Tips for Protecting a Senior from Phone Scams

Dear Donna:

An older lady at my church was recently the victim of a phone scam. According to her daughter, she lost a considerable amount of money. While I consider my parents to be pretty savvy, even with technology, this news left me feeling concerned.

I’ve followed your blog for a year or so now and know you always have helpful suggestions for seniors and their families. Do you have any tips I can share with my parents? I’d like to do everything possible to keep this from happening to them.

Sincerely,

Judy in Muskegon, MI

Safety Suggestions to Help a Senior Avoid Being Scammed

Dear Judy,

Unfortunately, scams targeting seniors are much too common. According to the FBI, fraud complaints involving older victims rose 14% in 2023! Phone scams against seniors are on the rise, with fraudsters using increasingly sophisticated tactics to steal money or personal information. With greater awareness and a few preventative strategies, however, families can significantly reduce the risk. Here are seven essential tips for protecting the senior in your life from phone scams.

1. Educate loved ones about common scams.

Start by talking openly about the types of scams that target seniors. Common ones include fake IRS calls, lottery or sweepstakes scams, tech support fraud, and impersonation of grandchildren or loved ones in distress. Scammers often create a sense of urgency, demanding immediate action like wiring money or giving personal details. Remind loved ones that government agencies, banks, and legitimate companies never request sensitive information over the phone.

2. Encourage screening of calls.

Teach your loved one to let unknown numbers go to voicemail. Most legitimate callers will leave a message. Encourage them to only return calls to trusted contacts or those they recognize. Caller ID can help, but it’s not foolproof. Scammers can “spoof” numbers to look like they’re calling from a familiar organization. If a message sounds suspicious, it’s best to ignore it and consult a trusted family member.

3. Use call blocking technology.

Install a call-blocking service or device that automatically filters out potential scam calls. Many phone providers offer built-in options, and products like CPR Call Blocker or Nomorobo can help reduce robocalls and unwanted numbers. Cell phones also have settings or apps available that can silence unknown or suspicious calls.

4. Set up a trusted contact system.

Create a list of trusted contacts with your loved one—family, friends, doctors, or financial advisors—so they know who to turn to if they’re unsure about a call. Let them know it’s always okay to hang up and check with someone they trust before taking action. This extra step can prevent hasty decisions made under pressure.

5. Encourage the “hang up rule.”

Stress that it’s okay—and often necessary—to hang up if something feels wrong. Scammers are trained to keep people on the phone. The longer the conversation, the more likely the victim may be manipulated. A good rule of thumb: if someone is pressuring you for money or personal details, just hang up.

6. Monitor financial statements.

Encourage your parents to keep an eye on their financial accounts. Reviewing bank and credit card statements regularly can alert them to unauthorized transactions early. If you have any concerns about their ability to do this, ask if you can be added to their accounts or have your own login. Should you notice anything suspicious, help them contact their financial institution immediately to investigate.

7. Stay connected and involved.

Isolation increases the risk of scams. Seniors who feel lonely may be more likely to engage with callers. Regular check-ins from family members help reduce this vulnerability. Creating open communication about finances and online safety also fosters trust and reduces the stigma if a mistake is made.

“How Seniors Can Stay Safe Shopping Online” is another article on the Heritage blog that you might find helpful in protecting your parents’ financial health. It has good tips for making online purchasing less risky.

I hope this helps, Judy! Thanks for sending us this question.

Kind regards,

Donna