As technology increasingly intertwines with daily life, caregivers and adult children must protect seniors from potential phone and SMS scams. Unfortunately, the number of fraudulent schemes targeting seniors continues to rise. People 65 and older are more likely to receive these scam communications due to perceptions that they are less tech-savvy. As a responsible caregiver or adult child, you must equip yourself with the knowledge and tools to shield your senior loved ones from scams. This article reviews the common types of phone and SMS scams, how to limit exposure to these scams, techniques to differentiate between genuine and fraudulent messages, and steps to take if one falls victim to these scams.
Common Types of Phone and SMS Scams
Scammers employ a variety of tactics, each one more deceptive than the last. Most common among these include the IRS scams where callers impersonate IRS officials, demanding immediate payment of non-existent tax debts. Lottery or sweepstakes scams involve callers claiming the senior won a considerable sum of money and asking for an advance fee to process the reward. Tech support scams usually involve fraudsters posing as technical support representatives to gain remote access to the victim's computer. Another one to watch out for is the grandparent scam, where scammers pretend they are a distressed grandchild begging for financial help.
How to Limit Exposure to Scams
One effective way to guard against these scams is to utilize call-blocking apps. Some apps, like Nomorobo and Hiya, can effectively filter and block suspected scam calls. Consider registering senior numbers on the National Do Not Call Registry to reduce the number of unsolicited calls. Furthermore, encourage seniors not to share their personal information readily especially over the phone or through text messages. Regular updates and security checks on mobile devices can also ensure optimal protection.
Differentiating Between Scams and Other Messages
Distinguishing between genuine and fraudulent messages can be challenging. However, some key warning signs can guide you. For instance, legitimate government agencies, including the IRS, do not communicate fines or penalties through phone calls or text messages. Red flags include requests for immediate action, demands for payment through unusual methods like gift cards, and bold threats. Additionally, independently verify the identity of the caller or sender before providing or confirming any information. It's always best to consult with trusted family members or friends when in doubt.
What to Do If a Senior Falls Victim to a Scam
If a senior falls prey to a scam, it's vital to act swiftly. Report the incident to local law enforcement agencies and the Federal Trade Commission. If they share financial information, promptly contact banks and credit card companies to alert them. Changing all passwords and security questions for online accounts involved in the scam is also essential.
We Are Here to Help
With the growing number of scams targeted at seniors, vigilance and proactivity represent our best defense. By understanding the tactics scammers use and implementing measures to limit exposure, we can protect our loved ones from falling victim to these ruses. Involve seniors in this process as much as possible so they can also become astute in detecting scams.
If you live in St. Louis County, Webster Groves, Richmond Heights, Kirkwood, or Oakville, and you're concerned about the safety and well-being of your senior loved ones, contact us today at Senior Helpers Webster Groves. We would love to discuss our services for seniors and their caregivers, such as Personal Care and Wellness Watch.