Technology
Top 12 elderly fraud scams of 2024
Senior citizens are often targets for scams, and as scams are getting more sophisticated, it’s getting easier to deceive even the most tech-savvy person. Elder fraud involves a variety of scams targeting seniors, from fake prizes to pleas for help from their “grandchildren,” resulting in an annual loss of $3 billion, according to the FBI. Seniors are often targeted due to their good credit, financial security and trusting nature. Here are the top elderly fraud scams of the year:
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A man using his phone to shop (Kurt “CyberGuy” Knutsson)
1) Tech support or home repair scam
In this scam, people pose as tech support or home repair professionals from reputable companies like Amazon, offering to fix non-existent issues. Seniors should be wary of unsolicited calls and independently verify the caller’s identity. In some cases, they may even show up at your front door, telling you that they noticed your roof needs repair or something along those lines.
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2) Relative phone scam
This scam is one of the worst ones. Fraudsters claim to be a grandchild or close relative urgently needing financial help. The scammers will say something like their grandchild has been in an accident and needs money to help them get to the hospital or something along those lines.
If the senior catches on and realizes it’s a scam, the fraudster will say they have kidnapped their grandchild and won’t release them until the senior pays up. In most cases, it’s a scam. Before acting, always verify the story with other family members and try calling your grandchild. (This is a good excuse to encourage them to answer the phone more often.)
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A man using phone and laptop at the same time (Kurt “CyberGuy” Knutsson)
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3) Government impersonation scam
This is when scammers pretend to be officials from agencies like the IRS, DEA or FBI and threaten legal action unless a payment is made. Scammers can also do this by phone spoofing, making it so that when they call the person they are targeting, their name and number actually show up in the caller ID as one of these agencies. Remember, these agencies will never call to demand money, and most companies won’t, either.
4) Sweepstakes or lottery scam
Wouldn’t it be nice to find out you’ve just won the lottery? Well, chances are, the exciting news is actually a scam. The sweepstakes or lottery scam happens when seniors receive calls from a scammer claiming they’ve won a sweepstakes or lottery but must pay a fee to claim their prize. They’ll never ask you to pay money first if it’s an authentic sweepstakes.
A person holding lottery tickets (Kurt “CyberGuy” Knutsson)
5) TV and radio scam
Scammers place ads for fraudulent services on TV or radio, tricking seniors into calling and handing over money, whether for a certain product or service. Always research companies thoroughly before buying from them.
A woman on her phone (Kurt “CyberGuy” Knutsson)
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6) Geek Squad phishing scam
In this particular scam, fraudsters send fake Geek Squad invoices via email, prompting seniors to call a provided number. During the call, scammers steal personal information under the guise of resolving a fake issue. Avoid clicking on suspicious links, and verify invoices through official company contacts.
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7) Overpayment scam
If you’re one to balance your checkbook the “old-fashioned” way, then you may have a hard time falling for this scam. Here, they’ll trick victims into believing they were accidentally overpaid for an item, service, bill or subscription, convincing them to refund the fake overpayment. To do this, they’ll ask for your sensitive data, including your bank account information. Always verify such claims with your bank or the relevant company before taking any action.
8) Unsubscribe email scam
Similar to the above, emails in your inbox that claim to help you unsubscribe from services are often actually phishing attempts to steal personal information. Sometimes, there will even be an “unsubscribe” link right in the email. Always use official websites to manage subscriptions and avoid clicking on unknown email links.
9) Health insurance scam
When it’s that time of year again to enroll in your health insurance plan, be on the lookout for scammers that take advantage of this. They’ll call offering fake health insurance plans or services, pretending to be health insurance brokers or what have you, often requesting personal information to “see what you’re eligible for.” Verify any health insurance offer with your provider directly.
A man using his laptop and holding cash (Kurt “CyberGuy” Knutsson)
10) Charity scam
It’s not uncommon for elderly people to be generous with their giving. But you don’t want to give too much or give it to a charity that’s not really a charity! Another tactic by fraudsters is to manipulate elders by soliciting donations for fake charities, especially after natural disasters. In this day and age, it’s not very common for these charities to call, but they could. Never give out your information or money right away. Thank them for their call, take the time to research an organization and make sure it is legitimate before deciding what to do.
11) Romance scam
Finally, scammers build fake romantic relationships online to extract money from seniors. A senior who’s feeling lonely and wants to build a connection with someone may fall for this scam without realizing it, assuming the person is genuine. If they do ask for money, they justify it by feeling connected to the person until it’s too late. Though plenty of seniors find genuine love online, sometimes meeting lifelong partners, be cautious about sharing personal information or sending money to someone you’ve only met online. There could be ulterior motives.
