Elder Fraud and Scams: A Growing Problem and How to Protect Yourself
As our population ages, elder fraud and scams have become an increasingly serious problem. Seniors are often targeted by scammers because they are seen as vulnerable and more trusting, making them easy targets for fraudsters who prey on their emotions and vulnerabilities. Elder fraud and scams can lead to devastating financial consequences for seniors and their families, leaving many in dire financial straits. In this article, we will discuss the growing problem of elder fraud and scams, some statistics surrounding the issue, the most common scams, how to prevent them, and how to report fraud in Texas.
The Growing Problem of Elder Fraud and Scams
Elder fraud and scams are a growing problem, with more and more seniors falling victim to scams every year. According to the Federal Trade Commission (FTC), consumers over the age of 60 filed more than 143,000 fraud reports in 2020, with a total reported loss of more than $621 million. This represents a significant increase in the number of fraud reports filed by seniors over the past decade, indicating a growing problem.
Most Common Scams Targeting Seniors
There are many different types of scams that target seniors, but some are more common than others. The following are some of the most common scams targeting seniors:
1. Tech Support Scams: Scammers will call or email seniors claiming to be tech support personnel from a reputable company, such as Microsoft or Apple. They will then claim that there is a problem with the senior's computer and ask for remote access to fix the issue. Once they gain access to the computer, they can steal personal information or install malware.
2. Grandparent Scams: Scammers will call seniors posing as their grandchild, claiming to be in trouble and in need of money. They will ask the senior to wire money or purchase gift cards and provide the card numbers to the scammer.
3. Sweepstakes Scams: Scammers will call or send mail to seniors claiming that they have won a sweepstakes or lottery. They will ask for payment of taxes or fees before releasing the winnings, but the winnings never materialize.
4. Medicare Scams: Scammers will call seniors claiming to be Medicare representatives and ask for personal information, such as their Social Security number, in order to send them a new Medicare card. They will then use this information to commit identity theft.
Scammers may use a sense of urgency to try to pressure the elderly into making quick decisions. They may threaten legal action or claim that they are from a government agency, such as the IRS, in an attempt to scare the elderly into giving them money or personal information.
Preventing Elder Fraud and Scams
To prevent elder fraud and scams, there are several steps that elderly individuals and their loved ones can take.
1. Never give out personal information over the phone or via email unless you are certain that the request is legitimate.
2. Do not wire money or send gift cards to anyone who calls or emails you asking for money.
3. Verify any requests for personal information or money by calling the company directly using a phone number you know is legitimate.
4. Do not click on links or download attachments from emails or websites you do not trust.
5. Sign up for the National Do Not Call Registry to reduce the number of telemarketing calls you receive.
6. Be wary of unsolicited phone calls or emails that ask for personal information or money.
Overall, elder fraud and scams are a growing problem that is impacting thousands of elderly individuals across the country. By educating oneself about the different types of scams and taking steps to prevent them, elderly individuals and their loved ones can protect themselves from becoming victims. Reporting scams to the appropriate authorities is an important step in preventing further fraud and holding scammers accountable for their actions.
Elder fraud and scams are a growing problem, and seniors need to take steps to protect themselves.
Reporting Elder Fraud and Scams in Texas
If an elderly individual believes that they have been the victim of a scam, it is important to report it immediately. In Texas, individuals can report fraud or scams to the Texas Attorney General's office or to the Texas Department of Aging and Disability Services. Reporting scams is important not only to prevent further fraud, but also to help law enforcement investigate and bring scammers to justice.
Here are the steps to report elder fraud and scams in Texas:
1. Contact local law enforcement: If you suspect that an elder is being scammed or defrauded, the first step is to call the local police department or sheriff's office. You can also call 911 if the situation is an emergency. The police will take your report and investigate the matter.
2. Contact Adult Protective Services (APS): If the elder is a vulnerable adult or has a disability, you can contact APS to report the fraud or scam. APS is a state agency that investigates reports of abuse, neglect, and exploitation of vulnerable adults. You can contact the Texas Adult Protective Services (APS) Central Intake by phone at 1-800-252-5400 or online at https://www.txabusehotline.org/Login/Default.aspx.
3. Contact the Texas Attorney General's office: If the scam or fraud involves a business or company, you can contact the Texas Attorney General's office. The office has a Consumer Protection Division that investigates consumer complaints and takes legal action against businesses that engage in fraudulent practices. You can file a complaint online at the Attorney General's website. Texas Attorney General's Consumer Protection Division by phone at 1-800-621-0508 or online at https://www.texasattorneygeneral.gov/consumer-protection/file-consumer-complaint.
