Protect Yourself From Scams That Target Seniors

Scams have become smarter and more sophisticated over the years and, scams that target seniors have consistently been on the rise.

In fact, senior financial abuse is so prevalent it has been called the “crime of the 21st century.” With the advance of AI (Artificial Intelligence), scams are becoming more advanced every day. Imagine getting a phone call that sounds just like your granddaughter — and she’s begging for help. (We’ll address how to prepare for situations like this later in the article.) Your best defense? Being aware of the risks every time you answer the phone or open an email — and learning how to protect yourself.

Common Scams That Target Seniors 

• IRS Scams: Scammers will call and impersonate an IRS officer, asking for personal information or ordering the recipient to pay a “fine.” 

• Charity Scams: — Most often occurring after natural disasters, a scammer will call and solicit money for fake charities. You can avoid this scam by checking to see if the charity is valid through the IRS Tax Organization Exemption Search prior to donating. If making a donation, donate through a website or by mail (not over the phone.)
• Contest Winner Scams: This email usually informs a target that they’ve won a large sum of money. But, to receive the money, personal information such as a social security number needs to be given. 

• PayPal Scams: A fake “PayPal” email is sent to the recipient saying their account has been hacked and they need to provide personal information to fix the issue. Another PayPal scam is to send a fake invoice. 
• Anti-Virus Scams: Recipients of an email are prompted to pay for false anti-virus software or, worse, install malware on the computer disguised as anti-virus software. Senior cyber safety tip: Don’t download software that you have not verified its legitimacy.

• Tech-Support Scams: A person will claim to need remote access to their computer in order to solve a technological problem, giving them the ability to install malware and steal personal information. Be aware that tech companies do not typically reach out and offer to help you fix your computer; never accept help in situations like this.

Avoiding Scams That Target Seniors

While knowing what common scams you should be looking out for is helpful, the best scammers target your emotions, not your brain. Experts offer the following suggestions to defend yourself against both old-school and AI scams.

• Trust your gut. If something about an email or phone call feels off, don’t click on a link, send money, or share any information about yourself. 
• Verify. If, for example, someone says they are from your insurance company, ask for their name and then look up the agency’s phone number and call them directly. 
• Beware of urgent requests. If you’re instructed to do something quickly or are pressured in any way, that’s a major red flag. If you’re being asked for money, that’s an even bigger red flag. 
• Know the most common business imposters. According to experts, the most common businesses impersonated by scammers in 2024 are Amazon, the U.S. Post Office, Wells Fargo, UPS, Chase, PayPal, FedEx, Facebook, and AT&T.
• Have a family code word to protect against AI. First, you need to be aware that AI can effectively impersonate just about anybody. Establishing a family code or safe word can effectively stop this threat. So if your granddaughter calls and says she’s in trouble, your first question should be to ask for the code word. 
• Know how U.S. government agencies operate. Government agencies do not initiate conversations by phone or email. 
• Ask a friend or family member. If something seems off, run the situation by someone whose judgment you respect.
• Consider not answering calls from unknown phone numbers. If the matter is important and legitimate, the caller can leave a voicemail. 
• Don’t open suspicious messages. Don’t reply, open links, download attachments, or call any listed phone number when you receive a suspicious email.

Most scammers are very good at what they do. The most important thing to remember is to remain both calm and skeptical. Also, know that AI is making even more sophisticated scams possible — and it’s essential to discuss the issue with your family, create a code word, and be prepared. 

Learn More About a Vibrant Life at Winchester Gardens

A meaningful, fulfilling lifestyle is achieved by taking part in various on-site activities and amenities. Plus, with a variety of care levels, your needs will be met now and in the future. 

Along with a variety of care levels that can meet your healthcare needs both now and in the future, there is a vibrant lifestyle that is waiting for you at Winchester Gardens. Senior living is meant to be a meaningful and fulfilling experience, one that is sure to be met at Winchester gardens. Contact us today to learn more and schedule your tour of our campus in Maplewood, New Jersey.