Thursday, October 26, 2017

Avoid being scammed during Medicare Open Enrollment Season



Open enrollment for Medicare Part D and Medicare Advantage plans for 2018 run from November 1st to December 15, 2017. The open enrollment period is an opportunity to review your current health needs and make adjustments based on your current health care needs. It is also an opportunity for scam artists to try and take advantage of you.

To avoid being scammed, be on the lookout for these common scams:

  1. Switch your plan. An insurance agents tells you that open enrollment isn't just a chance to change your Medicare plans, it is a must. If you fail to change your plan you could lose your current coverage. Note: You are not required to change plans during open enrollment.
  2. Changing cards.  Someone tells you your Medicare card is changing. If you update your information a new card will be sent to you. The scammers gather your credit card and SSN to “issue” you a new Medicare card.
  3. Special pricing. High-pressure, immediate action, and low price pitches for Medicare policies are often just ploys to gather your personal information.
  4. Health fairs. Health fairs give scammers the opportunity for fraud. Scammers will staff a table during a health fair or event. At their table they advertize a free gift or prize if you sign up with your name and Medicare number.
  5. Fake organizations. Be careful of calls from people saying they're from your doctor's office, or state or local health agencies. Scammers often provide a phony, official-sounding name to sound more credible.

To avoid these Medicare scams BBB suggests you:

  1. Protect your Medicare number. Your Medicare number is often your Social Security Number. Just like you would protect your bank and credit card information, you want to keep your Medicare information private unless you are certain you are providing that information to someone who is part of your health care team.
  2. Be cautious of medical suppliers who contact you out of the blue. Medicare will never call or email you with product offers. Also, if an insurance agent calls or visits your home to sell a Medicare product, they are acting illegally.
  3. Know your Medicare coverage's
  4. .  Offers for free medications or medical equipment are most likely scams.
  5. Review your monthly Medicare statements. Check your statements for any suspicious activity.
  6. Know where to shop. To shop for or enroll in legitimate Medicare Advantage or Part D prescription drug plans, go to: http://www.medicare.gov or call 800-MEDICARE.

Monday, October 16, 2017

To shred or not to shred? That is the question.




Are you tired of clutter? It can seem overwhelming to tackle the mess, especially when it comes to our sensitive information or important documents we have collected over the years.  By knowing what to keep and what to shred you can help save space and reduce your risk. The list below offers you a guide of where you can start.  


Shred Now
  • Credit Card applications
  • Expired identification cards, employee badges, bank cards, passports
  • Copies of documents with confidential information no longer used
Shred Yearly
  • Unused Stenographers’ Notebook
  • Pay Stubs
  • Monthly statements (As long as they come with a year end statement - Don’t shred year end statements)
Shred 7 or Ten Years
  • Year end bank statements not needed for tax purposes
  • Sales Records
  • Scrap & Salvage Records
  • Canceled Stocks & Bonds Certificates
  • Subsidiary Ledgers
  • Withholding Tax Statements
Never Shred
  • Marriage, divorce, or birth certificates, etc.
  • Insurance policies & medical records
  • Retirement and pension records
  • Mortgages, Deeds, Leases, rental contract still in effect
  • Will
  • Legal & Important Correspondences
  • Diplomas and Degrees/transcripts  
  • Trademark Registrations & Copyrights
  • Medical records and other important information
  • Any active documentation should not be shredded until they have expired, such as pet records, employee benefits, credit reports, loan contracts, maintenance records, etc.
  • Not sure - Don’t shred it!


Click here to find a more complete list of how long you should keep your documents.


BBB offers these tips when deciding what to shred:


  • Whether it is for your home or business create a well defined plan on what you should keep and what you should get rid off.


  • Your home and office are not the only things that can become cluttered. Create a plan to clean up any digital clutter that may be piling up. Storing digital data can be costly. Get rid of any documents you no longer use or need.


  • Keep up-to-date on what needs to be shredded and when. Visit irs.gov  to see is there is any changes in how long you should retain certain records.


Do you  have documents that need shredding? Join Better Business Bureau Serving Greater Cleveland on October 21, 2017 from 10:00 am to 2:00 pm (or until truck is full) at RadAir Complete Car Care and Tire Centers in Westlake (27051 Detroit Rd) and Wickliffe (29257 Anderson Rd). Bring up to three bags to help safeguard your identity.

