Seniors are appealing targets for several reasons. First, they often possess retirement accounts, pensions, and investment portfolios, giving criminals more opportunities to commit fraud. Second, identity thieves exploit trust. Scammers frequently impersonate Medicare, Social Security, banks, or even family members, knowing seniors may respond more readily to phone calls or official-looking letters. Third, medical identity theft has become a growing issue. Stolen Medicare numbers can be used to bill fake services or prescriptions, sometimes without the senior discovering the activity until months later. In addition, even mild cognitive changes can make high-pressure scams more difficult to assess, increasing vulnerability.

The most common fraud schemes affecting seniors include Medicare and Social Security impersonation calls, “grandparent scams” where a caller claims a loved one is in trouble, computer or tech support scams alleging that a device is infected with a virus, and phishing messages designed to capture login credentials. Mail theft and check fraud also remain persistent problems, especially in communities where seniors still rely on physical mail for bill payments and financial correspondence. While the tactics vary, the goal is always the same: gaining access to personal information that can be used to open accounts, reroute benefits, or drain savings.

The consequences extend far beyond financial loss. Identity theft can disrupt access to bank accounts, freeze retirement funds, damage credit scores, and take months or even years to fully resolve. For many older adults, the emotional impact is equally significant. Seniors who fall victim to fraud often describe feeling violated, embarrassed, or hesitant to seek help. Some withdraw from independent activities because they no longer feel confident managing their personal affairs. This erosion of independence is one of the most overlooked consequences of senior-focused identity theft.

Fortunately, there are practical steps that significantly reduce risk. Seniors should avoid sharing personal information with anyone who contacts them unexpectedly by phone, email, or text—even if the caller appears legitimate. Medicare, Social Security, banks, and credit card companies do not ask for sensitive information through unsolicited outreach. Shredding sensitive documents, including insurance letters, bank statements, and prescription labels, remains a simple but highly effective way to limit exposure. Creating strong, memorable passwords—such as a three-word phrase—and enabling two-factor authentication adds another layer of protection. Seniors and their families should also consider placing a free credit freeze with all three major credit bureaus, which prevents new accounts from being opened without permission.

Regular monitoring is equally important. Reviewing bank and credit card activity weekly can identify fraud early, before it has time to spread. Families can support older relatives by helping set up transaction alerts, assisting with password management tools, and establishing an open line of communication so that seniors feel comfortable discussing suspicious phone calls or letters. Installing call-blocking tools or using phone services that automatically filter suspected scam calls can further reduce risk. Most importantly, families should maintain a supportive, nonjudgmental environment. Seniors are far more likely to report a questionable situation when they feel safe doing so.

At Personal Living Alert (PLA), we view senior safety holistically. While our emergency response systems help protect seniors during medical events and falls, safety also includes safeguarding personal information, financial well-being, and emotional peace of mind. We routinely guide families through conversations about risk, independence, and proactive protection. Awareness and education are powerful tools that allow seniors to maintain confidence and control in every aspect of daily life.

Identity theft is a serious issue, but it is also manageable with the right knowledge and habits. Seniors who stay informed, slow down before responding to unexpected requests, and lean on the support of their families are much less likely to become victims. With vigilance and the proper safeguards in place, older adults can continue to enjoy the independence and security they’ve earned. If you would like a companion checklist, social-media summary, or printable handout for clients and referral partners, I would be happy to create that as well.