National Association
The National Association of Senior Advocates (NAOSA) is a professional organization featuring businesses and professionals who specialize in the unique needs of older adults.
Gold Standards - Senior Living Communities. Senior living has so many options that it can be very confusing to the consumer.
Most individuals are unaware of all the options and rely in large part on the professionals representing the community itself. By and large, NAOSA has found most community sales and marketing professionals to be honest and try their best to represent the community in a fair manner. The majority of community representatives are mission driven, enjoy what they do and believe in the community they represent.
However, with sales quotas and occupancy pressures, the emphasis can, at times, be more on gaining a new resident. NAOSA's research into senior living communities focused on honesty of communication, accurate price quotes, quality of living and care, and the degree as to which residents have an active voice at the community. Gold Standards - Senior Living Brokers. The goal of the NAOSA Gold Standards of Professional Practice™ in Senior Living Consultants/Brokers is to ensure that the consumer receives the right type of advice and is always referred to the appropriate solution that meets his or her needs.
There are two financial models under which senior housing placement consultants operate: 1. Fee based Consultants:These companies may include a geriatric case manager, attorney or other company specializing in senior housing. These consultants charge a fee directly to the client for services rendered. 2. Which Model is Better? Gold Standards - Reverse Mortgage. The goal of the NAOSA Gold Standards of Professional Practice™ for Reverse Mortgage Brokers is the requirement to be clear & concise in all communications and to work to ensure that a reverse mortgage is only offered when appropriate.
Although reverse mortgages have seen increased regulation from both the federal and state governments, there are still many opportunities for a consumer to be taken advantage. In addition to federal and state regulations that may be already in place, the National Association of Senior Advocates member professionals have identified several business practices that require more clarification or elimination.
The goal of the first part of this document is to offer information on the reverse mortgage product and potential uses for a reverse mortgage. The second details the NAOSA Gold Standards of Professional Practice™. What is a Reverse Mortgage? A HECM loan is a mortgage insured by the Federal Housing Administration (FHA). What are Eligibility Requirements? Gold Standards - Real Estate. The goal of the NAOSA Gold Standard of Professional Practice™ in the real estate profession is the requirement to be clear & concise in all communications and to avoid conflicts of interest.
Although real estate agents are obligated to ethics rules by the state and members associations, there are still many gray areas that have not been addressed. In addition to ethics requirements already in place, the National Association of Senior Advocates member professionals have identified several business practices that require more clarification or elimination in real estate transactions. With the goal of always working in a client’s best interest, all real estate agents agree to the following: NAOSA Gold Standard of Professional Practice™: 1. Gold Standards -Medicare Supplement and Medicare A.
The NAOSA Gold Standards of Professional Practice for Medicare Supplement (Medigap) and Medicare Advantage agents/brokers requires that all members perform a thorough needs analysis prior to recommending a policy to a client.
NAOSA requires that the client be educated in all aspects of coverage and at no time will the client be steered to one policy over another. The Centers for Medicare & Medicaid Services (CMS) has strict rules regarding the sales and marketing of Medicare Supplement and Medicare Advantage plans. Individual states also have insurance regulations in place. Gold Standards - Long Term Care Insurance. The goal of the NAOSA Gold Standards of Professional Practice for Long Term Care Insurance is the requirement that NAOSA Members conduct an in-depth analysis and comprehensive approach to solution development.
Although brokers and agents are obligated to ethics rules by the federal and state governments as well as member associations, there are still many gray areas that have not been addressed. In addition to ethics requirements already in place, the National Association of Senior Advocates member professionals have identified several business practices and/or products that require more clarification or elimination. With the goal of always working in a client’s best interest, all NAOSA Members agree to the following: NAOSA Gold Standards of Professional Practice™ 1: Policy Replacement: Policy Replacement is rarely appropriate, even with an older policy facing a rate increase. Why retain your current policy? There is no one best policy type. Gold Standards - Legal Professionals. The goal of the NAOSA Gold Standards of Professional Practice™ in the legal profession is the requirement to be clear and concise in all billing.