4. Contact the Federal Trade Commission (FTC): The FTC is a federal agency that investigates consumer fraud and identity theft. File a complaint with the Federal Trade Commission (FTC) to report fraud and scams by phone at 1-877-FTC-HELP (1-877-382-4357) or online at https://www.ftc.gov/complaint.
5. Contact the Better Business Bureau (BBB): If the fraud or scam involves a business, you can also contact the BBB. The BBB collects complaints about businesses and works with them to resolve consumer issues. You can file a complaint online at the BBB's website.
It's important to note that reporting elder fraud and scams can help prevent others from becoming victims. If you suspect that someone you know is being scammed or defrauded, encourage them to report it as soon as possible.
Additional Resources to Prevent or Address Elder Abuse in the Greater Dallas – DFW Area
Elder Financial Safety Center
The Senior Source
Adult Protective Services
Texas Attorney General
AARP
McNair Dallas Law
teleCalm
Author: Kathleen Warshawsky, BSN, RN | Publisher Seniors Blue Book Greater Dallas | https://www.linkedin.com/in/kathleenwbsnrn/
Thinking about a move can stir up all kinds of emotionsexcitement, uncertainty, even a little stress. Maybe your home feels too large now. Maybe the upkeep is getting harder. Or maybe its simply time for a fresh start in a place that suits your needs todaynot 10 or 20 years ago. Navigating the real estate market, preparing your home to sell , and making decisions about relocating to a new place to live is a big processbut with the right support, it can also be empowering. Its about choosing what comes next on your terms and stepping into a lifestyle thats simpler, safer, and more aligned with how you want to live. Understanding the Marketand Your OptionsIn the first half of 2025, the DallasFort Worth housing market is shifting toward more balance. That means sellers are still seeing solid value, while buyers have more time and options to make thoughtful choices. If youre thinking about downsizing, this could be a great moment to take the leap.According to Karen Young, a Seniors Real Estate Specialist (SRES), the DFW housing market is especially active among adults 55 and older who are looking for the ideal place to relocate or invest in their retirement future. Texas consistently appeals to seniors, she explains, with its favorable tax climate, reasonable cost of living, and diverse options in senior-focused communities.Karen also notes a rising demand for homes in active adult neighborhoods offering amenities like fitness centers, social activities, and maintenance-free living. Im personally seeing senior executives moving toward retirement increasingly consider these communities, she says, either as a current lifestyle choice or a strategic investment for their future.With DFWs competitive real estate landscape, Karen encourages seniors to be proactive and to work with real estate professionals experienced in senior relocation. This is especially important when navigating tax strategies related to capital gains and understanding senior property tax exemption status, she adds.Whether you plan to move to a smaller home or to an active adult or retirement community, understanding your real estate options is key. That includes knowing what your current home is worth, what kind of living space fits your lifestyle, and what steps are needed to get from where you are now to where you want to be.Thats where professionalslike real estate agents, organizers, and senior relocation specialistscan make all the difference.Your Moving Preparation ChecklistHaving an outline or list of where to begin the process can help you put everything in perspective and alleviate the overwhelm of it all. Here are a few guidelines to help you feel in control once things get going:Start Early Give yourself plenty of time to make decisions without feeling rushed.List Your Priorities What matters most in your next home? Proximity to family? Less maintenance? Community living?Get a Home Evaluation Understanding your homes market value is a great first step.Purge with Purpose Begin sorting what to keep, donate, or let go ofwith help if needed.Meet with Professionals A move manager, real estate agent, or financial advisor can offer personalized insight.Keep it all Together Store your notes, contact info, and paperwork all in one place.Be Kind to Yourself Downsizing can be emotional. Dont shy away from taking time to reflect and recharge.Look to the Future Remind yourself why youre making this moveits about ease, safety, joy, and freedom.You Dont Have to Do It AlonePlanning a move can feel like a lotbut it doesnt have to be something you tackle on your own. There are experienced professionals who specialize in making this kind of transition smoother, more organized, and a lot less stressful.Thats exactly what we do at WellRive.Our senior relocation specialists are here to support you through every step of the journey. From connecting you with a knowledgeable real estate agent and helping you explore new living options, to organizing, downsizing, and packingwere by your side through it all. And once youve moved, well even help set up your new home so it feels just right from the moment you walk in.Contact WellRive today at 469-526-4201 to learn how we can help make your move easier, more organized, and fully supported - from start to finish.
