Why are seniors targeted by scammers? What You Need to Know
Have you ever wondered why it seems like older adults are often the target of scams?
If you’re 65 or older, it’s important to know you are not alone. Scammers often go after seniors on purpose. Not because you’ve done anything wrong—but because they believe you might be an easier target.
That’s not fair. But by learning why they target older adults, you can be one step ahead. You can protect yourself and help protect others, too.
Why do scammers focus on seniors?
There are a few reasons why scammers often pick older adults. These include things like savings, trust, and even good manners. Let’s take a closer look.
Seniors Often Have More Savings
Many scammers believe older adults have money saved up from working, pensions, or retirement plans. Even if that’s not true, scammers think it is. They believe you’re more likely to have cash or valuable items.
What You Can Do: Be careful with whom you trust with financial information. Even if someone sounds helpful or official, it’s okay to say no and double-check.
Seniors Tend to Be More Trusting
If you grew up in a time when most people were honest and neighbors looked out for each other, you might be more likely to trust others, especially someone who seems polite or professional.
Scammers take advantage of that trust. They might pretend to be from your bank, Medicare, or even a family member.
What You Can Do: If something doesn’t feel right, it’s okay to hang up the phone or delete the email. You don’t have to be polite to a scammer.
Technology Can Be Confusing
Technology has changed fast. Many scammers use emails, phone calls, or text messages to trick people. These can look very real, and even younger people sometimes fall for them.
But scammers may think seniors are less familiar with smartphones, websites, or security tools. That’s why they target you with fake messages or pop-ups.
What You Can Do: If you don’t recognize a message, link, or number—don’t click or reply. Ask someone you trust if you’re unsure.
Seniors Often Live Alone
Living alone doesn’t make you weak—but it can make you a target. Scammers may think you won’t have someone nearby to help you check if something is a scam.
They hope you’ll act fast before talking to a friend or family member.
What You Can Do: Always take your time. Call a loved one, neighbor, or even your bank before giving out personal information.
Some Seniors Don’t Report Scams
Sadly, many seniors feel embarrassed if they get tricked. Some don’t report the scam or tell anyone. That makes it easier for scammers to keep doing it.
But remember: scammers are professionals. They work hard to trick people of all ages, not just older adults.
What You Can Do: If something happens, talk about it. Telling someone can help you—and help others avoid the same trap.
Health and Memory Challenges
Sometimes, health issues like memory loss or hearing trouble can make it harder to spot scams. Scammers know this and may try to confuse you on purpose.
What You Can Do: If you have health challenges, ask a trusted loved one to help review calls, bills, or emails. It’s always okay to get a second opinion.
You Have the Power to Protect Yourself
You’ve lived a long life, full of lessons and wisdom. That’s your strength. The best way to protect yourself from scams is to stay informed, ask questions, and never feel rushed.
If something doesn’t seem right, it probably isn’t. And it’s always okay to say no.
Sources:
National Council on Aging: “Top 5 Financial Scams Targeting Seniors.” https://www.ncoa.org/article/top-5-financial-scams-targeting-older-adults/
AARP Fraud Watch Network: “Scams & Fraud”
https://www.aarp.org/money/scams-fraud/Federal Trade Commission (FTC): “How to Avoid a Scam” https://consumer.ftc.gov/articles/how-avoid-scam