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$14 one-time · 25 min read · Lifetime access

Senior Scam Defense Kit

$3 billion+ stolen from seniors annually. The 12 most common scams targeting retirees, the 3 rules that block 95% of them, and what to do if you've been hit. Including the family conversation script.

Best for: Every retiree. Anyone caring for an aging parent. Especially anyone who's been targeted before — repeat-target rates are high.

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Who this is for

  • All seniors 60+
  • Adult children helping elderly parents
  • Anyone who's been scammed before
  • Recent widows/widowers (high-risk target)
  • People with social media presence (scams scrape there)
  • Caregivers in nursing homes / assisted living

What's inside

  • 12 most common senior scams — phone, email, text, in-person, mail
  • 3 universal rules that block 95% of scams
  • Medicare-specific scams (free brace, new card, refund, MBI fraud)
  • Romance + grandparent scams + the urgency tactic
  • Tech support + impersonation scams (IRS, SSA, Medicare, sheriff)
  • Investment + crypto scams targeting retirees
  • What to do if scammed — immediate steps, recovery contacts, legal recourse
  • Family conversation script — how to talk to elderly parent without offending
  • Cheat sheet: 3 rules + 5 reporting numbers + scam-spot signs

Preview — Why seniors are the #1 target

Adults 60+ lose more than $3 billion per year to fraud, per FTC data — and that's just reported losses. Actual losses are estimated 4-5x higher because most scams aren't reported (shame, confusion, or simply not realizing it was a scam).

Why seniors are targeted: they tend to have savings (decades of compounded retirement balances), they often live alone, they grew up trusting institutions and authority figures, they're more likely to answer landline phones, and modern scam tactics exploit cognitive aging in subtle ways.

The good news: most scams follow predictable patterns. Once you know the patterns, scams become easy to spot. Three universal rules block roughly 95% of attacks.

6 more sections in the full version

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Full table of contents

  1. Why seniors are the #1 target
  2. The 3 universal rules
  3. 12 common senior scams
  4. Medicare scams in detail
  5. What to do if you've been scammed
  6. The family conversation
  7. MBI compromise + identity recovery
Key takeaways
  • $3 billion+/year stolen from seniors. Real number is 4-5x higher (underreporting).
  • 3 universal rules: don't respond to unsolicited contact, don't give info to inbound contacts, when in doubt hang up + call back.
  • Medicare scams target your MBI for fraudulent billing.
  • Tech support scams take remote control of computers.
  • Romance + grandparent scams use emotional pressure.
  • Family conversation framing matters — avoid patronizing.
  • If scammed: bank, credit bureaus, FTC/SMP/police in that order.
Action steps
  1. Memorize the 3 universal rules.
  2. Set up bank account alerts for transactions over $X.
  3. Place fraud alert (free) or freeze credit (also free) with 3 bureaus.
  4. Sign up for MyMedicare.gov to monitor claims.
  5. If concerned about aging parent: have the conversation. Suggest safeguards.
  6. Save SMP, Medicare, and FTC reporting numbers in your phone.
Cheat sheet — Senior scam defense quick reference
  • · Rule 1: Don't respond to unsolicited contact
  • · Rule 2: Don't give info to inbound contacts
  • · Rule 3: When in doubt, hang up + call institution directly
  • · Medicare fraud: 1-800-MEDICARE (1-800-633-4227)
  • · Senior Medicare Patrol: 1-877-808-2468
  • · FTC: 1-877-382-4357 / reportfraud.ftc.gov
  • · FBI IC3: ic3.gov
  • · Equifax / Experian / TransUnion fraud alert (free, 1 year)
  • · Credit freeze (free, ongoing)
  • · Adult Protective Services: state-by-state hotline

FAQ

How do I tell my elderly mom she's being scammed without offending her?+

Don't tell her. Show her articles. Set up safeguards 'for both of you.' Use neutral, collaborative framing. The fastest way to make her defensive (and continue with the scammer) is to make her feel stupid.

If I sent money to a scammer via gift cards, can I recover it?+

Almost certainly no. Gift cards are designed to be untraceable once redeemed. Wire transfers are similarly hard to recover. The recoverable money is from credit cards (60-day chargeback window) and ACH bank transfers if reported quickly.

Should I just unplug my landline?+

It's a real option. Many landline scams stop when seniors switch to mobile-only with caller-ID screening. If your landline is largely scams + medical/family check-ins, you may save more peace of mind than you lose.

Pairs well with

Beneficiary Audit Workbook ($14)

Senior Scam Defense Kit for $14.

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