Find more information at: bbb.org/cleveland/SecureYourID

Wednesday, September 27, 2017

Changes are coming to your Medicare Card




By April 2019, your will notice changes on your Medicare card. Your card will no longer show your Social Security number. Instead, it will be replaced with a new Medicare Beneficiary Identifier (MBI). The MBI will be used for checking your eligibility, billing, and claim status. New cards will be sent to you automatically. Cards will be sent to you for free - you do not need to pay anyone or give anyone your information.
Having your Social Security number removed from your Medicare card will help fight medical identity theft and protect your medical and financial information.

Though your SSN will be removed from your card, scammers will still find ways to try and take advantage of you. To avoid Medicare scams BBB suggests you:

  1. Protect your information. Keep your Medicare information private . Medicare won’t call you nor will they ask you for your Social Security number or bank account information.
  2. Be cautious of medical suppliers who contact you out of the blue. Medicare will never call or email you with product offers. Also, if an insurance agent calls or visits your home to sell a Medicare product, they are acting illegally.
  3. Don’t pay for a your new Medicare Card. Your new Medicare card is free. If someone asks you to pay for your new card that is a scam.
  4. Know your Medicare coverages.  Offers for free medications or medical equipment are most likely scams. Also, your new Medicare cards will be mailed automatically. There will not be any changes to your benefits.
  5. Just hang up. If someone calls threatening to cancel your benefits if you don’t change your Medicare benefits or provide your personal information, just hang up.
  6. Review your monthly Medicare statements. Check your statements for any suspicious activity.
  7. Contact 1-800-MEDICARE (1-800-633-4227) with questions.

Thursday, September 7, 2017

Protecting Your Business

BusinessScams.png

As a business owner, it's your responsibility to do everything within your means to limit risk and keep the business running smoothly. Scammers will often try to take advantage of you or your employees. What is the best way to protect your business from these scammers? BBB offers warning signs from common scams that target small to medium-sized businesses.



Directory Listings


Scammers may contact your business asking you or your employees to “confirm” or “verify” your company's contact information for their business directory. Scammers often use similar sounding names like “Yellow Pages” to make you think the directory listing is legitimate. In reality the directory does not exist and the likelihood the company actually exist is slim.


Often the employees who answer the phone aren’t trained to recognize these scams. Employees are tricked into providing a listing and saying “yes.”   


The scammers then follow up by sending your business an invoice for your directory listing. When you try to dispute the invoice, the scammers will playback a recording of your employee saying yes, as “proof” that they agreed to pay for this listing. If you don’t pay this invoice scammers send more invoices, collection notices, and calls threatening to ruin your businesses credit.


Fake Invoices


Scammers will bombard your business with phony letters, emails, and bills. If you get a bill in the mail saying that your web address/domain is about to expire, don't panic. The “invoice” stresses that that if you don’t pay the bill immediately your website will be shut down. Some business pay first and ask questions later. Carefully read all invoices and channel all invoices through one department so your business can make sure the invoices you pay are legitimate.


Other invoice scams include: advertising listings, memberships, trademark, or bills for goods you would normally use.


Delinquent Utilities


What would you do if your company's power, gas, or phones shut off unexpectedly? Scammers feed off our emotions so we become more vulnerable to scams. You may get a call or letter from your utility company claiming that your account is delinquent. Scammers will tell you that if you don’t pay immediately your utilities will be shut off. When in doubt, find a legitimate phone number to call the utility company and confirm the notice. You don’t want to rely on the number the caller gives you. Scammers may also “spoof” the number to make it look likes it coming from the utility company in your area. The power company will never call demanding payment via prepaid debit card. They will send a written notice first.


Office Supply Scam


Every businesses need some sort of office supplies. But, not all offices have a formal procedure for processing orders. When supplies show up at the office, employees often OK or pay for the order without really checking. The orders delivered to the office may contain more products than you ordered. Even worse the boxes may contain no supplies at all. The scammer may call asking to verify the order, tricking the employees into saying yes. Your business may then get threatening calls demanding payment for the supplies. If you refuse to pay they caller present the verification your employee provided. Don’t pay for products or services you have not ordered. Compile a list of approved vendors you get deliveries from, create a formal procedure for deliveries, inspect invoices, and train staff.


