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    UnitedHealth’s Move to End Cyberattack Loan Lifeline Upsets Medical Providers

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    The company lent roughly $9 billion to practices affected by a vast cyberattack on its payment systems last year. Medical practices are now suing the health care colossus, saying it is pressuring them to repay funds.Two independent medical practices in Minnesota once hoped to expand operations but have spent the past year struggling to recover from the cyberattack on a vast UnitedHealth Group payment system.Odom Health & Wellness, a sports medicine and rehabilitation outfit, and the Dillman Clinic & Lab, a family medicine practice, are among the thousands of medical offices that experienced sudden financial turmoil last year. The cyberattack against Change Healthcare, a division of United, paralyzed much of the nation’s health-care payment system for months.Change lent billions of dollars to medical practices that were short on cash but has begun demanding repayments.Dillman and Odom are suing United in U.S. District Court in Minneapolis, accusing the corporation of negligence related to the cyberattack and claiming they sustained excessive expenses because of the attack’s fallout.In addition, Odom and Dillman asserted in court filings that the company’s insurance arm, UnitedHealthcare, has in turn been denying claims to cover patient care for being submitted late.Lawmakers viewed the chaos caused by the cyberattack as a result of United’s seemingly insatiable desire to buy up companies like Change, alongside doctors’ practices and pharmacy businesses. The widespread disruption was a reminder of how deeply United’s sprawling subsidiaries had become embedded in the nation’s health care system.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Daniel Kahneman’s Decision: A Debate About Choice in Dying

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      More from our inbox:Questions for America Kelli AndersonTo the Editor:Re “The Lesson From a Nobel Laureate’s Chosen Death,” by Katarzyna de Lazari-Radek and Peter Singer (Opinion guest essay, April 20):I admire and respect Daniel Kahneman’s decision to end his life at 90 and hope I am able to be as clearheaded and resolute in another decade or two, when my time comes.I understand our culture’s knee-jerk pushback against the notion of assisted suicide when there is no imminent threat of death. However, as someone who has cared for elderly relatives suffering “the miseries and indignities of the last years of life” that Professor Kahneman feared, I think his decision makes perfect sense.I witnessed the awful reality of a loved one, sick and infirm, with no prospect for returning to an independent life, suffer for three long years. Regardless of age or accomplishment, all that each of us has in life is this precious moment — now. Seeing those moments reduced to nothing more than waiting to die and the misery that prospect elicits reveals the wisdom of Professor Kahneman’s decision.G. Steve JordanNew YorkTo the Editor:You don’t have to be a Nobel laureate to understand Daniel Kahneman’s concept of a “complete” life and his decision to go to Switzerland. I believe that our freedoms include the right to die with dignity. If an individual who is cogent and psychologically stable believes that she has lived life well, that her life is complete and that her future will not bring improvement or joy, she should have the right to make the decision to terminate her life. Period.I am 77 years old, and I have talked with my husband and two adult children about my wishes. While I am not ready to make the decision today, I want them to understand my choices when the time is right. I truly hope there are states in this country, including my own, that will follow Switzerland’s lead in time for my decision. Thank you for publishing this important essay.Joan Temko AnyonSan FranciscoTo the Editor:Daniel Kahneman’s decision to end his life through assisted suicide in Switzerland raises troubling questions about the normalization of such practices. Professor Kahneman was not terminally ill, which is what most American proponents of assisted suicide say it is for.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      The Fear Factor and America’s Future

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      More from our inbox:Depression and AgingPaul Revere’s Legacy Robert Gumpert/ReduxTo the Editor:“I Have Never Been More Afraid for My Country’s Future,” by Thomas L. Friedman (column, April 17), is an alarm we all need to hear. His main point couldn’t be clearer: The things that have made America strong — our rule of law, our global partnerships and our ability to lead in innovation — are being systematically undermined by a leader more focused on revenge than building a future.While other countries, like China, are investing in clean energy, advanced technology and long-term strategy, we’re clinging to the past and isolating ourselves in the process. If we don’t start paying attention, demanding accountability and thinking beyond the next news cycle, we will wake up in a country that’s poorer, more divided and left behind.We ignore Mr. Friedman’s warning at our own peril.Robert StewartChantilly, Va.To the Editor:Like Thomas L. Friedman, I have never been more afraid for my country’s future. But not because of the mistaken economic policies he focuses upon, dangerous as those may be. By far the most dangerous and repugnant reality of President Trump’s second term is his ongoing violation of constitutional guardrails and democratic norms so that he can assume a level of power never intended for any president.This threat is not simply an undesirable context for potentially fatal economic actions, as Mr. Friedman indicates. Rather, those guardrails are more fundamental to a strong economic future than any particular policy action. Even more important, they are absolutely essential to the decent society that economic activity and government are supposed to promote.Robert WardAlbany, N.Y.To the Editor:Thomas L. Friedman’s column captures, with characteristic urgency and clarity, the Trump administration’s surrealism and strategic incoherence.His critique of President Trump’s nostalgia-driven economic nationalism — especially the fetishization of coal at the expense of clean technology innovation — is timely and damning. Few writers can as effectively tie in the everyday absurdities of this administration to their long-term global implications.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Trump Cuts Threaten Meals and Services for People With Disabilities and the Aging

