As technology advances, so do the methods scammers use to prey on all of us, and often we become more vulnerable as we age. Scams targeting seniors are on the rise, often resulting in significant financial losses and emotional distress. In this blog post, we’ll discuss the common scams that target seniors and provide valuable tips on how you can protect yourself from falling victim to these schemes.

Some common scams targeting an aging population:

  • The Grandparent Scam: In this scam, fraudsters pretend to be a grandchild in distress, usually claiming they’ve been arrested or are in urgent need of financial assistance. Seniors are tricked into sending money without verifying the caller’s identity.
  • Phishing Emails and Calls: Seniors often receive phishing emails and calls that impersonate trusted entities, such as banks, government agencies, or well-known companies. These messages request personal information or payment for fake debts.
  • Medicare and Health Insurance Scams: Scammers may pose as Medicare representatives or insurers, offering fake healthcare plans or demanding personal information. Seniors should be cautious when sharing their healthcare details.
  • Sweepstakes and Lottery Scams: Fraudsters inform seniors that they’ve won a large sum of money in a sweepstakes or lottery, but to claim their prize, they must pay fees or taxes upfront.
  • Tech Support Scams: Scammers often call seniors, claiming to be from reputable tech companies and convincing them that their computer has a virus. They then charge exorbitant fees for unnecessary repairs or software.

Steps you can take to protect yourself:

  • Educate and Communicate: Talk to your support networks and loved ones about this issue. Share information about common scams and provide examples to raise awareness.  Get information about the most common scams from trusted sources such as your Council on Aging and AARP.
  • Verify Identities: Verify the identity of anyone requesting personal or financial information. Never share sensitive data without confirming the legitimacy of the caller or email sender.
  • Use Strong Passwords: Create strong, unique passwords for your online accounts, and update these passwords regularly. Consider using a password manager to simplify this process.
  • Install Security Software: Make sure you have reliable antivirus and anti-malware software installed on their computers and devices. Regularly update this software to protect against new threats.
  • Be Skeptical of Unsolicited Communications: Be cautious of unsolicited emails, calls, or text messages. You should never click on suspicious links or provide personal information to unknown contacts.
  • Monitor Financial Statements: Regularly review your bank and credit card statements for any unauthorized transactions. If you spot anything suspicious, you should report it immediately.
  • Seek Help from Trusted Sources: If you are uncertain about a situation or suspect you have encountered a scam, consult with a trusted family member or friend before taking any action. The local policy can be helpful as well.  Don’t be afraid to talk about your concerns, even though you may feel embarrassed.  Remember, the scammers are hoping your embarrassment will keep you from reporting them.
  • Report Scams: Make sure you know how and where to report scams. You can contact the Federal Trade Commission (FTC) at or your local law enforcement agency.

Protecting ourselves from scams and frauds requires awareness, education, and proactive measures. By staying informed about common scams and implementing these protective strategies, you can reduce your vulnerability and enjoy a safer and more secure online and offline experience. Additionally, as family members and caregivers, it’s our responsibility to support and guide our senior loved ones in safeguarding their financial and personal information. Together, we can help seniors avoid scams and enjoy their retirement years with peace of mind.

Founded by a nurse attorney and with offices in Acton, Andover, and Sudbury, Massachusetts, Generations Law Group helps families navigate the complex areas of estate planning, elder law, and probate to inform and protect loved ones of every generation.



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