Safeguarding Against Scams

by Steven D. Nickens

special to the LW Weekly

As society becomes more digitally interconnected, the elderly population is increasingly vulnerable to scams and fraud. People can safeguard themselves from falling victim by understanding common scams.

• Phishing Emails: Scammers often send emails disguised as legitimate messages from banks, government agencies or trusted organizations. These emails may contain links that lead to fake websites designed to steal login credentials or install malware on the victim’s computer.

• Lottery or Prize Scams: Seniors may receive notifications claiming they’ve won a lottery or prize, often accompanied by a request for payment or personal information to claim the supposed winnings.

• Impersonation of Family Members: Scammers might impersonate a family member or friend in distress, claiming they need immediate financial assistance due to an emergency. This emotional manipulation preys on the victim’s concern for loved ones, leading them to send money without verification.

• Investment Schemes: Fraudulent investment opportunities promise high returns with low risk. Scammers may use pressure tactics, false testimonials, or even pose as financial advisors to convince seniors to invest their savings. Once the money is transferred, the scammer disappears.

• Tech Support Scams: Victims receive a call from someone claiming to be from a tech support company, stating that their computer has a virus. The scammer convinces the senior to grant remote access to their computer or purchase unnecessary software/services, allowing the scammer to steal sensitive information.

• Romance Scams: Scammers build romantic relationships with seniors through online platforms. After gaining trust, they fabricate a crisis or financial need, requesting money from their unsuspecting victims. These scams exploit emotions and the desire for companionship.

• Grandparent Scams: In this scam, a fraudster calls posing as a grandchild or a law enforcement official, claiming the grandchild is in legal trouble and needs immediate funds. The grandparent, often caught off guard, may wire money without verifying the situation.

• Medicare and Health Insurance Fraud: Scammers may pose as representatives of Medicare or health insurance companies, seeking personal information or offering fake services. Seniors should be cautious about sharing Medicare details or making health-related payments without verifying the legitimacy.

Tips to Safeguard Yourself

• Be Skeptical of Unsolicited

Communication: Be cautious with unsolicited phone calls, emails or messages. Do not share personal information.

•Secure Personal Information: Keep personal information, such as Social Security numbers and financial details, confidential. Use strong, unique passwords for online accounts.

• Monitor Financial Statements: Regularly monitor bank statements, credit reports and other financial documents for suspicious activity. Report any unauthorized transactions to the relevant financial institutions.

• Use Technology Safely:

Seniors should learn how to use technology safely, including recognizing and avoiding malicious websites and emails. Install and update reliable antivirus software to protect against online threats.

• Consult Trusted Family or Friends: A second opinion can provide valuable perspective and protection.

Through education and a commitment to vigilance, people can create a safer environment for everyone in an increasingly digital world.

Steven Nickens is the owner of Senior Helpers in Seal Beach and Los Alamitos; 714-816-5069, snickens@ seniorhelpers. com. Senior Helpers is a provider of in-home senior care.