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elder scams

June Squibb and Fred Hechinger in a scene from the film. Photo courtesy of Magnolia Pictures

Reviewed by Jeffrey Sanzel

Grandparent Scams — often referred to as “Gram Scams” — most commonly take the form of a young man calling with an urgent financial crisis (overdue rent, car repairs, accident, jail bond) and requesting gift cards, a money transfer, or some other mode that does not require identification to collect. Elder fraud has sharply increased, with $3.4 billion in losses in 2023 (up 11% from the year before). 

Thelma, the wonderful film written and directed by Josh Margolin, follows 93-year-old Thelma Post (June Squibb) as she embarks on a quest to recover a scammed $10,000. The simple, linear storyline opens with the nonagenarian coached by her loving grandson (Fred Hechinger) on how to scroll through emails. She is simultaneously independent and reliant on the support of her family. When the police cannot help recover her ten grand, she takes matters into her own hands.

A plot of this nature could easily devolve into a series of comic capers, forced hijinks, and geriatric jokes. Instead, Margolin skillfully opts for a quieter, more methodical, and ultimately honest approach. Thelma first attempts to reach out to friends for help and discovers in a montage of phone calls that most are ill or dead. The awareness is one of many beautifully crafted “ah-hah” beats in a film that never skews to the easy choice.

Eventually, she teams up with the initially reluctant Ben (Richard Roundtree), a friend residing comfortably in an assisted living/nursing home. Using Ben’s two-person scooter, their first stop is the home of their friend Mona (Bunny Levine). In one of the most subtlety touching but equally raw scenes, neglect and isolation are brought into clear focus. (Levine is flawless in her few minutes of screen time.) 

Running parallel is Danny’s story, with his protective but often disappointed parents, Gail (Parker Posey) and Alan (Clark Gregg). As they hover and worry over Thelma, they also fret about the underachieving Danny, who cannot get his life together. The brittle family dynamic plays an important part of the action and the resolution. 

Thelma is peppered with “don’t-I-know-you” encounters that reflect decades of living but also loss. The screenplay is smart, sharp, and wholly sincere without ever being saccharine or sentimental. Lines that would seem predictable or even pablum resonate: “I didn’t expect to get so old” is not a lament but a statement of fact. This approach to reality is a hallmark of the film’s delicate blend of humor and poignancy. And Thelma is truly funny, with many laugh-out-loud flashes but none that ever cross into farce. (The production of Annie, in which Ben stars as Daddy Warbucks, is hilarious but not ridiculous.) The use of cell phones connected to hearing aids seems almost like a bit, but later comes into important play. Nothing in Thelma ever feels less than truthful. 

June Squibb’s early career included appearances on Broadway in Gypsy (1959), The Happy Time (1968), and The Public Good (1975). Her first television role was in a 1985 CBS Schoolbreak Special and her film debut was in Woody Allen’s Alice (1990). Her many appearances made her a reliable and recognizable character actor, with a breakthrough in Alexander Payne’s Nebraska, where she played opposite Bruce Dern. She received over two dozen nominations, including one for an Academy Award. With Thelma, she will most likely receive equal accolades and a second nomination if not a win. The 93-year-old Squibb (who cameos as the voice of Nostalgia in Inside Out 2) offers a nuanced, touching, and completely connected performance. She is incapable of anything less than being fully present with each triumph and setback. Squibb’s Thelma is unmatchable and so far one of the year’s strongest performances. 

In his final role, Richard Roundtree gives Ben true dimension. Best known as Detective John Shaft from the 1971 film Shaft and its numerous sequels, Roundtree infuses Ben with a mix of insight and melancholy, somehow showing contentment and resignation. He and Squibb seamlessly present the tenuous connection that grows to a newfound affection. In one of the most memorable interactions, a fall leads to a scene of deepest compassion and, even more so, understanding. 

As the grandson, Hechinger avoids the usual slacker traps by balancing familial love with barely masked anxiety. Posey and Gregg’s parents come across as slightly goofy, but their palpable concern gives weight to their frustrations. Nicole Byer and Quinn Beswick elevate the minor supporting roles of assisted living staff. Malcolm McDowell offers levels in what could be a one-note performance.  

Thelma is not The Golden Girls or the lowest-common-denominator of “Where’s the Beef?” Age is central but not an easy punchline. Thelma is heartfelt and sometimes painful — it confronts hard truths even in its lightest moments. But it is a memorable journey and certainly one worth taking.

