Phone scams targeting seniors cost Americans over $3 billion every year. The scammers are professional, convincing, and relentless. But they all use the same tricks — and once you know what to look for, they're easy to spot.

The Golden Rule

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If anyone calls you asking for money, gift cards, wire transfers, or personal information — hang up immediately. Real government agencies and legitimate companies never ask for payment over the phone, especially in gift cards.

The Most Common Scams

1. The IRS / Social Security Scam

Someone calls claiming to be from the IRS or Social Security Administration. They say you owe money or your benefits are about to be suspended. They demand immediate payment — often in gift cards.

The truth: The IRS always contacts you by mail first. Social Security will never call threatening to suspend your benefits. Hang up immediately.

2. The Grandparent Scam

Someone calls pretending to be your grandchild (or a lawyer or police officer calling on their behalf). They say your grandchild is in trouble — arrested, in a car accident, or in the hospital — and needs money wired immediately. They beg you not to tell other family members.

The truth: Hang up and call your grandchild directly on the number you already have for them. Never wire money or buy gift cards for anyone who calls you out of the blue.

3. The Tech Support Scam

A pop-up appears on your computer saying your device is infected with a virus. It shows a phone number to call. When you call, they ask to connect to your computer remotely and then either steal your information or charge hundreds of dollars for fake "repairs."

The truth: Microsoft, Apple, and Google never call you or show pop-ups asking you to call them. Close the window. If you can't close it, turn your computer off.

4. The Medicare / Health Insurance Scam

Someone calls claiming to be from Medicare offering free medical equipment or a new card. They ask for your Medicare number to "verify" your account.

The truth: Medicare will never call you out of the blue asking for your number. Never give your Medicare ID to anyone who calls you.

Warning Signs of Any Scam

  • They create panic and say you must act RIGHT NOW
  • They ask you to pay with gift cards (this is always a scam)
  • They ask you to keep the call secret from family
  • They threaten arrest, lawsuits, or account suspension
  • The caller ID looks official but the caller acts aggressive

What to Do If You Get One of These Calls

  • Hang up. You don't owe them an explanation.
  • Call a family member before doing anything else.
  • Report it to the FTC at reportfraud.ftc.gov
  • Don't call back numbers they leave for you.
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Tell your family about this guide. The more people who know these tactics, the harder scammers' jobs become. Share this page with anyone who might be vulnerable.