In today’s digital world, scams have become more sophisticated than ever—and unfortunately, they often target the most trusting among us: our aging loved ones.
From text messages pretending to be from UPS, to fake toll road violations, to phishing calendar invites that pop up right on your phone or computer, scammers are using technology to prey on confusion, fear, and urgency. For older adults who may not be as familiar with the fast pace of digital communication, these scams can be especially convincing—and costly.
The Most Common Scams We’re Seeing Right Now:
1. The UPS (or FedEx) Scam
Scammers send a text message or email pretending to be from a delivery service. It might say a package couldn’t be delivered, or that additional info is needed to complete delivery. A link is provided—and that’s where the damage begins. Clicking it could install malware or lead to a fake site asking for personal or financial information.
2. The Toll Road Violation Scam
This scam looks like a notice from your local toll authority or DMV, stating that you failed to pay a toll and now owe a fine. It might come via text or email, often with official-looking logos. These notices often contain a link to “pay now”—but it’s a trap.
3. The Calendar Invite Scam
A newer and sneakier scam, this one sends fake event invitations that appear in your calendar app. When opened, they often contain links that lead to phishing websites. Some might include alarming messages like “Payment Overdue” or “Urgent Tax Notice,” which are designed to make you click without thinking.
Why Seniors Are Especially at Risk
Seniors tend to be more trusting, less familiar with rapidly changing technology, and may not have the same cybersecurity tools in place that younger generations use. Many are also isolated, making them vulnerable to scammers posing as helpful strangers or even relatives.
Scammers often use tactics like:
- Creating a sense of urgency (“Act now or face penalties!”)
- Imitating authority (posing as government officials, tech support, or banks)
- Requesting secrecy (“Don’t tell anyone—this must stay private.”)
Even the most independent and sharp-minded seniors can fall victim to a well-crafted scam.
How You Can Help Protect Yourself or a Loved One
Awareness is the first step—but real protection comes from taking thoughtful, consistent action. Whether you’re concerned about yourself, a parent, or another aging loved one, here are practical ways to create a strong defense against scams:
Slow down and verify.
If a message, phone call, or email demands immediate action—pause. Scammers rely on panic. Take a moment to verify the source by contacting the organization directly using a known phone number or website.
Don’t click on unknown links or attachments.
Even if an email or text looks legitimate, avoid clicking links unless you’re certain it’s safe. Navigate directly to the company’s official site or contact them directly.
Set up financial safeguards.
Use tools like account alerts, daily withdrawal limits, and transaction monitoring from your bank or credit card provider. These can catch suspicious activity early.
Use shared oversight tools.
Apps like EverSafe or account-sharing features offered by banks allow trusted individuals to monitor finances without taking over full control.
Review legal protections.
Ensure powers of attorney, healthcare directives, and trust documents are up to date. These legal tools can allow trusted individuals to intervene quickly if needed.
Keep technology up to date.
Help loved ones install the latest updates on phones, computers, and tablets. Antivirus software and multi-factor authentication also add essential protection.
Normalize conversations about scams.
Encourage open communication. Make it easy for your loved one to ask, “Does this seem right?” without feeling embarrassed or ashamed.
Post visible reminders.
A checklist near the phone or computer—like “Never share personal info over the phone” or “Call [Your Name] before clicking any links”—can be a helpful stopgap.
Final Thoughts
Scammers are getting more creative, but so can we. By having proactive conversations, putting small safeguards in place, and staying alert, families can make it much harder for these scammers to succeed.
At Snyder Law, we believe protecting your legacy includes protecting your identity, assets, and peace of mind. If you’d like support setting up the right legal protections for you or a loved one, we’re here to help.
