Common scams targeting seniors and how to have protective conversations
Seniors are targeted because scammers perceive them as trusting and financially stable. Have open conversations about common scams, establish a "family code word" for emergencies, and encourage them to verify before acting on urgent requests.
How it works: Caller claims to be grandchild in trouble (jail, accident, stranded abroad). Begs grandparent not to tell parents. Needs money immediately.
Protection: Establish family code word. Always verify by calling grandchild directly or their parents.
How it works: Caller claims to be from Medicare/SSA. Says benefits will be suspended unless you verify info or pay fee.
Reality: These agencies NEVER call to ask for personal info or payment. They send letters.
How it works: Pop-up or call claiming computer has virus. Scammer requests remote access and payment to "fix" it.
Reality: Microsoft/Apple never make unsolicited calls. Close pop-ups without clicking.
How it works: Scammer builds online relationship over weeks/months, then asks for money for emergency.
Reality: Never send money to someone you haven't met in person. Video chat before trusting.
How it works: "You've won!" but must pay taxes/fees upfront to claim prize.
Reality: Real lotteries deduct fees from winnings. You can't win contests you didn't enter.
How it works: Fake charity calls after disasters or holidays asking for donations.
Protection: Never donate over phone. Research charity first. Donate directly through official website.
How it works: Contractor shows up claiming to notice roof/driveway problem. Demands payment upfront, does shoddy work or disappears.
Protection: Never hire door-to-door contractors. Get multiple quotes. Check references.