How to tell the difference between legitimate contact and a scammer
The IRS tax filing deadline is now behind us—and most taxpayers are breathing a sigh of relief. But while we can put the annual chore of calculating our taxes behind us for the year, there’s another IRS-related issue to keep on our radar: IRS impostor scams.
If you’ve ever received a suspicious voicemail, email, or text message from someone purporting to be an IRS agent, you’re not alone. The U.S. Treasury Department received reports of more than 2.5 million scam calls from IRS impersonators between October 2013 and March 2021. The 16,000 victims of these cons collectively lost more than $82 million. Like most scams, seniors are often the targets.
With many of us eagerly awaiting a tax refund (or dreading a potential audit), how do we know when correspondence from the IRS is legitimate—or a scam?
Every year millions of older adults are targeted by scammers. The reasons are plentiful: Retirees are more likely to have significant financial savings, own a home, and have good credit. Seniors tend to be trusting and polite. Older adults are often less internet-savvy than their younger counterparts. And finally, elderly citizens are more likely to suffer with memory and judgment issues, making them a vulnerable target.
We’ve all been raised to have a healthy fear of the Internal Revenue Service, so it makes sense that most of us would be alarmed by a call from someone purporting to be an IRS agent. But when should these calls be taken seriously, and when are they fakes? The following four tax scams are some of the most frequently reported.
Offers to Recalculate Your Payment or Refund
In this scam, fraudsters send an email with a subject line like “recalculation of your tax refund.” The email can appear legitimate and may even display an IRS logo. It asks the recipient to click a link to provide personal information like their Social Security Number, birthdate, or mother’s maiden name.
Have you ever received a threatening letter or call from the “Bureau of Tax Enforcement?” These scammers often target their victims by threatening a tax lien or tax levy on your assets.
Scammers can be cunning and “spoof” phone numbers on your Caller ID to make it appear like they’re calling from a legitimate source. Often, these are robocalls that leave a pre-recorded voicemail threatening to arrest or deport you. They may also threaten to revoke your social security number or driver’s license if you don’t cooperate with them.
Another common scam typically comes in the form of an email offering to give you an update on your tax refund status. The goal is to trick the recipient into clicking on a malicious link to either collect personal information or expose the user’s computer to malware.
There are several simple ways to spot an IRS scammer. When someone purporting to be from the IRS contacts you, ask yourself these questions:
The IRS will always initiate contact by U.S. Postal Service first. They won’t call you without sending a letter first. Additionally, they don’t initiate contact via social media, email, or text message. If you are contacted via these methods, immediately send the message to the virtual dustbin—and do not click any links or download any attachments.
This is another red flag. The IRS only mails paper bills via the U.S. Postal Service to collect tax payments. If anyone is asking you for a credit, debit, or gift card number, it’s a scam. And if they ask for a check, make sure they want it to be made out to the U.S. Treasury, not a collections agency or some other entity.
The idea of an IRS audit is intimidating enough, but many scammers will go above and beyond to scare you into sending them money or giving up your personal information. The IRS can’t revoke your driver’s license, social security number or immigration status. Anyone making a similar threat is trying to dupe you. Don’t give them your information—and report them on the IRS scam reporting webpage.
If someone comes to your door posing as an IRS agent, ask to see their pocket commission and their HSPD-12 card. These government-issued IDs will be carried by any legitimate IRS agent. Want to know if an IRS agent is the real deal? Call the IRS at 800-366-4484.
Still aren’t sure if it’s really the IRS calling or knocking on your door? Visit the IRS website for more information.
Have you or a senior you know fallen victim to a scam? Oasis Senior Advisors is a trusted resource for seniors, their families and others who serve older adults. If you need help contacting the proper channels to report identity theft or elder fraud, contact your local advisor today.