Although legally obligated to bill correctly and not overcharge, at times, legal professionals will bill for services that are unexpected by the client. This is not to imply that the professional is acting unethically. Many times a client will agree to certain work and, later, request additional services without fully understanding that this will increase the total cost. With the goal of avoiding confusion and unexpected charges, all legal professionals who are members of NAOSA agree to the following: Gold Standards - Insurance and Investments. The NAOSA Gold Standards of Professional Practice for investment and life insurance agents/brokers requires that members, as stated previously, act in utmost good faith when working with clients.
Members may only offer products and services that the NAOSA member reasonably believes to be in the best interest of the client. Although brokers and agents are obligated to rules and regulations established by both the federal and state governments, there are still many gray areas that have not been addressed. The National Association of Senior Advocates member professionals have identified several business practices and/or products that require a deeper consumer education and at times, elimination from consideration. Gold Standards - Home Care. The goal of the NAOSA Gold Standards of Professional Practice™ in Home Care and Assistance is to educate the consumer and establish best practices that will improve the safety and well-being of the consumer, prevent fraud and set guidelines to providing outstanding customer service.
These guidelines are not meant to cover medical based assistance. Please refer to your State’s Department of Aging for helpful information regarding medical based home care. Gold Standards - Auto and Homeowners Insurance. The focus of the NAOSA research into auto and homeowners insurance is in honesty of pricing and transparency of what is being covered.
Insurance can be very confusing with all the different options and it is very easy to get misquoted or simply misunderstand the quote that was given to you. For example, when receiving quotes, an unscrupulous agent may lower your coverage amount or increase a deductible in a certain portion of your policy in order to be competitive or "cheaper" than the competition.
The National Association of Senior Advocates member professionals have identified two business practices in the auto and homeowners insurance industry that make up our Gold Standards of Professional Practice. Fraud Scam and Financial Exploitation. I confirm that I am at least 16 years of age or older I have read and accept any EULA, Terms and Conditions, Acceptable Use Policy, and/or Data Processing Addendum which has been provided to me in connection with the software, products and/or services. I have been fully informed and consent to the collection and use of my personal data for any purpose in connection with the software, products and/or services. I understand that certain data, including personal data, must be collected or processed in order for you to provide any products or services I have requested or contracted for. Outlet Shopping - Its In The Details. I confirm that I am at least 16 years of age or older I have read and accept any EULA, Terms and Conditions, Acceptable Use Policy, and/or Data Processing Addendum which has been provided to me in connection with the software, products and/or services.
I have been fully informed and consent to the collection and use of my personal data for any purpose in connection with the software, products and/or services. I understand that certain data, including personal data, must be collected or processed in order for you to provide any products or services I have requested or contracted for. NAOSA Blog - Twelve Steps To Prevent Fraud. By: NAOSA Staff Writers April 15th, 2020 Covid19 has impacted all of us. This is especially true, if your home was on the market, or you are planning to sell your home after the Coronavirus shutdown.
Selling a home is stressful at the best of times, and is filled with even more anxiety now. Despite everything being in shutdown, there’s a lot you can be doing to prepare for selling your home once life is back to normal. NAOSA Blog - Twelve Steps To Prevent Fraud. 1) Recognize Swindlers at First Contact - Scammers often pose as public servants, distant relatives, non-profit organizations, or representatives from familiar companies when approaching their targets.
Verify who you are speaking with before sending someone money or communicating your personal information, especially if the unexpected request originates from text messages, phone calls or emails. 2) Never Send Money To Strangers - Fraudsters likewise pretend to be people in despair or loved ones who require help. These thieves will create fake websites or phony profiles in social media with intent to deceive honest people into sending them money. Don’t be a victim—never send cash to someone you haven’t personally met. 3) Beware of Caller ID - Crooks often use hi-tech gadgets to send fake phone numbers to caller ID equipment; this means the number that pops up on your cell phone may not be real! FTC and partners tell robocaller. I confirm that I am at least 16 years of age or older I have read and accept any EULA, Terms and Conditions, Acceptable Use Policy, and/or Data Processing Addendum which has been provided to me in connection with the software, products and/or services.