As we get older, life naturally starts to feel a bit different. What once felt like the perfect family home can start to feel like a LOT of work. Cleaning empty bedrooms, climbing stairs, keeping up the yardsometimes it all adds up to more stress than comfort.If youve been thinking, Do I really need all this space?youre not alone. More and more older adults across the country, including here in the DallasFort Worth (DFW) area, are choosing to downsize (or as we like to say, rightsize) to something that better fits their current lifestyle. In fact, a 2024 report by the North Texas Real Estate Information Systems (NTREIS) showed that DFW homeowners aged 60+ accounted for nearly 1 in 4 home sales, many of whom were selling larger homes to move into smaller, more manageable properties or senior living communities. Whether it's relocating to a smaller home, a condo, or a retirement community, the decision can lead to less upkeep, more freedom, and a boost to your financesespecially in todays housing market. But with interest rates, housing prices, and inflation all playing a part, how do you know whats right for you?Lets break it down.Whats Happening with Interest Rates in 2025?As of April 2025, interest rates are still relatively high, with the average 30-year mortgage hovering around 6.7%7%. That might seem like a reason to waitbut for seniors who are selling a large, mortgage-free home, downsizing still makes strong financial sense.Why? Because many retirees are cash buyersmeaning you may not need a mortgage at all when purchasing a smaller home, condo, or moving into a retirement community.You can sell your current home (often at a high price, since real estate values have remained strong in many parts of the country) and use the equity to pay outright for a smaller propertyor invest it for future needs.Whats the Smarter Move: Smaller Home or Retirement Community?Before you start packing boxes or browsing condo listings, take a moment to reflect. Ask yourself: Do I want to cut monthly costs and free up some equity? Do I crave more social opportunities, built-in amenities, and less responsibility when it comes to maintaining a home?If you're nodding yes, downsizing may be the right next step. But the type of move depends on your lifestyle: A smaller home or condo may be perfect if you still want independence, privacy, and flexibility. A senior or retirement community is ideal if you value connection, convenience, and amenities like fitness classes, dining services, and on-site healthcare. Lets Talk Numbers: Is Downsizing Worth It?Heres a snapshot of the financial perks of downsizing in todays market:Lower Monthly Costs Housing payments: Based on a 2024 study from StorageCafe.com, downsizing from a 4-bedroom to a 2-bedroom home can save up to $200,000$500,000 depending on your location. Utilities: Smaller spaces mean lower bills. According to a survey conducted by Texas-based pre-paid electric company, Payless Power, nearly 20% of Americans downsize to cut energy costs. Property taxes & insurance: Historically, both of these usually decrease with a smaller, lower-valued home. Unlocking Equity Selling your current home can free up hundreds of thousands of dollars in equity. That money can be used to: Invest in income-generating accounts or annuities Pay for healthcare, travel, or family support Cover future long-term care or in-home support services Lower Maintenance = Less Stress Repairs, yard work, and home maintenance costs all shrink with smaller properties or move-in-ready communities. If you move into a retirement community, things like snow shoveling, lawn care, and even housekeeping may be included. But What About the Costs of Moving?Its a great question. Moving can come with its own expensesbut many of those are one-time costs, and theyre often far outweighed by long-term savings and improved quality of life.Partnering with a senior relocation company like WellRive takes the stress out of downsizing by handling every detaildecluttering, packing, staging, coordinating the home sale, and getting you comfortably settled into your new space. Having dedicated, experienced support during a major life transition isnt just helpfulits truly invaluable.Lets Make This Your Best Move YetDownsizing isnt about giving upits about gaining more. More time, more freedom, and more peace of mind when it comes to your finances. Whether you're exploring smaller homes or considering a senior community, were here to support you. Contact WellRive today at 469-526-4201 and discover how downsizing can open up a wealth of possibilities!
For many older adults, the thought of movingwhether its downsizing, relocating closer to family, or transitioning into a senior living communitycan feel overwhelming. Its not just about sorting through possessions and packing boxes. Its about leaving behind familiar spaces, making emotional decisions, and managing a physically and mentally exhausting process.Thats where move management comes in.What Is Move Management?Move management is a specialized service that supports individualsparticularly older adults and their familiesthrough every stage of the moving process. Unlike traditional moving companies that focus solely on transportation, move managers provide a holistic approach to relocation: helping to plan, downsize, organize, coordinate logistics, and even set up the new home.This kind of support can make all the difference between a stressful upheaval and a smoother, more manageable transition.What Does a Move Manager Do?A full-service move manager wears many hats. Services typically include:Planning and coordinationDeveloping a personalized moving plan and timeline, communicating with family members, coordinating with realtors or care communities, and ensuring all details are managed.Downsizing and declutteringHelping clients decide what to keep, donate, or sell, and providing emotional support when letting go of personal items with sentimental value.Packing and organizingManaging all packing materials and labor, and ensuring everything is packed logically and labeled clearly to ease the unpacking process.Move-day