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

摘要 患有ADRD的老年人的照顾者是世界上最大的无偿和未受过培训的医疗保健劳动力 美国，2013年家庭护理价值4700亿美元(高于美国医疗补助总支出 同年)。利用受伤的亲人的诱惑可能会因为 接管杂乱无章的财政和缺乏指导的压力。缺乏临床指导的财务 支持还可以解除过早患有ADRD的人的财务控制。这个 移交控制权的决定通常是由未经培训的照顾者根据本能做出的，而不是由 训练有素的临床医生(通常不为财务提供建议)或财务顾问(没有 临床培训)。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。在这些案件中，超过三分之一的案件因盗窃而损失66亿美元 每年与照顾者建立信任关系(称为老年人经济虐待)，甚至这可能是一种 低估了。美国退休人员协会表示，每个受害者平均损失12万美元，几乎相当于平均50多万美元 家庭有储蓄。无偿照顾者工作量的压力和孤立可能会导致怨恨 并增加了金融滥用的风险。需要更多的交流、教育和 经临床验证的方法，用于确定何时需要开始将控制权移交 财务方面。BSM建议开发一站式技术支持的解决方案来解决这三个问题 财务规划师、老年客户和照顾者可以使用的问题。

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.