A woman sitting on a bench and looking out at the sea (Kurt “CyberGuy” Knutsson)
12) Artificial intelligence scams
Artificial intelligence (AI) scams are becoming increasingly sophisticated and pose a significant threat to seniors. These scams use AI technology to create convincing fake audio, video or text messages that appear to come from trusted sources. Here are some key points about AI scams targeting the elderly:
- Deepfake voice scams: AI can clone voices, allowing scammers to impersonate family members or authority figures in phone calls, making the “grandparent scam” even more convincing.
- AI-generated phishing emails: Scammers use AI to craft personalized, grammatically correct emails that appear legitimate, making them harder to detect as fraud.
- Chatbot impersonation: AI chatbots can mimic customer service representatives, tech support or government officials, tricking seniors into revealing personal information or making payments.
- Fake video calls: Advanced AI can create realistic video avatars, enabling scammers to impersonate loved ones or officials in video chats.
- AI-enhanced social engineering: Scammers use AI to gather and analyze personal information from social media, creating highly targeted and personalized scams.
To protect against AI scams, seniors should be cautious of unsolicited communications, verify identities through trusted channels, and stay informed about the latest AI-based fraud techniques. It’s crucial to educate older adults about these evolving threats and encourage them to report suspicious activities to the National Elder Fraud Hotline.
BEST TECH FOR SENIORS
12 tips to protect against senior scams
As scams targeting seniors become increasingly sophisticated, it’s crucial for older adults to arm themselves with knowledge and caution. The following 12 tips can help seniors stay one step ahead of fraudsters and protect their financial well-being and personal information.
1) Be wary of unsolicited calls, emails or messages. Never give out personal information or send money to unknown individuals.
2) Take your time and don’t act quickly under pressure. Scammers often create a false sense of urgency.
3) Verify the identity of callers claiming to be relatives in distress. Contact other family members to confirm the story before taking any action.
4) Be suspicious of requests for unusual payment methods like gift cards or wire transfers.
5) Keep computer and smartphone security software up to date and use two-factor authentication when possible.
6) Carefully review bills and credit card statements for unauthorized charges.
7) Be cautious of “free” offers that require payment for shipping or other fees.
8) Don’t trust caller ID alone, as scammers can fake legitimate numbers.
9) Be skeptical of unsolicited investment opportunities or deals that seem too good to be true.
10) Report suspected scams to local law enforcement, the National Elder Fraud Hotline (833-372-8311) or the Federal Trade Commission.
11) Don’t click on links in emails or text messages from unknown sources. If you’re unsure, go directly to the official website by typing the address into your browser. The best way to protect yourself from clicking malicious links that install malware that may get access to your private information is to have antivirus protection installed on all your devices. This can also alert you of any phishing emails or ransomware scams. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.
12) Invest in personal data removal services. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of continuously removing your information from hundreds of sites over a longer period. Remove your personal data from the internet with my top picks here.
By staying vigilant and following these precautions, seniors can better protect themselves from falling victim to fraudulent schemes.
Kurt’s key takeaways
Scammers generally don’t care who their victims are, but they know who they can target to execute their tactics better. Don’t fall for them. If anything in your gut tells you the situation is unusual, it probably is. After all, you’ve gained much life experience to know if something isn’t right. The general rule of thumb is that the more urgent the situation is that they are asking for money, chances are it is a scam. Don’t let your emotions get involved, and take a minute to figure out what’s really going on.
Have you ever been in a situation like this where you realized it was a scam? Or, have you maybe even fallen for one of these before? What happened? What did you do? Let us know by writing us at Cyberguy.com/Contact.
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Technology
Google’s Nest Thermostat has hit its best price of the year
If you’re looking for a relatively affordable way to cut down on cooling costs, Google’s Nest Thermostat can help. It’s packed with smart controls and energy-saving features, and right now it’s on sale in white for $79 ($50 off), which is its best price of the year, at Amazon.
The smart thermostat is quick to install and makes it easy to adjust your home’s temperature whether you’re relaxing in bed or on your way home thanks to the Google Home app. You can also create schedules and control it with your voice using Google Assistant, Alexa, or another Matter-compatible voice assistant.
Once it’s set up, the Nest Thermostat can automatically turn the temperature down when you’re away to help reduce unnecessary energy use, while Google’s Savings Finder feature suggests additional ways to save over time. It also monitors your HVAC system and can alert you if something doesn’t seem right, making it easier to stay on top of maintenance before small issues become bigger, more expensive ones. If you’re eligible, Nest Renew can also automatically shift some of your heating and cooling to times when electricity is cleaner or cheaper.