I have been fully informed and consent to the collection and use of my personal data for any purpose in connection with the software, products and/or services. I understand that certain data, including personal data, must be collected or processed in order for you to provide any products or services I have requested or contracted for. I understand that in some cases it may be required to use cookies or similar tracking to provide those products or services.. I understand that I have the right to request access annually to any personal data you have obtained or collected regarding me. Beware of Mystery Shopping Scams. Medicare does not give out DNA kits. Spread The Word About Social Security. Worshipers Targeted By Gift Card Scam. We’re seeing a new spin on gift card scams. This time, scammers are pretending to be a pastor, rabbi, priest, imam, or bishop. The Latest News on Romance Scams. Find a Professional. Integrity . Reliability . PF Membership Sales Page.
NAOSA Gold Standards of Professional Practice. NAOSA requires members to act in utmost good faith when working with clients and in a manner that the NAOSA member reasonably believes to be in the best interest of the client. Social Security Is Not Taking Your Benefits. What is Medigap or Medicare Supplement Insurance? Medicare and Stroke Prevention. Preventing Pneumonia Is Easy. Preventing Pneumonia Is Easy. Medicare and Stroke Prevention. Outlet Shopping - Its In The Details. NAOSA Blog - Twelve Steps To Prevent Fraud. Senior Resources Home Page. Find a Professional. Fraud Scam and Financial Exploitation. Outlet Shopping - Its In The Details. Preventing Pneumonia Is Easy. Find a Professional. Preventing Pneumonia Is Easy. Senior Resources Home Page. Senior Resources Home Page. Senior Resources Home Page. What is Medigap or Medicare Supplement Insurance?
COVID-19: What Older Adults Need to Know. NAOSA Blog - Twelve Steps To Prevent Fraud. NAOSA Blog - Twelve Steps To Prevent Fraud. Avoid Coronavirus scams. Senior Resources Home Page. Become A Professional Member. Senior Resources Home Page. Senior Resources Home Page. NAOSA Gold Standards of Professional Practice. Find a Professional. Gold Standards - Home Improvement and Home Repair. Gold Standards - Home Improvement and Home Repair. Gold Standards - Senior Living Communities. Gold Standards - Senior Living Brokers. Gold Standards - Reverse Mortgage. Gold Standards - Real Estate. Gold Standards -Medicare Supplement and Medicare A. Gold Standards - Long Term Care Insurance.
Gold Standards - Legal Professionals. Gold Standards - Insurance and Investments. Gold Standards - Home Care. Gold Standards - Auto and Homeowners Insurance. Gold Standards - Home Improvement and Home Repair. Gold Standards - Senior Living Communities. Gold Standards - Senior Living Brokers. Gold Standards - Reverse Mortgage. Gold Standards - Real Estate. Gold Standards -Medicare Supplement and Medicare A. Gold Standards - Long Term Care Insurance. Gold Standards - Legal Professionals. Gold Standards - Insurance and Investments. Gold Standards - Home Care. Gold Standards - Auto and Homeowners Insurance.
NAOSA Gold Standards of Professional Practice. Untitled. Untitled. Find a Professional. Sample SERP. What is Medigap or Medicare Supplement Insurance? Medicare and Stroke Prevention. Preventing Pneumonia Is Easy. COVID-19: What Older Adults Need to Know. Fraud Scam and Financial Exploitation. Outlet Shopping - Its In The Details. NAOSA Blog - Twelve Steps To Prevent Fraud. FTC and partners tell robocaller. Beware of Mystery Shopping Scams. Medicare does not give out DNA kits. Spread The Word About Social Security. Worshipers Targeted By Gift Card Scam. The Latest News on Romance Scams. NAOSA Members Operate at a Higher Standard. What is Medigap or Medicare Supplement Insurance? NAOSA Blog - Twelve Steps To Prevent Fraud.
Social Security Is Not Taking Your Benefits. New York Life Insurance Company - National Association of Senior Advocates. Become A Professional Member. Become A Professional Member.