Scams targeting seniors are on the rise, with older adults losing billions annually to fraud. In 2024 alone, Americans aged 60+ reported nearly $4.9 billion in scam-related losses, with an average loss of $83,000—more than four times the average across all age groups. In Canada, fraud is the number one crime against older adults. These scams range from fake tech support calls to elaborate financial schemes, and they often prey on trust, isolation, and unfamiliarity with digital tools.

But seniors can fight back—and stay safe—with a few proactive strategies.

1. Be On Guard

Protecting yourself starts in your head. While many of us grew up trusting the world around us, things have changed, and we must treat people with a degree of suspicion. Assume anyone contacting you wants something from you. It’s your responsibility to ensure they are who they say they are.

2. Know the Common Scams

Awareness is the first line of defense. Some of the most frequent scams include:

• Grandparent scams: A caller pretends to be a grandchild in distress, asking for money urgently.
• Bank investigator scams: Fraudsters pose as bank staff investigating fake fraud, asking for debit cards and PINs.
• Tech support scams: Pop-ups or calls claim your computer is infected and demand payment for fake repairs.
• Phishing emails and texts: Messages impersonate banks, government agencies, or delivery services to steal personal information.

One tactic is to create a code word with close friends or family members that only they would know should someone contacting you claiming to be them.

3. Pause and Verify

Scammers rely on urgency. If someone pressures you to act fast—whether it’s sending money, clicking a link, or sharing personal details—pause. Verify the request by:

• Calling a trusted family member
• Contacting the organization directly using official contact info
• Ignoring unsolicited messages and pop-ups

No legitimate organization will demand immediate payment or sensitive information over the phone or email.

4. Use Simple Tech Tools

Technology can help protect seniors from scams:

• Robocall blockers like RoboKiller or Nomorobo filter out scam calls.
• Email filters and antivirus software reduce phishing risks.
• Password managers help keep accounts secure.

Even basic tools like caller ID and two-factor authentication can make a big difference.

5. Stay Connected

Isolation increases vulnerability. Seniors who regularly talk with family, friends, or community support workers are less likely to fall for scams. Encourage open conversations about suspicious messages or financial decisions. Organizations like Carefor offer social work and home support services that can help seniors navigate confusing situations with confidence.

6. Report and Recover

If you suspect a scam, report it to:

• The Canadian Anti-Fraud Centre (CAFC)
• Local police
• Your bank or financial institution

Reporting helps authorities track patterns and protect others. In many cases, quick action can also help recover lost funds.

Scammers are clever, but seniors are resilient. With knowledge, support, and a few smart tools, older adults can stay one step ahead—and protect their hard-earned savings and peace of mind.