That said, this is Google’s entry-level model from 2020, so you do miss out on some of the premium features found on the latest Nest Learning Thermostat. Unlike the flagship version, it won’t learn your schedule automatically over time, for example, and lacks support for Nest Temperature Sensors that let you prioritize the temperature in a specific room. Even so, if all you want is an easy way to adjust your home’s temperature remotely and potentially lower your energy bills, the Nest Thermostat is still a solid investment at this price.
Technology
Medical identity theft follows you into the doctor’s office
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The Justice Department recently charged 455 people in its annual National Health Care Fraud Takedown. The cases involve more than $6.5 billion in alleged false claims. More state Medicaid units took part than in any prior year. Ninety of the accused are doctors or other licensed medical professionals. The DOJ says prosecutors still must prove the charges in court.
Many schemes used other people’s medical identities. Prosecutors also added aggravated identity theft charges in cases across dozens of states. In one case, the co-owner of a Virginia mental health company allegedly paid homeless people with hotel stays. Prosecutors say the company used their Medicaid numbers, then billed Medicaid for crisis services the patients never got.
For the people whose numbers got used, the case file may eventually close. Their medical records may not be so easy to fix. Once someone else’s treatment shows up under your name, it can add wrong information to your chart. It can also use up insurance benefits you may need later. That is harder to undo than canceling a credit card.
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DR OZ WARNS MEDICARE SCAMMERS ARE STEALING BILLIONS — AND YOUR PERSONAL INFORMATION COULD BE NEXT
Medical identity theft can put someone else’s claims, prescriptions or diagnoses into your health records, creating problems that can follow you into a doctor’s office. (iStock)
The identity thief’s treatment gets written into your file
Medical identity theft happens when someone uses your name, Social Security number (SSN), health insurance account number, or Medicare number to see a doctor, fill a prescription, buy medical equipment, or submit a claim, according to the Federal Trade Commission (FTC).
When care is billed under your name, the thief’s health information can blend into yours. The FTC warns that mixed records can affect the care you’re able to get and the benefits you are able to use. A blood type, a drug allergy, a diagnosis, or a prescription that belongs to a stranger can sit in the file a physician reads before treating you.
Data breaches can feed the market for medical identity theft
Hospitals and insurers hold the exact records that make the fraud work, and those records are stolen often. This does not mean every healthcare breach leads to fraud. However, it explains why your insurance number, Medicare number, SSN and medical records can become valuable long after a breach notice arrives.
This spring, NYC Health + Hospitals reported that an intruder had copied files that may have included health insurance information, medical information, biometric data, billing data and other personal information. The breach was later reported to affect roughly 1.8 million current and former patients and employees.
Once a name, SSN, insurance number, Medicare number or medical record reaches a criminal marketplace, it can be resold to operators who bill under someone else’s identity.
Treat your insurance card like a credit card
Your health insurance and Medicare numbers are what these operations need, so the FTC recommends guarding them the way you would a payment card.
- Keep enrollment forms, benefit statements, and prescription labels somewhere secure, and shred them before throwing them out.
- When a doctor’s office asks for your SSN, ask whether it can use another identifier or the last four digits instead.
- Be wary of anyone who calls, texts, or emails offering free braces, genetic tests, or medical supplies in exchange for your Medicare number; several of the schemes in the June takedown billed Medicare for exactly those items.
- If you are on Medicare, create or log in to your secure Medicare account and review your claims. You can also check your Medicare Summary Notice for services, supplies or equipment you do not recognize. If something looks wrong, call 1-800-MEDICARE.
HOSPICE FRAUD USES STOLEN IDENTITIES FOR FAKE PATIENTS
Experts urge patients to treat insurance cards like credit cards and quickly challenge unfamiliar medical bills, claims or benefits notices. (iStock)
Your credit report may never flag this fraud
Because a fraudulent medical claim runs through insurance and provider systems instead of a credit check, it skips the alerts most people rely on.
Here’s what the FTC says you should look out for:
- A bill or an Explanation of Benefits (EOB) statement for care you never received
- A call from a debt collector about a medical debt you do not owe
- A medical collection you do not recognize on your credit report
- A notice from your insurer that you have reached your benefit limit
- A Medicare Summary Notice that lists services, supplies or equipment you never received
What to do first if a medical claim looks wrong
If a bill, EOB or Medicare notice shows care you never received, move quickly and keep everything in writing.
1) Call your insurer or Medicare directly
Call your insurer or Medicare using the number on your card, not a number from a random text, email or voicemail.
2) Get the claim details
Ask for the provider name, date of service, claim number and service details.
3) Request the records in writing
Contact the provider in writing and request the medical or billing records tied to that claim.
4) Report the error
Report the error to your insurer’s fraud department.
5) File an identity theft report
File a report at IdentityTheft.gov if your medical identity was used. That gives you a recovery plan and documentation you may need if fraudulent bills or collections show up later.