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      Every Monday, Maurine Gentis, a retired teacher, waits for a delivery from Meals on Wheels South Texas.“The meals help stretch my budget,” Ms. Gentis, 77, said. Living alone and in a wheelchair, she appreciates having someone look in on her regularly. The same group, a nonprofit, delivers books from the library and dry food for her cat.But Ms. Gentis is anxious about what lies ahead. The small government agency responsible for overseeing programs like Meals on Wheels is being dismantled as part of the Trump administration’s overhaul of the U.S. Department of Health and Human Services. Roughly half its staff has been let go in recent layoffs and all of its 10 regional offices are closed, according to several employees who lost their jobs.“I’m just kind of worried that the whole thing might go down the drain, too,” Ms. Gentis said.In President Trump ’s quest to end what he termed “illegal and immoral discrimination programs,” one of his executive orders promoted cracking down on federal efforts to improve accessibility and representation for those with disabilities, with agencies flagging words like “accessible” and “disability” as potentially problematic. Certain research studies are no longer being funded, and many government health employees specializing in disability issues have been fired.The downsizing of the agency, the Administration for Community Living, is part of far-reaching cuts planned at the H.H.S. under the Trump administration’s proposed budget.While some federal funding may continue through September, the end of the government’s fiscal year, and some workers have been called back temporarily, there is significant uncertainty about the future. And some groups are reporting delays in receiving expected federal funds.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      How to Be a Happy 85-Year-Old (Like Me)

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      In 2000, I published a book called “Rules for Aging,” a sort of how-to guide for navigating the later years of one’s life. I was 60 at the time and thought that I knew a thing or two about being old. Twenty-five years later, I just finished a sequel, which reflects my advice for growing very, very old. (I have been doing a lot of that lately.) It took me 85 years to learn these things, but I believe they’re applicable at any age.1. Nobody’s thinking about you.It was true 25 years ago, and it’s true today. Nobody is thinking about you. Nobody ever will. Not your teacher, not your minister, not your colleagues, not your shrink, not a soul. It can be a bummer of a thought. But it’s also liberating. That time you fell on your butt in public? That dumb comment you made at dinner last week? That brilliant book you wrote? No one is thinking about it. Others are thinking about themselves. Just like you.2. Make young friends.For older folks, there is nothing more energizing than the company of the young. They’re bright, enthusiastic, informative and brimming with life, and they do not know when you’re telling them lies.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      In Retirement: Blessings and Challenges

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      Readers respond to an article about staying mentally sharp in retirement.To the Editor:Re “Staying Sharp After Retiring Is Its Own Job” (front page, March 28):It’s not surprising to me that research has found that retirement can lead to an increase in depression and cognitive decline. When I retired from teaching, emptying my office and sorting through 50 years of class notes felt more like grieving than celebrating, even as people backslapped me with “Congratulations on your retirement!”This newspaper’s daily obituaries of accomplished people convinces me how much work matters in our lives; so many profile the extraordinarily long lives of people who worked with passion well into old age.While retirement has its blessings, like not worrying about trivial work-related problems that keep you up at night, something tells me that if you love what you do, it’s not a bad idea to stick with it.Cathy BernardNew YorkTo the Editor:Entering my eighth year of retirement, having left work at the relatively young age of 60, I can state that it’s challenging to stay sharp mentally, but easily done if so desired.First off, a number of my fellow retiree travelers, exhausted mentally from challenging work roles, often seek purposely to retreat. For them, constant golf, tennis and the like are just fine.But the bulk of retired folks I know pretty much follow advice that I received before retirement, which was to set one’s retirement life into three phases — the “go go,” “go slow” and “no go” years — and act accordingly.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Dozens of Canadians Are Charged in $21 Million ‘Grandparent Scam’