Check Scam

Scammers will try every way to try to trick you into giving them money. Sometimes scammers will send your business a check in the mail that looks like a refund or a rebate check. Be cautious and read the fine print on the back of the check. By cashing the check you may be agreeing to be billed for something you don’t want or need. A similar fake check scam occurs when the scammer acts as the buyer. They convince you that they overpaid for the products that they ordered. They ask you to deposit the check and wire them the difference. You might be able to cash their check right away, but it can take weeks for the bank to determine the check is a fake. Now you are out of the money you sent the “customer” and are stuck with the fees associated with cashing a fake check.


Tuesday, August 15, 2017

Protect Your Children's Personal Information when Heading Back to School this Year

Free stock photo of apple, notebook, office, pen
As summer comes to a close, and you begin to get your children ready for a new school year, Better Business Bureau Serving Greater Cleveland (BBB) wants to remind you to protect your children from getting their identity stolen.

Many school forms require personal and sometimes sensitive information, allowing them to become vulnerable. Find out how your child’s information is collected, used, stored, and thrown away. By asking your school (and other organizations) to safeguard their information you can help minimize your child’s risk of identity theft.

Know the Warning Signs

A child’s Social Security number can be used by thieves to apply for government benefits, open bank and credit card accounts, apply for a loan/utility service or rent a place to live. There are several things that may alert you that someone is misusing your child’s personal information.

Some signs include:

  • If they are turned down for government benefits because the benefits are being paid to another account using the child’s Social Security number.
  • If they get a notice from the IRS saying the child didn’t pay income taxes or that the child’s Social Security number was used on another tax return.
  • If they get collection calls or bills for products or services that one didn’t receive.


Limit the Risks

Laws safeguard a consumer’s child and their family’s personal information. For example, the federal Family Educational Rights and Privacy Act (FERPA), enforced by the U.S. Department of Education, protects the privacy of student records. It also gives parents of school-age kids the right to opt-out of sharing contact or other directory information with third parties, including other families.

To limit the risk of child Identity Theft BBB suggests:

  • Find out who are your child’s school as access to their personal information. Verify that all records are kept in a secure location. 
  • Check for a credit report to see if your child’s information is being misused. If it is, visit IdentityTheft.gov to report and recover from identity theft.
  • If your child participates in activities such as sports, music, etc., read the privacy policies of these organizations to find out if and how your child’s information will be used and shared. 
  • Ask your child’s school about its directory information policy. Ask what information is being shared, who has access to the directory, etc. If you decide to opt-out it is best to do so in writing and keep a copy in your records. 

Take Action

If you believe your child's information has been compromised, contact the school to learn more. Talk with school staff about the incident, and keep written record of the conversations. To see if your child’s information is being misused, check whether your child has a credit report by contacting the three major credit reporting companies. If your child has become a victim of Identity Theft, visit IdentityTheft.gov to report and recover from the incident.

For more information you can contact your local consumer protection agency or state attorney general. You can also file a complaint with the U.S Department of Education.


Tuesday, August 8, 2017

Back to School Shopping Tips


back to school, conceptual, creativity
Before you know it, it will be time for your kids to head back to school. Nationally, the average family with children in grades K-12 will spend $673.57 on apparel, shoes, electronics and supplies, according to the National Retail Federation in 2016. Though not everyone will spend that much, BBB Cleveland wants youto remember these tips before heading back to school:
  • Make a shopping list. Even if you don’t know the exact school supply list, you should get an idea of school clothing and other basic school needs. Check at home first, and create an inventory of what you have. You may have items from prior school years. This will help you avoid making impulse purchases and making multiple trips to the store.
  • Create a budget.  Know how much you want to spend and purchase only items you need. There are many back to school sales this time of year. Compare prices and sign up for sale alerts from your favorite stores. Be sure to review ads for restrictions on quantities, and dates for sale and return policies.  Consider buying basic supplies (like notebooks, folders and pencils) at discount stores, such as the dollar store.
  • Plan ahead for expensive items. Occasionally, schools may require students have more expensive items such as laptop or notebook computers. Plan ahead for these “big ticket” items to avoid busting your budget. Many stores offer student and teacher discounts.
  • Network with parents.  Find out if your child’s school has a uniform exchange. It is a great way to recycle your gently used items and save money on the thing you need this year. You can also research on buying school supplies in bulk and splitting the cost with other parents in your area.