6) Save every document
Keep copies of every bill, EOB, letter, portal message, police report and case number.
Correcting a medical file is slower than disputing a charge
Request your records from every provider, clinic, pharmacy, lab and insurer the thief may have used, then report each error in writing. Under HIPAA, a provider generally has 30 days to give you access to your records after a written request, with a possible 30-day extension.
Fixing the record itself can take longer. HHS says a covered provider or health plan usually has up to 60 days to act on a request to amend a medical record, with a possible 30-day extension in certain cases. If the provider or plan created the wrong information, it must amend inaccurate or incomplete information.
There’s one catch, though: a provider may refuse to release records that now contain a stranger’s information, citing that person’s privacy. If that happens, ask for the provider’s privacy officer or patient advocate. You can also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights if you do not get your records or an explanation within the required window.
TEXAS DATA BREACH HITS 3M LICENSE CUSTOMERS
Stolen Medicare, Medicaid or insurance numbers can be used to bill for care, medical equipment or prescriptions patients never received. (kali9/Getty Images)
A credit freeze alone won’t stop a claim under your insurance
A freeze blocks new accounts, but it does nothing about a claim filed with your insurance number. Because medical identity theft can move without touching your credit file, monitoring where your personal information appears is the earliest way to act on it.
An identity theft protection service can monitor the dark web, data broker sites and people-search sites for exposed SSNs, driver’s license numbers, medical ID numbers and email addresses. It can also track all three credit bureaus for medical collections that may follow and flag public-record changes tied to your name.
If misuse happens, some services include fraud resolution support to help you request records, dispute fraudulent claims and work with providers, insurers and credit bureaus. Some plans also include identity theft insurance for eligible recovery costs.
No service can prevent every misuse of your medical identity. However, ongoing monitoring may flag exposed information before another person’s treatment reaches your records and your insurance.
See my tips and best picks on Best Identity Theft Protection at CyberGuy.com.
Kurt’s key takeaways
Medical identity theft hits in a place most of us rarely check: our health records. A stolen credit card can usually be canceled quickly. A stolen Medicare or insurance number can create fake claims, wrong diagnoses and benefit headaches that follow you long after the fraud case ends. I would not wait for a credit alert here. Check your EOBs, Medicare Summary Notices and insurer portals for visits, prescriptions or equipment you never received. Also, treat your insurance card like a payment card. Do not give the number to anyone who calls, texts or emails out of nowhere with a free offer. The most important thing is to act fast. Call your insurer or Medicare, ask for the claim details and request your medical records in writing. Then file at IdentityTheft.gov, so you have the paperwork you need if fraudulent bills or collections show up later.
Have you ever spotted a medical bill, insurance claim or EOB for care you never received? Let us know by writing to us at CyberGuy.com.
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Technology
Meta is reportedly working on smart glasses that would be recording all the time
Meta might be the next company to make an always-on AI wearable. The company is working on prototype “super sensing” always-aware smart glasses that could continuously record audio and snap photos “every few seconds,” according to the Financial Times. The wearer could then ask Meta AI about the captured audio and images.
However, the images and audio might not be directly available to the user. Here’s how the FT describes one way the glasses could use the data:
In one proposed system, raw footage and audio would not be stored by Meta or made available to the user, several people said. Instead, the metadata from that audio and images would be extracted and uploaded to the server for Meta’s AI to query, which proponents argue would have fewer privacy implications.
But currently, Meta is planning for the LED recording indicator to remain off in “super sensing” mode, the FT reports. In a July 2025 whitepaper, the company said that it would reserve the LED indicator for “active capture” scenarios where the user is saving photos or videos, and leave it off during “AI Feature” use — such as scanning a menu — to avoid users becoming too used to the indicator. (If the indicator was on during the “super sensing” mode, it might also be harder to know when the glasses are actually recording video.)
Meta is also discussing if it would use the captured data for training its AI models. It may also bring the “super sensing” features to glasses it has already released, the FT says.
“While we don’t comment on internal prototypes, we’re committed to getting our glasses right because they need to be loved by both people wearing them and those around them,” Meta spokesperson Dave Arnold says in a statement to The Verge. Arnold also notes that “Our approach has been to develop new technologies that will help people throughout their day, with privacy built in from the ground up.”
Meta hasn’t been shy about some type of always-aware glasses being a possibility. CEO Mark Zuckerberg, in the company’s Q1 2026 earnings call, said that he was “really excited to see the glasses evolve from being able to answer questions to being able to be a personal agent that’s with you all day long, helping you remember things and achieve your goals.” In a March blog post about new Ray-Ban Meta glasses, the company wrote that “with ongoing software updates, Meta AI on glasses will transition from something you have to prompt with a question each time, to a more continuous, in-the-moment assistant that can help throughout the day.”
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