How Elder Law Attorneys Are Modernizing Laws to Combat Elder Financial Exploitation

HNWElder Abuse and Financial Exploitation

  • Elder exploitation, also known as financial abuse, is a widespread problem in the United States.
  • Elder exploitation includes everything from an adult child taking a parent’s income to support a substance abuse problem, to a fiduciary misusing an elder’s assets, to unscrupulous “financial planners” targeting elders with inappropriate financial products.
  • It has far-reaching effects on an elder, the elder’s family, and the community.
  • It’s time for NJ to take action.

elder abuseNew Jersey Needs to Copy What Florida is Doing to Combat Elder Abuse

Facing the reality of elder exploitation, NJ elder law attorneys can take the lead in combatting it. Let’s look at Florida’s laws as a perfect example. In the past decade, Florida has transformed the discussion of elder abuse and made their state safer for seniors. They have modernized criminal and civil laws to combat exploitation and worked cooperatively with state government to make hundreds of small changes to ensure coordination of efforts and care.

The first significant change occurred in 2009, when the legislature made sweeping changes to Florida’s criminal exploitation statute. To achieve this, Florida elder law attorneys created a task force of stakeholders, including prosecutors, the purpose of which was to modernize the criminal definition of exploitation and address a growing number of schemes targeting elders. Based on the recommendations of that task force, the following changes were made to criminal exploitation:

  1. The requirement that a victim lack capacity for certain predatory actions to be considered criminal was removed;
  2. Breaches of certain fiduciary duties by agents, trustees, and guardians were included in the definition of exploitation;
  3. Removal of funds from a joint bank account by an account holder whose ownership is for convenience only could be exploitation;
  4. Failure to use the elder’s assets or income to pay for their necessities was added to the definition of exploitation; and
  5. Under certain circumstances, the state is permitted to presume specific actions constitute exploitation.

These changes also gave victims more ability to recover civilly from exploiters.

In 2013, after numerous incidents of exploitation and harm caused by the unlicensed practice of law (UPL) of non-attorney Medicaid planners, the Florida Supreme Court issued The Fla. Bar re: Advisory Opinion — Medicaid Planning Activities by Non-lawyers, which defined activities considered UPL in Florida.  New Jersey soon followed this lead.

The most recent change occurred in 2018, when Florida passed legislation creating an injunction for the protection against exploitation of vulnerable adults. This injunction is modelled after domestic violence injunctions. It allows an elder or certain individuals acting on behalf of elders to file for an ex parte injunction that can:

  1. freeze assets belonging to an elder to prevent them from being taken by an exploiter, even if those assets have been transferred by the exploiter into the exploiter’s account;
  2. prevent an exploiter from having contact with the victim;
  3. direct law enforcement to assist an elder in returning to their residence;
  4. remove an exploiter from the elder’s residence;
  5. authorize the payment of an elder’s bills from any frozen account; and
  6. be made permanent following an evidentiary hearing.

Since this statute became effective in July 2018, elder law attorneys, clerks of court, and elders have been utilizing these injunctions to prevent elders from being robbed of their life savings by family members, health care workers, and strangers.

It’s time New Jersey takes action like Florida to protect its large elder population.

To discuss your NJ elder abuse and financial exploitation matter, please contact Fredrick P. Niemann, Esq. toll-free at (855) 376-5291 or email him at  Please ask us about our video conferencing consultations if you are unable to come to our office.

By Fredrick P. Niemann, Esq. of Hanlon Niemann & Wright, a Freehold Township, Monmouth County, NJ Elder Abuse and Financial Exploitation Attorney

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