logisticsScheduling and overseeing trusted movers, keeping things on track, and addressing any last-minute issues that arise on moving day.Setting up the new homeUnpacking, arranging furniture, making beds, hanging art, and creating a comfortable, livable spaceso the new home feels familiar and welcoming from day one.Why Move Management MattersEspecially for SeniorsMoving at any stage of life can be a challenge. But for seniors, the process often involves unique obstacles. Heres how move management helps address them:The physical demandsLifting heavy boxes, bending, and sorting can be too much for older adultsespecially those managing health conditions. Move managers take on the physical work, reducing risk and strain.The emotional loadLeaving a longtime home can stir up grief, anxiety, or uncertainty. Move managers are trained to support clients through these feelings with empathy, patience, and encouragement.The complexity of logisticsCoordinating a move involves dozens of tasks, from forwarding mail and transferring utilities to working with multiple vendors. A move manager streamlines it all into a single, organized plan.The pressure of timeFamilies may be juggling work, caregiving, or living far away. A move manager can step in as a reliable partner, ensuring nothing falls through the cracks when time is tight.When Its Time to Ask for HelpWhether youre helping a parent move into a retirement community or planning your own downsize, its easy to feel overwhelmed by the details. Thats when bringing in support can make all the difference. Move management offers more than just logisticsit brings peace of mind to families during a major life transition.If youre not sure where to start or just need someone to take the reins, consider working with a move management professional, like WellRive. We specialize in senior move management, offering personalized support for older adults and their families throughout the DallasFort Worth area and surrounding communities. From organizing and packing to coordinating the move and setting up the new home, our team is here to help make each step feel a little lighter, and a lot more manageable.Contact WellRive today at 469-526-4201
Dont Let a Stroke Ruin Your RetirementYour risk of stroke and cardiovascular disease increases as you age. But the good news is 80% of stroke and cardiovascular disease CAN be prevented.1 If you are age 50 or older, you should be screened.Often there arent any symptoms of a stroke before it occurs, in fact for 4 out of 5 people who have a stroke the first symptom of any illness is the actual stroke.2 But, you can take steps to find out if youre at risk.Life Line Screening is a premier provider of preventive screenings for stroke and cardiovascular disease risk. A simple appointment can identify your risk factors and provide peace of mind or early detection.Screenings are easy, painless, non-invasive and dont require any messy prep work.Life Line Screening has over 14,000 locations across the United States so you can find one close to you.Getting screened is affordable. The most popular package at Life Line Screening includes 5 screenings in 1 appointment for $149.Get the most out of your life! Find out your stroke and cardiovascular disease risk with Life Line Screening so you can be in control and do something about it.***CLICK HERE*** to schedule your appointment! A simple screening can be worth a lifetime.1 American Heart Association https://www.heart.org/en/get-involved/advocate/federal-priorities/cdc-prevention-programs2 Hackam DG, Karpral MK, et al. Most stroke patients do not get a warning, a Population Based Cohort Study. Sept. 2009. Neurology, 73, 1074-1075.
If You Have A Hearing, Vision Or Mobility Problems Accessing Or Using A Telephone - You May Qualify For A Free Telephone! 4 out of 5 Americans over the age of 60 have some hearing, vision or mobility loss. There is help however and it is paid for by you through a government program called STAP, Specialized Telecommunications Assistance Program, by a small charge each month on your telephone bill. Why not take advantage of a benefit youre paying for already? Contact Laura Carr, STAP to learn more about this program and show you what equipment youre eligible to receive FREE OF CHARGE! To qualify, you must be a Texas resident with a problem with vision, hearing or mobility. You are entitled to one FREE phone every 5 years. You can get a cell phone, landline, smartphone or tablet, depending on your disability. Must provide proof of residency. Acceptable forms of residency include:* Texas Drivers License* ID card with address* Voters Registration card* Letter from facility on their stationery* Utility Bill (current - showing address)* Vehicle registration card* Medicaid ID* Medicare Summary This program is for any Texas Resident that has a Vision, Hearing, Mobility- including cognitive problems. They are entitled to FREE telephone equipment (just the device) and they have to pay their monthly charges to their telephone service provider. Depending on their impairment, they may qualifiy for a Landline Telephone with a medical alert system; a Regular Cell Phone (where they can make calls, text, take photos including a medical alert button on the back. If they have a hearing problem, they can receive a 2-way texting device - an Android Smart Phone or Android Tablet. They have to provide their proof of residency for the State of Texas: a current drivers license, Texas ID, Voters Registration Card or a Utility bill showing their name & current address & date. Laura can assist with completing an application, take a photo of their proof of residency - attach to their signed application & send it to STAP headquarters in Austin, Texas. The State processes their application & mails the Voucher for the equipment, directly to the Resident. Once they receive the Voucher, they contact Laura and she will deliver the equipment that is authorized on the voucher to the Resident. NO MONEY CHANGES HANDS. Laura Carr, STAP Specialist has worked with this program for 16 years.Contact Laura at 214-388-0088 or LauraCarr@prodigy.net