10/07/2026
An important thing to remember when having a discussion about scammers with an older family member is that all ages are vulnerable to getting scammed. Endeavor to keep the conversation casual and informative, and try not to have it come across as a lecture. Another important factor is to keep the conversation ongoing, and not just one long discussion. Scammers change tactics so it is important to keep family members updated.
Important points to cover are:
1. Scammers use fear and urgency.
2.Scammers usually try to impersonate someone, either an agency such as a bank or Social Security, or a family member, such as a grandchild.
3.Odd Payment Requests, such as wire transfers, gift cards, cryptocurrency, or having large sums of money withdrawn from an account.
Discuss ways to deal with scammers.
1. Have a family "safe word," that can be requested to confirm that a family emergency is real.
2. A refusal script, such as, "I'm not making any decisions at this time," or "I need to discuss things with my family."
3. If it is a supposed bank, fraud line, or company, contact the bank or company directly. Social Security and the IRS will never call you.
4. Keep the National Elder Fraud Hotline number handy: 833-FRAUD-11 (833-372-8311) on hand.