Monday, July 31, 2017

National Night Out 2017

On August 1, 2017, BBB along with other organizations across the country will be celebrating National Night Out. The goal of these events is to strengthen community bonds in order to create a safer community. Visit BBB on August 1, 2017, from 5-9 pm at Steelyard Commons and Solon Community Center for more tips! By working together with your neighbors, you can create a safe and secure community.


BBB offers tips to help get you started:

Get to know your neighbors. National Night Out is a great way to meet people in your area. Just knowing who your neighbors are is valuable, but establishing relationships really makes a difference in keeping your neighborhood safe from crime.

Neighborhood watch. Form a watch group in your area and report suspect activity. Alert neighbors and police if you see unfamiliar cars driving slowly or individuals acting suspiciously. Keep a list with names and phone numbers of homeowners on your block handy.

Shred your documents! Destroy all documents with financial or personal information in a shredder. This includes bank and credit card statements, stock portfolios, tax returns, ATM and credit/debit card receipts, copies of birth, death, and marriage licenses, vehicle titles, deeds and mortgages, pay stubs and insurance policies. BBB offers secure shredding twice a year (throughout our service area) at our Secure Your ID Day. To learn more about upcoming events visit:  bbb.org/cleveland/SecureYourID.

Monitor door-to-door sales. Although many legitimate companies solicit door-to-door, con artists use this technique as well. If a door-to-door salesperson knocks on your door, know that you do not have to answer the door or allow the person into your home. If you choose to answer, research  the company out first at bbb.org before committing to buy any product or service. Many cities also offer “No Soliciting” signs, check with your local city hall for availability.

Vacation safety. If you are traveling, let police, trusted neighbors, or friends and family know when you will be gone and where and how they can reach you. Having someone check on your home, bring in newspapers and mail, and turn lights on and off can help keep your home safe. If you’re going to be away for an extended period, consider a stop order for your newspapers and mail while you’re gone.

For more tips visit: go.bbb.org/neighborhoodsafety


Monday, July 24, 2017

Three Things you Didn't Know About BBB

Better Business Bureau Serving Greater Cleveland (BBB) has been serving the community for over 100 years. Though you may know about BBB Business Profiles, Accredited Businesses, Customers Reviews, and finding trustworthy businesses, there’s probably a few things you didn’t know. Let’s take a look behind the scenes to see what BBB Cleveland is really up to.
Engaging our youth
iStock_29724888_XLARGE.jpgTeens are full-fledged consumers, but many are lacking the basic financial literacy to assist them to make sound decisions.  Now, and as they become adults, they are at greater risk of falling prey to questionable offers, negative/costly buying experiences, and poor spending and credit practices. To help combat this problem, BBB launched its BBB TeenSmart program during the 2008-2009 school year. Since then we have provided over 130 financial literacy workshops to more than 2800 high school students. Workshops are conducted by BBB staff and volunteers from the business community. Classes include topics like: credit & debit, budgeting, online safety, student loans, and identity theft. BBB also host our Students of Integrity scholarship contest that honor four local high school juniors or seniors who personifies ethics through leadership, community service, and actions.
iStock_74189043_SMALL.jpgHonoring those who serve, have served, and their families
The BBB Military Line is a consumer education program. We work to bring education and outreach to equip those who serve, have served, and their families with the tools they need to navigate an ever changing and often complex marketplace. We use education and outreach that is user focused - on the ground - on the web - and through mobile technology. The MobileMi$$ion app is designed to help transitioning service members, veterans and their families manage their finances during the shift from active duty to civilian life. Want to learn more? Get tips and articles by signing up for the Trusted Scout, a BBB Military Line newsletter.
 Resolving Disputes

The goal of mediation/arbitration is to resolve business/consumer disputes quickly and economically as an alternative to the court system. BBB has been helping resolve disputes for almost 100 years. Whether your company is a small local firm or large national corporation, we are here to share our expertise and experience with you and your customers.  The BBB is a recognized leader in the design, development and implementation of dispute resolution programs.  Acknowledged experts in dispute resolution direct the development and delivery of programs and employ cutting edge technology to manage programs and services. A panel of approximately 1,000 professional arbitrators--predominantly attorneys--partner with the BBB system to provide arbitration hearings that are local and yet consistent with overall program mandates.