ older adults aged 65 and older. There are technology products that help foster economic wellbeing through tools that facilitate bill management and budgeting; however, these products often require a high degree of technical expertise and provide an insufficient degree of personal support to address the needs of those with cognitive impairment who identify as LGBTQ+. This application addresses the lack of financial management and legal support for older LGBTQ+ individuals with cognitive impairment, because SilverBills will develop and add features to its product that will help prevent fraud, encourage savings, and provide support for legal matters including legal claim support and obtaining powers of attorney. The goal of this project is to improve the financial wellbeing of older LGBTQ+ individuals with cognitive impairment through SilverBills V. 3 financial and legal management tool. The objective of this Direct to Phase II SBIR proposal is to develop an application for older LGBTQ+ individuals with cognitive impairment and assess financial wellbeing and mental health in LGBTQ+ individuals with cognitive impairment. This proposal aims to 1) to develop features in the SilverBills application to prevent fraud and promote savings for LGBTQ+ individuals with cognitive impairment, 2) to develop interactive features that support legal matters for LGBTQ+ individuals with cognitive impairment, and 3) to evaluate the impact of the SilverBills V3 on the financial wellbeing and mental health of aging LGBTQ+ individuals with cognitive impairment. The team will develop SilverBills V3 and support the rigorous scientific validation, which will provide evidence of innovation and provide technological tools for financial and legal management for older LGBTQ+ individuals with cognitive impairment.