Top Senior Scams and How to Avoid Them

Older adults are often targeted by fraudsters, but awareness and caution can help protect against financial losses.

Mar. 16, 2026 at 12:00am

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Seniors are increasingly targeted by a variety of scams, from imposter calls and tech support schemes to romance and investment frauds. In 2024 alone, scams cost older Americans an estimated $81.5 billion. This article outlines the most common scams aimed at seniors and provides tips on how to protect against them, including verifying the source of any suspicious calls or messages, avoiding high-pressure tactics, and reporting suspicious activity.

Why it matters

Financial fraud is a growing problem for older adults, who often suffer the greatest financial harm from scams. Educating seniors about the most prevalent schemes and how to spot the warning signs can help them avoid becoming victims and preserve their hard-earned savings.

The details

Scammers use a variety of tactics to target seniors, including impersonating government agencies, tech support companies, and even family members in distress. They may claim there's an urgent problem requiring immediate action or payment, or offer 'too good to be true' investment opportunities. Seniors are also vulnerable to romance scams, charity scams, and online fraud. Scammers often rely on fear, pressure, and emotional manipulation to convince their targets to hand over money or sensitive personal information.

  • In 2024, scams cost older adults an estimated $81.5 billion.

The players

AARP Fraud Watch Network

A resource that provides information and tools to help seniors protect themselves from fraud.

National Cybersecurity Center

An organization that offers guidance on cybersecurity and online safety for seniors and other vulnerable populations.

Federal Trade Commission

A government agency that investigates and takes action against fraudulent activities, and provides consumer education resources.

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The takeaway

Staying informed about the most common scams targeting seniors, being cautious of high-pressure tactics and suspicious calls or messages, and reporting any suspicious activity can help older adults protect themselves and their finances from the growing threat of fraud.