As families begin the process of transitioning a loved one into assisted living or another senior care setting, their focus is often on medical needs, emotions, and logistics. But there’s another concern that deserves just as much attention: protecting seniors from scams.

Older adults are frequently targeted by scammers—and the transition into a new living environment can make them even more vulnerable. Stress, confusion, and changes in routine can create the perfect storm for criminals looking to exploit seniors and their families.

Here’s what you need to know to keep your loved one safe from financial scams, identity theft, and emotional manipulation during this time of change.

Why Scammers Target Seniors

Seniors are often seen as easy targets for several reasons. Many were raised in a more trusting era, and may not be as familiar with modern technology or the clever tactics scammers use today. Some seniors also live alone, which can increase feelings of isolation—making them more likely to answer phone calls or engage in conversations with strangers.

In addition, age-related cognitive changes—even those unrelated to dementia—can affect judgment and increase susceptibility to manipulation.

Common Scams That Target Seniors

There are countless schemes designed to steal from seniors, but a few show up more often during major life transitions, including moving into a new home:

• Fake Utility or Moving Services: Scammers may call pretending to be with the electric company or a moving service, demanding payment upfront for services that were never requested.

• Medicare and Insurance Scams: Calls or emails claiming to verify coverage or offer new plans are often used to trick seniors into giving away Social Security or banking information.

• “You’ve Won!” Scams: These include calls or letters claiming the senior has won a prize or sweepstakes—but needs to pay taxes or fees to receive it.

• Phony Family Emergencies: Scammers pretend to be grandchildren or relatives in urgent trouble, asking for money immediately.

• Fake Caregiver or Facility Staff: In rare but serious cases, scammers pose as facility employees or caregivers to get close to seniors and exploit them.

What to Watch for During a Transition

Families are often distracted during the moving process, and scammers know it. Here are warning signs to keep an eye on:

• Sudden unexplained withdrawals or credit card activity

• Increased phone calls from unknown numbers

• Confusion about money or misplaced bills

• A reluctance to talk about who they’ve been speaking to

• New “friends” with unclear backgrounds or motives

During this time, it’s important to stay engaged and involved. Even seniors who are mentally sharp can be caught off guard during the stress of a move.

How to Protect Your Loved One

1. Freeze Credit: Consider freezing your loved one’s credit with the major credit bureaus to prevent fraudulent accounts from being opened.

2. Set Up Account Alerts: Many banks and credit cards offer alerts for large purchases or changes in account activity.

3. Limit Direct Mail: Reduce junk mail by registering with the Direct Marketing Association’s opt-out list and avoid giving out information online.

4. Use Call Screening and Blocking: Services like Nomorobo and built-in spam blockers on mobile phones can help stop scam calls before they reach your loved one.

5. Create a Trusted Circle: Make sure your loved one knows who to call before making any major financial decisions. Keep that list simple and easy to access.

6. Talk Openly: Have nonjudgmental conversations about scams. If seniors know you won’t be angry or embarrassed if they bring something up, they’re more likely to tell you when something feels off.

7. Visit Regularly: Once they move, maintain regular contact—either in person or by phone—to keep tabs on their well-being and notice any red flags.

A Word About Facilities

Reputable assisted living communities take scams seriously and train staff to recognize the signs. However, it’s still important for families to ask about what measures are in place to prevent outside influence and ensure resident safety—especially with phone and internet access.

Final Thoughts

The transition to senior living is a major step that involves careful planning. While emotional and health-related needs are often the focus, don’t forget that financial and personal safety are just as vital.

By taking simple steps early on, you can help your loved one feel secure and confident as they begin this new chapter.

Written by Jennifer Carter, author of The Senior Living Advisor Business Blueprint and founder of Star Light Senior Advisors. For guidance on senior living transitions, scam prevention, or launching your own senior placement business, visit www.starlightsenioradvisors.com or email me at info@starlightsenioradvisors.com.