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

为能力有限的护理人员和客户提供技术支持的财务规划

基本信息

批准号：
10671993
负责人：
John E Porterfield
金额：
$ 97.95万
依托单位：
BRIDGESOURCE MEDICAL CORPORATION
依托单位国家：
美国
项目类别：
财政年份：
2021
资助国家：
美国
起止时间：
2021-09-30 至 2024-07-31
项目状态：
已结题

来源：
https://reporter.nih.gov/project-details/10671993
关键词：
Address Alzheimer&apos s Disease Alzheimer&apos s disease related dementia Android Caregiver Burden Caregivers Certification Client Clinical Clinical Research Cognition Communication Communities Computer software Dementia Development Disease Marker Disease Progression Doctor of Philosophy Education Educational Materials Elder Abuse Elderly Engineering Financial Support Fraud Healthcare Household Human Impairment Instinct Institution Internet Interview Interviewer Lead Machine Learning Measures Medicaid Medical Medical Device Memory Loss Methodology Monitor Online Systems Persons Physicians Principal Investigator Procedures Process Questionnaires Research Research Personnel Resources Risk Savings Self-Help Devices Small Business Innovation Research Grant Software Engineering Spottings Standardization Stress Technology Testing Theft Training Training and Education Trust Universities Workload base dashboard decision-making capacity dementia risk design empowered executive function experience family caregiving financial decision making financial exploitation loved ones mental state premature prevent psychologic smartphone Application sound tool validation studies web services

项目摘要

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.

抽象的患有 ADRD 的老年人的护理人员是世界上最大的无薪且未经培训的医疗保健劳动力美国，2013 年家庭护理价值达 4,700 亿美元（高于美国医疗补助总支出）同年）。利用受损亲人的诱惑可能会因以下原因而加剧：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还可以过早地消除 ADRD 患者的财务控制。这转移控制权的决定通常是由未经训练的护理人员根据本能做出的，而不是由经过培训的临床医生（通常不提供财务建议）或财务顾问（没有财务顾问经验）临床培训）。每年，大约 15% 的美国老年人成为经济剥削的目标，导致每年损失近170亿美元。在超过三分之一的此类案件中，因盗窃而损失了 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），甚至这也可能是一种低估。 AARP 描述每个受害者平均损失 12 万美元，几乎相当于 50 名以上受害者的平均损失家庭有储蓄。无偿看护工作量带来的压力和孤立可能会导致怨恨以及财务滥用的风险增加。需要加强沟通、教育和经临床验证的方法，用于确定何时有必要开始转移控制权财政。 BSM 建议开发一站式技术解决方案来解决这三个问题财务规划师、老年客户和护理人员可以使用的问题。