Protecting Yourself Online: Recognizing and Avoiding Online Scams

Online scams are a growing concern, especially for older adults and their families. This is an issue that has been widely reported in the news, as older adults continue to be tricked by fake emails, phone calls and text messages.

In today’s digital world, scammers are finding new and sophisticated ways to deceive people every day. Those who are unaware of the risks may face serious consequences, including the loss of money, trust and confidence. In some cases, their life savings are at stake.

While people can fall victim to scams at any age, older adults are often targeted and may be less likely to report incidents. According to the Federal Trade Commission, total reported fraud losses for those over 60 amounted to $2.4 billion. New tools and technology, like AI voice impersonation, have made it harder to tell what is real and what is not.

While enforcement efforts are growing, many cases are difficult to prove or prosecute due to the international nature of these schemes.

Protecting yourself through awareness and prevention remains the most effective way to combat this growing issue. When older adults, families, and caregivers work together, it becomes easier to spot warning signs.

Follow These Tips to Stay Safe

• Never share personal information like Social Security numbers, bank details and passwords.
• Don’t click on links or download attachments from unknown senders.
• Hang up immediately if a caller pressures you or asks for money.

Text Message Scams

• Ignore suspicious texts; don’t reply.
• Don’t click links — they may lead to fake websites.
• Example: 'Your bank account is locked. Click here to verify: [fake link]'

Email Scams

• Check the sender’s email carefully to make sure it is a real address.
• Look for red flags: poor grammar, urgent language.
• Example: 'URGENT: Account Suspended. Click here to verify.'

Phone Call Scams

• Don’t trust caller ID — numbers and contact names can be faked.
• Never pay with gift cards or wire transfers.
• Example: 'This is the IRS. Pay now or you’ll be arrested.'

Extra Protection

• Enable call blocking on your phone.
• Use antivirus software for email protection.
• Hang up and verify.
• Sign up for the Do Not Call Registry: donotcall.gov

Sources:

• Addressing Scams Affecting Older Adults | consumer.ftc.gov
• BBC Scam Alert: Top Tricks Used to Scam Older Adults | bbb.org
• SCAM Alert | allaboutseniors.org
• Phishing Scams Explained | ncoa.org
• A Guide to Online Safety | allseniors.org
• 6 Smart Tips to Help Seniors Avoid Scams | pcmag.com
• Federal Trade Commission | justice.gov/opa/pr/department-justice-releases-2025-annual-report-congress-efforts-combat-elder-fraud-and-abuse