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CLEVELAND — The family of a 75-year-old woman is fighting for more information after they say she received a letter from the Social Security Administration stating that she needed to repay nearly ,000. Teresa Licate of Stow, Ohio, is a two-time cancer survivor that suffers from a heart condition. She recently received a letter from Social Security, dated Oct. 17, 2018, that said she had been mistakenly overpaid ,796 and needed to pay that money back. Teresa's son, David, said she was in considerable distress when she received the letter. "Almost to tears. What am I going to do?” David Licate said of his mother's reaction. A trip to the Social Security offices in nearby Akron weren't of much help. David Licate claims an agent told him that she "didn't have any idea what the problem was." Since October, Social Security has withheld more than 0 a month from Licate's check. But David Licate said his mom's paperwork tells a different story. "We were able to go back and illustrate that they lost the data that the dollar amount was mistaken,” David Licate said. Beyond Social Security's mistake, the Licates are frustrated that Social Security couldn't see an issue coming with Licate's account. “The threshold for a flag to kind of check this out, to make sure this is accurate doesn't have to be ,000,” said David. “I would say a thousand dollars maybe." The Social Security Administration that it could not comment on Licate’s case until the appeals process is complete. "If a bank did this, they would be regulated out of business,” David Licate said. “They wouldn't be able to survive." The Licates also claim that Social Security promised it would send an emergency payment by Feb. 4, but they have not received anything as of Feb. 22. At least David Licate is there and able to help his mother."I feel sorry for seniors that do not have someone who can do that,” he said. “They're left out on their own." 1945

It's a controversial topic at schools around the country — concussions. Researchers and experts are still debating how to avoid them. All 50 states have some sort of guidance on how to keep student athletes safe. But a 232

Paycheck Protection Program funds helped keep more than 5 million American small businesses alive through the first half of 2020, but one woman has a warning for anyone applying for aid.Kelleye Thomas, who runs a home daycare, had to shut down for three months due to the pandemic.Her income dropped to zero during the shutdown, but like so many small business and independent workers, she was saved by the government's Paycheck Protection Program."I applied for that through the Small Business Administration, and I was granted a forgivable loan for ,500," she said.That lifeline turned into a financial nightmare because of where she deposited the funds. Before she could even begin using the money, she said, Fifth Third Bank locked her account pending a fraud investigation."The check was deposited, and a few days later I noticed there was a freeze on my account," she said.Panicked, she called the bank."They let me know I needed a business account to receive the funds from this loan," Thomas said.Risk of using your personal accountA lot of independent workers and small business owners use just one account for everything because it is so much easier.But doing that can be very risky if you are getting any sort of federal aid.Business Insider says PPP loans must be put into a separate account to prevent:Payroll errors.Accidental misuse.Questions from your bank.That's what happened here, where the bank's investigation locked her out from all her money.As a result, she was unable to pay some of her most essential bills."I couldn't pay my mortgage or buy food or pay my credit card bills," she said.So we contacted her bank, Fifth Third Bank, where spokeswoman Laura Trujillo told us: "We take potential fraud seriously and are diligent stewards of our customers' money."Because the bank found no fraud in this case, it unlocked Thomas' accounts after our inquiry.Now, she's warning others about mixing pandemic aid with personal funds."I have always had my daycare money deposited into my personal account, and no one ever said anything about it or said I needed to open up a business account," she said.Business Insider says there is one more reason to keep PPP money separate: Eventually having the loan forgiven. Getting forgiveness can be much tougher if all your funds are commingled.So keep tight records, so you don't waste your money._________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2682

Delta Airlines announced it would continue blocking middle seats on all flights through the end of March 2021, making it the only airline to continue blocking middle seats.According to Delta, they want to provide added confidence and reassurance for customers who are booking future travel plans.“Several independent studies have validated the effectiveness of the Delta CareStandard’s multi-layered protection, like advanced ventilation and an extensive cleaning regimen, which together significantly reduce the risk of flight-related transmission,” said Bill Lentsch, Chief Customer Experience Officer. “However, we recognize some customers are still learning to live with this virus and desire extra space for their peace of mind. We are listening and will always take the appropriate steps to ensure our customers have complete confidence in their travel with us.”Delta has also announced a new map that will allow customers to search and book their destinations all in one place.The airline is also waiving change fees for U.S. domestic tickets, waiving change fees for all domestic and international tickets purchased through Dec. 31, 2020, even if you're scheduled to fly next year, and extending the use of travel credits through December 2022 for flights originally scheduled to depart before March 31, 2021. This story originally reported on WXYZ.com. 1385

Pedro Rios says the idea that immigrants are coming to this country solely to be a burden to the United States is absolutely false. Rios is the Executive Director of American Friends Service Committee – a national organization that has worked on immigration and border issues for 42 years. He says he is against a new rule that disqualifies immigrants from a green card if they use certain government benefits, because he says it's causing people to drop out of benefit services they do qualify for. “In this case, prenatal care is not a targeted benefit. However, someone might decide to stop receiving that care simply because they fear that it would place them at the crosshairs of some sort of immigration enforcement operation,” Rios said. Dulce Garcia, an immigration attorney and DACA recipient, agrees with Rios. She says the rule has a two-fold impact: it denies more people the ability to qualify as a legal permanent resident, and now people are afraid of accessing other public benefits. She knows from personal experience when her family had to live inside a car and with very little food. “We’re going to see more people like my parents who were afraid of accessing public benefits and decided to risk our health essentially by remaining unsheltered and by struggling with food,” Garcia said. The Supplemental Nutrition Assistance Program (SNAP) is a food program that's among those included in the rule. If immigrants collect those benefits more than 12 months in three years, they can't get a green card - and become a permanent resident. “We all fall on hard times. My family fell on hard times, and I wish that we would have had people telling us ‘it’s OK, it’s OK to receive help’ so that we would be safe.” As the executive director of Border Angels, a nonprofit that advocates for the immigrant community, Garcia says she tries to empower immigrants with accurate information so they know what benefits they’re still eligible for. However, there are people in favor of the rule, like Agnes Gibboney, who was born in Hungary. Her family entered the U.S. in 1970. “When we immigrated to the U.S., my parents had to sign a document stating they would not apply for any public assistance. That my father could support my mother, my brother and myself,” Gibboney said. Gibboney says she doesn't like the idea of immigrants using taxpayer dollars for services. “The importance of being fully vetted is for the government to know who is coming into this country. To make sure you are of good moral standing, to make sure you’re going to be a good citizen, and make sure that you’re gonna be a plus to this country,” Gibboney said. When it announced the new rule, the Department of Homeland Security called self-sufficiency a core American value. On the other hand, Rios says public benefits might be necessary in order for some immigrants to eventually become self-sufficient.“What we’ve seen in the past is when their needs aren’t being met, then it’s harder for them to support themselves in other ways,” Rios said.  3052