Elder Scams and Senior Fraud Abuse
Preventing and dealing with financial exploitation
Are you or do you know an elderly adult who’s being abused, neglected, or exploited financially? These guidelines can help you spot the warning signs and stop the abuse.
Elder abuse includes physical, emotional, or sexual harm inflicted upon an older adult, their financial exploitation, or neglect of their welfare by people who are directly responsible for their care. In the U.S. alone, more than half a million reports of elder abuse reach authorities every year, and millions more cases go unreported.
As older adults become more physically frail, they're less able to take care of themselves, stand up to bullying, or fight back if attacked. Mental or physical ailments can make them more trying companions for those who live with them. And they may not see or hear as well or think as clearly as they used to, leaving openings for unscrupulous people to take advantage of them.
Elder abuse tends to take place where the senior lives: where their abusers are often adult children, other family members such as grandchildren, or a spouse or partner. Elder abuse can also occur in institutional settings, especially long-term care facilities.
If you suspect that an elderly person is at risk from a neglectful or overwhelmed caregiver, or being preyed upon financially, it’s important to speak up. Everyone deserves to live in safety, with dignity and respect. These guidelines can help you recognize the warning signs of elder abuse, understand what the risk factors are, and learn how to prevent and report the problem.
There's an elderly neighbor you've chatted with at civic meetings and block parties for years. When you see her coming to get her mail as you walk up the street, you slow down and greet her at the mailbox. She says hello but seems wary, as if she doesn't quite recognize you.
You ask her about a nasty bruise on her forearm. Oh, just an accident, she explains; the car door closed on it. She says goodbye quickly and returns to the house.
Something isn't quite right about her. You think about the bruise, her skittish behavior. Well, she's getting pretty old, you think; maybe her mind is getting fuzzy.
But there's something else—something isn't right.
Abuse of elders takes many different forms, some involving intimidation or threats against the elderly, some involving neglect, and others involving financial trickery.
The most common are:
The non-accidental use of force against an elderly person that results in physical pain, injury, or impairment. Such abuse includes not only physical assaults such as hitting or shoving but the inappropriate use of drugs, restraints, or confinement.
[Read: Domestic Violence and Abuse]
The treatment of an older adult in ways that cause emotional or psychological pain or distress, including:
Contact with an elderly person without their consent. Such contact can involve physical sex acts, but activities such as showing an elderly person pornographic material, forcing the person to watch sex acts, or forcing the elder to undress are also considered sexual elder abuse
[Read: Recovering from Rape and Sexual Trauma]
The unauthorized use of an elderly person's funds or property, either by a caregiver or an outside scam artist.
An unscrupulous caregiver might:
Typical scams that target elders include:
[Read: Elder Scams and Senior Fraud Abuse]
Carried out by unethical doctors, nurses, hospital personnel, and other professional care providers. This can include:
Failure to fulfill a caretaking obligation. This constitutes more than half of all reported cases of elder abuse. It can be intentional or unintentional, based on factors such as ignorance or denial that an elderly charge needs as much care as they do.
One of the most common forms of elder abuse encountered by geriatric care managers is self-neglect. Physical or mental impairment or diminished capacity can mean that an older adult is no longer able to perform essential self-care. They may lack basic personal hygiene, appear dehydrated, malnourished, or underweight, live in increasingly unsanitary or dirty conditions, and be unable to pay bills or properly manage their medications.
Self-neglect can be a sign of depression, grief, dementia, or other medical problem, and in many cases, the older person will refuse to seek assistance. They may be in denial, feel ashamed about needing help, or worried about losing their independence.
Signs of elder abuse can be difficult to recognize or mistaken for symptoms of dementia or the elderly person's frailty—or caregivers may explain them to you that way. In fact, many of the signs and symptoms of elder abuse do overlap with symptoms of mental deterioration, but that doesn't mean you should dismiss them on the caregiver's say-so.
[Read: Dementia Symptoms, Types, and Causes]
Frequent arguments or tension between the caregiver and the elderly person or changes in the personality or behavior in the elder can be broad signals of elder abuse. If you suspect abuse, but aren't sure, you can look for clusters of the following warning signs.
It's difficult to take care of a senior who has many different needs, and it's difficult to be elderly when age brings with it infirmities and dependence. Both the demands of caregiving and the needs of the elder can create situations in which abuse is more likely to occur.
Many nonprofessional caregivers—spouses, adult children, other relatives and friends—find taking care of an elder to be satisfying and enriching. But the responsibilities and demands of caregiving, which escalate as the elder's condition deteriorates, can also cause significant stress. The stress of elder care can lead to mental and physical health problems that leave caregivers burned out, impatient, and more susceptible to neglecting or lashing out at the elders in their care.
[Read: Caregiver Stress and Burnout]
In addition to the caregiver's inability to manage stress, other risk factors for elder abuse include:
Even caregivers in institutional settings can experience stress at levels that lead to elder abuse. Nursing home staff may be prone to elder abuse if they lack training, have too many responsibilities, are unsuited to caregiving, or work under poor conditions.
