Technology has opened many doors for seniors, making it easier to stay connected with loved ones, manage finances, access healthcare and enjoy entertainment. However, as more daily activities move online, it is important to understand how to stay safe and avoid scams and fraud. With awareness and a few smart habits, you can enjoy the benefits of technology while protecting your personal information and finances.
Common Online Scams Against Older Adults
One of the most frequent online threats facing seniors is scams. Criminals often trick people into sharing personal information or sending money by pretending to be trusted organizations, such as banks or government agencies, or even family members. These scams may be perpetrated through emails, text messages, phone calls or social media.
A few red flags to be on the lookout for are:
Pressure to rush decisions:
A common warning sign is urgency. For example, messages that claim you must act immediately to avoid penalties, account closures or legal trouble. Remember, legitimate organizations do not pressure you to disclose sensitive information or send payments through unexpected messages.
Phishing
Email scams, often known as phishing, are especially widespread. These emails may look official, using familiar logos and language, but they often contain spelling errors or unusual email addresses. Never click on links or download attachments from unknown or suspicious emails. If you receive a message claiming to be from your bank or another trusted source, contact the organization directly using a phone number you know is legitimate, not the one provided in the message
Fraudulent websites
Another growing concern is online fraud involving fake websites or online shopping scams. Seniors should shop only on secure websites, which can be identified by a lock symbol in the browser's address bar and "https://" in the web address. Be cautious of deals that seem too good to be true - they usually are! Before making a purchase, take time to research the company, read reviews and confirm return policies.
Protecting Yourself from Tech Scams and Fraud
There are steps you can take to avoid or at least lower the odds of falling victim to a scam:
Use strong passwords
Strong passwords are one of the best defenses against online fraud. Avoid using easy-to-guess passwords such as birthdays, names or simple number sequences. Instead, create passwords that combine letters, numbers and symbols. It is also important to use a different password for each account. When available, enable two-factor authentication, which adds an extra layer of protection by requiring a second step, such as a code sent to your phone, to log in to your account.
Don't overshare on social media
Social media platforms can be a wonderful way to stay connected, but they also present risks. Scammers often use information acquired from social media to impersonate individuals or guess security questions, so be mindful of what you share publicly. Personal details such as your address, phone number, vacation plans or financial information should never be posted online.
Beware of telephone fraud
Seniors should also be cautious of phone scams, which often accompany online fraud. Scammers may claim you owe money to the IRS, Medicare or a utility company and demand immediate payment. Government agencies do not call to demand payment or threaten arrest. If you receive such a call, hang up and report it.
Trust your Gut
Finally, trust your instincts. If something feels suspicious or uncomfortable, pause and seek advice from a trusted family member, friend or professional. Staying informed is one of the most powerful ways to prevent fraud.