Technology-Enabled Financial Planning for Caregivers and Clients with Reduced Capacity

摘要 ADRD老年人的护理人员是美国最大的无薪和未经培训的医疗保健劳动力。 美国，2013年家庭医疗价值为4700亿美元（高于2013年医疗补助总支出）。 同年）。利用受损亲人的诱惑可能会因以下因素而加剧 接管混乱的财务和缺乏指导的压力。缺乏临床指导的财务 支持也可以从患有ADRD的人过早地取消财务控制。的 转移控制权的决定通常是由未经训练的照顾者根据本能做出的，而不是由 受过培训的临床医生（通常不提供财务建议）或财务顾问（没有 临床训练）。每年，大约15%的美国老年人成为金融剥削的目标， 每年损失近170亿美元在超过三分之一的案件中，66亿美元的损失是由于 与照顾者的信任关系（称为老年人经济虐待），即使这可能是一个 低估美国退休人员协会描述了每个受害者的平均损失12万美元，几乎是平均50多万美元， 家庭有储蓄。无薪照顾者工作量的压力和孤立可能会导致怨恨 增加了金融滥用的风险。需要加强沟通、教育和 确定何时有必要开始转移控制权的临床验证方法 财务BSM建议开发一站式技术支持解决方案，以解决这三个问题 理财规划师、老年客户和护理人员可以使用的问题。

Abstract Caregivers of older adults with ADRD are the largest unpaid, and untrained healthcare workforce in the US, with family caregiving valued at $470 billion in 2013 (higher than total Medicaid spending for the same year). The temptation to take advantage of an impaired loved one may be exacerbated by the stress of taking over disorganized finances and absence of guidance. Lack of clinically guided financial support can also remove financial control from the person suffering from ADRD prematurely. The decision to transfer control is typically made by the untrained caregiver acting on instincts, not by a trained clinician (who does not typically advise on finances) or financial advisor (who does not have clinical training). Each year, around 15% of U.S. seniors are targeted by financial exploitation resulting in nearly $17 billion in losses annually. In over a third of these cases, $6.6 billion is lost to theft enabled by a trusting relationship with a caregiver (called elder financial abuse) annually, and even this may be an under-estimation. AARP describes an average loss of $120k per victim, almost what an average 50+ household has in savings. The stress and isolation of unpaid caregiver workload may lead to resentment and increased risk of financial abuse. There is a need for increased communication, education, and a clinically validated methodology for determining when it is necessary to begin transfer of control over finances. BSM proposes to develop a one-stop-shop technology enabled solution to address these three problems usable by a financial planner, older adult client, and caregiver.