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      The conspirators called older adults and posed as their grandchildren in need of bail money after a fake arrest, federal prosecutors said.They sat in call centers in Montreal and targeted older Americans, claiming to be grandchildren in need of bail money after an arrest. In all, federal prosecutors said, more than two dozen Canadians defrauded hundreds of vulnerable Americans out of $21 million over three years in what the authorities called a “Grandparent Scam.”On Tuesday, the U.S. Attorney’s Office in Vermont announced that 25 Canadian nationals had been charged with conspiring to defraud Americans in 45 states. All of those accused are from Ontario or Quebec, and 23 had been arrested in Canada as of Tuesday afternoon, prosecutors said.According to prosecutors, the conspirators placed phone calls from centers in and near Montreal between the summer of 2021 and June 4, 2024, as part of the scheme.“Today’s arrests are the result of domestic collaboration as well as our critical international partnerships with our colleagues in Canada, Sûreté du Québec and the Royal Canadian Mounted Police,” Michael J. Krol, a special agent for Homeland Security Investigations in New England, said in a statement on Tuesday. “Tackling transnational crime is one of our greatest priorities and we’re working hand-in-hand with our neighbors to dismantle organized criminal groups that threaten our safety and security.”The call centers were managed by five Canadians who were charged with money laundering in addition to the conspiracy charge that all of those charged face, according to court records.“These individuals are accused of an elaborate scheme using fear to extort millions of dollars from victims who believed they were helping loved ones in trouble,” Mr. Krol said in the statement.The conspirators also told the older adults that there was a “gag order” that prevented them from discussing their relative’s predicament with other family members, the U.S. attorney’s office said.The callers used a variety of tactics to obtain money from the older Americans, according to court records. The most common tactic was to pose as a young relative who had just been arrested after a car accident.After the victims turned over the money, it was eventually transmitted to Canada, the authorities said, noting that some of the transactions involved cryptocurrency.The 25 Canadians whose indictments were unsealed on Tuesday joined nine Americans who had previously been charged in the “Grandparent Scam,” the authorities said.Contacts for those charged or their lawyers were not immediately available.If convicted, the five managers would face a maximum of 40 years in prison, while the other alleged conspirators would face a maximum of 20 years in prison.The F.B.I. warned that grandparent schemes targeting older adults are common. One such scheme figured in the plot of the 2024 movie “Thelma,” starring June Squibb, which followed a 93-year-old woman on a journey to reclaim the money that had been stolen from her. More

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      Boar’s Head Listeria Outbreak Survivors Describe Harrowing Illnesses

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      The outbreak, linked to Boar’s Head products, has been especially devastating for high-risk groups like pregnant women and older adults.Ashley Solberg wasn’t worried about the risk to her pregnancy when she bought Boar’s Head sliced ham from a Florida supermarket in May. Her doctor had told her the risk was negligible, Ms. Solberg said, and she’d eaten deli meat without any issues in her last pregnancy. So she used it to make a poolside lunch for her parents and toddler.It was only when she returned home to Coon Rapids, Minn., that she started to feel ill. When her fever persisted for a third day, she went to a hospital, where a blood test revealed she had been infected with the bacteria Listeria monocytogenes. A doctor told Ms. Solberg, who was 36 weeks pregnant, that she might need an emergency C-section, or worse.“The doctor came in and said there’s a possibility that your baby won’t make it, and said over and over how serious a listeria infection is,” she said. “I was terrified.”Ms. Solberg, 33, is one of 57 people across 18 states who have been hospitalized in an ongoing listeria outbreak tied to Boar’s Head deli meats. The bacteria thrive in cold temperatures, which is why listeria is more commonly found in processed meats, fruit and dairy products. Contaminated food can also deposit the bacteria on counters, deli-meat slicers and other places where food is processed.Most people don’t get very sick from listeria. But for older adults, immunocompromised people and pregnant women, an infection can cause serious health issues or even death. All nine deaths linked to the outbreak have been of people older than 70, according to the Centers for Disease Control and Prevention.Ms. Solberg and others sickened in the outbreak described their shock at falling seriously ill after eating cold cuts or liverwurst they had enjoyed without issues for years. One patient had to pause her chemotherapy treatments for leukemia to battle the infection. Some became so ill they had to spend weeks receiving IV antibiotics, and are still trying to regain their strength.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Young Americans Can’t Keep Funding Boomers and Beyond

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      You know the expression “OK, Boomer”? Better said as “Boomer OK.” That’s because the social safety net in the United States is increasingly favoring the old over the young. And this affects our political views and the security of future generations.Younger Americans have valid reason for disgruntlement: Big shifts in income and wealth are dramatically favoring their elders. Under almost every president since 1980, 80 percent of the real growth in domestic spending has gone to Social Security and health care, with Medicare the most expensive health program, according to calculations based on federal data. As a share of GDP, all other domestic outlays combined have declined.Our current tax system also largely does not help Americans, most of whom are younger, pay for their higher education. That wasn’t as big a deal in the 1960s or 1970s, when the average college graduate most likely had little or no student debt. Today, the average taken out each year is about seven times that in 1971, in part because state governments have stripped colleges and universities of funding. This is happening at a time when owning a house is increasingly out of reach. The median price has risen from about 3.5 times median annual income in 1984 to 5.8 times in 2022.So it shouldn’t come as a surprise that today, younger generations are more likely to fall into lower-income classes than their parents or grandparents. Nearly a half century ago, it was the reverse. And in 1989, the median net worth of Americans aged 35 to 44 was nearly 75 percent of those aged 65 to 74. By 2022, that ratio had fallen to one-third.The why is simple. Unlike most other spending, Congress effectively designed Medicare in 1965 and Social Security in the 1970s in such a way that outlays would increase forever faster than our national income. That’s partly because Medicare costs keep rising along with medical prices and new treatments and because Social Security benefits are designed to increase for each new generation along with inflation and wages. And we’re living longer, which means more years of benefits.Today, tax revenues are so committed to mandatory spending, largely for older Americans, and to interest on the national debt (which has quadrupled as a share of G.D.P. since 1980) that few revenues are left for everything else. So, unless we borrow to pay for it, there’s little for education, infrastructure, environment, affordable housing, reducing poverty, or the military.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More