Rated PG-13, Thelma is now playing in local theaters.

METRO photo

By Hon. Gail Prudenti

Hon. Gail Prudenti

Before this decade is over, about a quarter of New York State’s population will be over the age of 60. Meanwhile, the 85-and-up populace is the fastest growing demographic subset in the state. This is a population that is inherently susceptible to abuse and exploitation, and the type of people who would take advantage of these vulnerable citizens know it.

A common con is the “grandma, it’s me” scam: A hysterical young person calls, pretending to be a grandchild and claiming to be in trouble for driving under the influence of cannabis and begging them not to tell the parents. The “grandchild,” whose voice is a little hard to make out because of the fake crying, puts a fake police officer on the phone, who instructs the victim to quickly wire over several thousand dollars for bail. 

I am aware of an elderly couple — well-educated, intelligent people in their mid-80s — who fell for it, thinking their beloved grandson needed their help. They’re out $5,000.

Although as a group those over 65 are much less likely to become crime victims than younger people, the elderly are increasingly victimized by various forms of abuse — physical abuse, emotional abuse, sexual abuse, neglect, abandonment and, most commonly, financial exploitation. Solid statistics, though, are hard to come by since we only know what has been reported and, in many jurisdictions, mandatory reporting laws are either weak or inconsistent.

The federal government’s estimates range from 500,000 to two million incidents of elder abuse annually. In New York, the Office for the Aging cites the incidence of elder abuse at about 300,000 per year. The Centers for Disease Control and Prevention contends one in 10 Americans aged 60 and above have experienced some form of elder abuse in the last year alone.

A study by the New York State Bar Association, Under the Radar: New York State Elder Abuse Prevalence Study, showed that 14 percent of all older adults in New York State experienced some form of elder abuse since turning 60. What’s more, the Bar Association report concluded that for every incident documented by state agencies, 24 went unreported. Tragically, many elderly victims won’t report because they are embarrassed and that includes the couple I mentioned earlier who fell the “grandma it’s me” scam), or because the abuser is their caretaker—the only person nearby that they can “rely” on.

Researchers and experts can’t seem to agree on what “elder” means — over 60? over 65? or is it a matter of mental capacity rather than an arbitrary age? — let along what all constitutes “elder abuse.” What we do know is that the many, many shapes of elder abuse implicate all sorts of laws, criminal and civil.

Our criminal courts increasingly deal with physical assaults, fraud and other crimes perpetrated against an older population.

Our civil courts deal with such thorny issues as competency: Does the elderly person have the capacity to sign a contract, and if not is the contract enforceable?; does the elderly person have the capacity to consent to or refuse medical treatment?; does the elderly person have the capacity to intelligently change his or her will?; does the elderly person have the capacity to consent to marriage—and what standing has the relative convinced that the suitor is trying to work his way into grandma’s estate rather than her heart? These are thorny legal questions, and oftentimes there is no clear answer.

I think we all need to be on the alert for the signs of possible elder abuse. Are there unexplained bumps and bruises, and does the older person become guarded when you inquire? Does the individual suddenly seem withdrawn or scared? Has their personal hygiene declined noticeably? Is the individual transferring assets or writing checks for cash? Is their cellphone off more than it used to be, or are you getting odd responses to texts that may indicate someone else is “managing” their communications? 

The tricky thing is, all of the above could be evidence of elder abuse. Or not.

A bill pending for years in the New York State Legislature would require the state Office for the Aging to develop elder abuse training and offer that training to senior service centers and contractors. However, experts say that elder abuse most commonly occurs in the home, which puts the onus on family, friends and neighbors to know the signs and maintain a watchful eye.

If you witness abuse, call 911. If you suspect someone is a victim of elder abuse, call the NYS Adult Protective Services Helpline at 1-844-697-3505. As with homeland security, if you see something, say something.

Hon. Gail Prudenti is the Former Chief Administrative Judge State of New York and a Partner at Burner Prudenti Law, P.C. focusing her practice on Trusts & Estates. Burner Prudenti Law, P.C. serves clients from New York City to the east end of Long Island with offices located in East Setauket, Westhampton Beach, Manhattan and East Hampton.

This article originally appeared in TBR News Media’s Prime Times senior supplement on 01/25/24.