As technology advances, so do the tactics of scammers targeting older adults. Many seniors, relying on trust or limited experience with the digital world, are vulnerable to fraudsters seeking to exploit their financial security. Whether through deceptive phone calls, emails, or fraudulent websites, these scams can have financial and emotional consequences.

The good news is that with a bit of awareness and some simple steps, seniors can protect themselves from falling prey to these deceptive schemes.

The Rise of Scams Targeting Seniors

Older adults are particularly vulnerable to scams for a variety of reasons. Many seniors are living on fixed incomes, making them attractive targets for fraudsters offering “easy money” or financial solutions. Additionally, some seniors may not be as familiar with digital technology or current online threats, which increases their susceptibility to online scams.

According to the National Council on Aging (NCOA), scams targeting older adults have become one of the most significant financial challenges for seniors today. Whether it’s fraudulent investment opportunities, deceptive tech support offers, or fake charity appeals, these scams exploit trust and confusion, often leading to severe financial and emotional repercussions.

Common Scams Targeting Older Adults

Impersonation Scams

Scammers impersonate someone the senior trusts—whether that’s a family member, a government official, or a well-known company. They might claim that the senior’s loved one is in trouble or that they owe taxes and must pay immediately.

• How to Spot This Scam: Be suspicious if the caller pressures for immediate action or asks for payment via wire transfer, gift cards, or other untraceable methods. Hang up and call a trusted family member or government agency directly to verify the information.
• Tip: The IRS will never ask for immediate payment via phone, email, or text.

Tech Support Scams

Scammers claim to represent major tech companies like Microsoft or Apple, saying that computers are compromised or need urgent repairs. They may try to convince seniors to grant remote access or pay for unnecessary services.

• How to Spot This Scam: Legitimate companies like Microsoft or Apple will never call unsolicited to offer technical support. Hang up and contact the company directly using a verified phone number or website.

Romance Scams

These scams prey on a senior’s desire for companionship. Fraudsters use online dating sites or social media to develop a romantic relationship and eventually ask for money to cover “emergencies” or “travel expenses.”

• How to Spot This Scam: Be cautious if someone you’ve recently met online quickly starts asking for money, even if they seem trustworthy or affectionate. Question all monetary requests, especially from someone you’ve never met in person.
• Tip: If a "love interest" asks for money, it's a red flag. Trust your instincts and talk to someone you trust.

Lottery and Sweepstakes Scams

Seniors receive unsolicited notifications claiming they’ve won a prize or lottery and are asked for personal information or an upfront payment to claim it.

• How to Spot This Scam: Legitimate lottery organizations do not ask for payment in advance. If you didn’t enter a contest, you haven’t won anything.
• Tip: Do not provide any personal information or payment details unless you're sure the offer is legitimate.

Charity Scams

Fraudsters pose as representatives of fake charities, especially during crises like natural disasters or global health emergencies.

• How to Spot This Scam: Always research the charity before donating. Verify their credentials through trusted platforms like Charity Navigator or the Better Business Bureau’s Wise Giving Alliance. Be wary of high-pressure tactics, especially over the phone or email.
• Tip: Never donate on impulse. Take time to research the organization before contributing.

How to Protect Yourself from Scams

• Be Cautious with Personal Information: Avoid sharing your Social Security number, bank details, or credit card information over the phone unless you’re sure the contact is legitimate.
• Verify Requests for Money: Always verify requests for money with a trusted friend, family member, or financial advisor before sending funds. Don’t rely on the contact’s word alone.
• Install and Use Security Software: Protect your computer and devices with up-to-date security software, including firewalls and antivirus protection.
• Educate Yourself About Scams: Stay informed about common fraud tactics to better equip yourself to spot them.

Resources for Help

• National Institute on Aging (NIA) provides detailed information on scams and how to protect yourself.
• National Council on Aging (NCOA) offers resources on avoiding scams.
• Report scams to the Federal Trade Commission (FTC).

Stay Vigilant and Protect Yourself

Scams targeting older adults are increasingly common, but with the right knowledge and precautions, seniors can protect themselves. Staying informed about common scams, being cautious with personal information, and utilizing available resources can help seniors avoid fraud.

If you or a loved one suspect that you've been targeted or fall victim to a scam, don't hesitate to seek help. The more you educate yourself and stay vigilant, the better prepared you’ll be to defend against these harmful tactics and continue living with confidence and security.