If you're a caregiver to an elderly person and feel you are in danger of hurting or neglecting them, help and support are available. Perhaps you're having trouble controlling your anger and find yourself screaming louder and louder or lashing out at the person in your care? Or other people have expressed concern with your behavior or the tension between the two of you? Or maybe you simply feel emotionally disconnected or overwhelmed by the daily needs of the elderly person in your care?
Recognizing that you have a problem is the biggest step to getting help and preventing abuse.
As a caregiver, the following steps can help you prevent elder abuse or neglect:
Take immediate steps to relieve stress and burnout. Stress is a major contributor to elder abuse and neglect. You can help reduce your stress levels by regularly practicing stress-relieving techniques such as yoga, meditation, or deep breathing exercises.
Request help from friends, relatives, or local respite care agencies or find an adult daycare program. Every caregiver needs to take regular breaks from the stress of caring for an elder and to attend to their own needs, if only for a couple of hours.
Learn techniques for getting your anger under control.
Take care of yourself. If you are not getting enough rest, you are much more likely to succumb to anger. Eat a healthy diet, get regular exercise, and take care of your own medical needs.
Seek help for depression. Family caregivers are especially at risk for depression, but there are plenty of things you can do to boost your mood and outlook and overcome the problem.
Find a support group for caregivers of the elderly. Sharing your concerns and experiences with others facing the same challenges can help relieve the isolation you may be feeling as a caregiver. It can also be a great place to gain valuable tips and insight into caring for an elder.
Get help for any substance abuse issues. It's never easy, but there are plenty of actions you can take to address drug or alcohol abuse.
Get professional help. If you can't seem to stop yourself no matter how hard you try, it's time to get help by talking to a therapist.
If you're a concerned friend, neighbor, or family member, the following can help to prevent abuse of an elderly person:
Call and visit as often as you can, helping the elder to see you as a trusted confidante.
Offer to stay with the elder so the caregiver can have a break—on a regular basis, if possible.
Monitor the elder's medications to ensure the amounts being taken correspond with the prescription dates.
Watch for financial abuse by asking the elder if you can check their bank accounts and credit card statements for unauthorized transactions.
Identify the warning signs of abuse or neglect and report it without delay.
If you are an elder who is being abused, neglected, or exploited, tell at least one person. Tell your doctor, a friend, or a family member whom you trust. Or call one of the helplines listed below.
If you witness an older adult being abused or neglected, don't hesitate to report the situation. And if you see future incidences of abuse, continue to call and report them. Each elder abuse report is a snapshot of what is taking place. The more information that you can provide, the better the chance the elder has of getting the quality of care they need. Older adults can become increasingly isolated from society and, with no work to attend, it can be easy for abuse cases to go unnoticed for long periods.
Many seniors don't report the abuse they face even if they're able. Some fear retaliation from the abuser, while others view having an abusive caretaker as better than having no caretaker and being forced to move out of their own home. When the caregivers are their children, they may feel ashamed that their children are inflicting harm or blame themselves: “If I'd been a better parent when they were younger, this wouldn't be happening.” Or they just may not want children they love to get into trouble with the law. In any situation of elder abuse, it can be a real challenge to respect an older adult's right to autonomy while at the same time making sure they are properly cared for.
In the case of an elder experiencing abuse by a primary caregiver, such as an adult child:
Do not confront the abuser yourself. This may put the older person in more danger unless you have the elder's permission and are able to immediately move them to alternative, safe care.
Find strength in numbers. If a family caregiver is suspected of abuse, other family members may have the best chance of convincing the older adult to consider alternative care.
Feelings of shame can often keep elder abuse hidden. You may not want to believe a family member could be capable of abusing a loved one, or you may even think that the older adult would be angry at you for speaking up. But the earlier you intervene in a situation of elder abuse, the better the outcome will be for everyone involved.
In the case of self-neglect:
Even if the elder refuses your help, keep checking in with them. Enlist others to express their feelings of concern to them. Sometimes a peer or a neutral party, such as a geriatric care manager, may have a better chance of getting through.
Make sure the older adult is connected with medical services. Since self-neglect can have medical causes, share your concerns with the elder's doctor if possible.
Offer the elder home services on a trial basis. This can help them see the positive changes they can experience, and open them up to considering alternative care. For example, encourage them to try housekeeping help for a month or a meal delivery service for a few weeks.
[Read: Home Care Services for Seniors]
Tour assisted living or other senior housing facilities without any immediate pressure to move. This may help dispel any myths or eradicate the older person's fears about moving.
Consider legal guardianship. If you are concerned that a person's ability to take care of themselves safely is compromised, you can look into legal guardianship or legal conservatorship. If there is not an appropriate family member available, a guardian can be appointed by the court.
1-800-677-1116 (Eldercare Locator) or find local resources at National Center on Elder Abuse.
080 8808 8141 (Action on Elder Abuse).
1300 651 192 (Elder Abuse Prevention Unit).
Visit Government of Canada to find help.
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