Americans over 60 lost $3.4 billion to online fraud in 2023, according to the FBI. Seniors are targeted more than any other age group because scammers see them as trusting, financially stable, and less familiar with digital threats. But you can help protect your loved ones with some simple conversations and tools.
Why Seniors Are Targeted
Seniors are attractive targets for several reasons. Many grew up in an era when a phone call from a stranger could be trusted. They may be less familiar with how technology works. They often have savings, home equity, and good credit. And they may be isolated, making them more vulnerable to emotional manipulation.
The Most Common Scams Targeting Seniors
Government Impersonation Scams
Calls claiming to be from the IRS, Social Security Administration, or Medicare. These grew 25% in 2024. The real IRS will never call demanding immediate payment.
Tech Support Scams
Pop-up warnings claiming the computer has a virus and directing the person to call a fake support number. The scammer then requests remote access and charges hundreds or thousands of dollars for "repairs."
Romance Scams
Online companions who build emotional relationships over weeks or months, then ask for money for emergencies, travel, or medical bills. Seniors lose an average of $9,000 to romance scams.
Grandparent Scams
Calls from someone pretending to be a grandchild in trouble. With AI voice cloning, these calls can sound exactly like the real person.
Medicare and Health Insurance Scams
Fake calls offering free medical equipment, Medicare cards, or health screenings in exchange for personal and insurance information.
7 Ways to Protect Your Senior Family Members
1. Have the Conversation
Talk openly about scams without being condescending. Share real examples and let them know that falling for a scam is not something to be embarrassed about.
2. Set Up Call Blocking
Enable call blocking features on their phone and register their number on the National Do Not Call Registry at DoNotCall.gov.
3. Create a Family Code Word
Choose a secret word that only your family knows. If anyone calls claiming to be a family member in distress, ask for the code word first.
4. Review Their Accounts Regularly
With their permission, help monitor bank and credit card statements for unusual activity.
5. Install Security Tools
Set up our free Scam Checker as a bookmark on their browser. Show them how to copy and paste suspicious messages into the tool for instant analysis.
6. Enable Two-Factor Authentication
Help set up two-factor authentication on their email, banking, and social media accounts. Use the simplest method available, like text message codes.
7. Be Their Trusted Resource
Make sure they know they can call you before responding to any suspicious request for money or information. Being available and non-judgmental is the best protection you can offer.
What to Do If a Senior Has Been Scammed
Contact their bank immediately to freeze accounts and dispute charges. File a report with the FTC and local law enforcement. Report to the FBI Internet Crime Complaint Center at ic3.gov. Call the AARP Fraud Watch Network helpline at 877-908-3360.