As we move through life, we accumulate objects that tell the story of who we are and the relationships weve cherished. For seniors, these items often hold even deeper meaningeach photo, letter, and memento carries with it a lifetime of memories. But over time, these treasured possessions can become overwhelming, taking up space and creating clutter. The challenge lies in finding ways to honor these memories while maintaining a home that feels organized, peaceful, and comfortable.At A Call to Order Professional Organizers, we understand that decluttering is not just about making space; its about preserving the essence of what matters most. Our goal is to help you organize your most precious senior possessions with love and respect, creating a living environment that reflects your unique journey. In this blog, well explore how to thoughtfully organize keepsakes so that theyre both accessible and lovingly preserved for years to come.Curating Your Collection with CareWhen it comes to organizing treasured possessions, its important to approach the process with care and intention. Each item holds a memory, a connection, or a piece of history, so the goal is not to discard these items, but to thoughtfully curate a collection that truly represents your lifes most meaningful moments.Step 1: Begin with ReflectionBefore diving into the organization process, take some time to reflect on which items hold the most emotional value. Sorting through personal belongings can be a deeply emotional experience, so its essential to go at your own pace. Ask yourself: Which items make you smile when you see them? Which ones carry stories you want to share with loved ones? This initial reflection helps you identify the objects that deserve a place of honor in your home.Step 2: Categorize Your KeepsakesOnce youve selected your most precious items, its helpful to categorize them. Group similar items together, such as family photos, letters from loved ones, travel souvenirs, or heirlooms passed down through generations. This process allows you to see what you have and makes it easier to decide how to display or store them.At A Call to Order, we guide our clients through this process, helping them sort through their possessions with empathy and care. We understand that parting with certain items can be difficult, so we focus on keeping what truly matters while organizing in a way that feels manageable and comforting.Step 3: Display with PurposeFor many seniors, having their most meaningful items on display is a way to keep memories alive. Whether its a shadow box of family heirlooms, a curated photo wall, or a memory shelf filled with travel mementos, displaying items thoughtfully can bring daily joy. Consider rotating your collectionputting some keepsakes on display for a season, while safely storing others for future enjoyment. This way, your living space doesnt feel cluttered, but still reflects your lifes rich tapestry of memories.Safekeeping and Sharing Your LegacyAfter organizing your cherished possessions, its just as important to ensure their safekeeping and plan how to pass them along to future generations. Preserving your legacy can be a deeply fulfilling process, and A Call to Order can help you every step of the way.Step 1: Create a Safe Storage SystemFor items that are not on display, having an organized storage system is key to keeping them safe and accessible. Use labeled, archival-quality boxes to store fragile items like old photographs, letters, or documents. These containers are designed to protect against deterioration and ensure that your keepsakes stay in excellent condition. Be sure to label boxes or storage bins clearly so that you and your family can easily locate items when the time comes to reminisce or share memories.Step 2: Digitize Important MemoriesOne way to ensure the longevity of your precious possessions is by digitizing them. Old photos, important documents, and even handwritten letters can be scanned and saved digitally, providing peace of mind that these memories wont be lost to time. Digital copies can also be shared with family members, allowing everyone to enjoy them without the risk of losing the originals. A Call to Order can help you set up a digital archive, ensuring that your most important memories are preserved for generations to come.Step 3: Share Your Story with Loved OnesPerhaps the most rewarding aspect of organizing your treasured keepsakes is the opportunity to share your lifes journey with family and friends. Consider creating memory albums or scrapbooks for each child or grandchild, filled with photos and personal stories that reflect your time together. Not only does this preserve your legacy, but it also strengthens bonds and creates a meaningful connection between generations.Additionally, passing along family heirlooms or special possessions can be a beautiful way to keep your legacy alive. If there are items youve always intended to pass down, take the time now to write a note about the history and significance of each one. These notes add an extra layer of meaning to the heirloom, ensuring that the story behind the object is never forgotten.At A Call to Order Professional Organizers, we know that organizing your most precious senior possessions is about more than declutteringits about honoring your past, preserving your legacy, and creating a space that reflects the love and memories youve gathered over the years. With thoughtful care and personalized guidance, we help seniors curate, protect, and share their treasured keepsakes, ensuring that the essence of their lives is preserved for generations to come.Whether youre looking to display your favorite memories, create a safe storage system, or pass along cherished heirlooms to loved ones, A Call to Order is here to support you in every step of the journey. Let us help you turn your collection of treasures into a beautifully organized legacy that will be treasured by generations to come.
If you are satisfied with the clinicians at your primary care office, cherish those relationships. For many reasons, it is getting more difficult to find primary care clinicians who go the extra mile for you and your loved ones. If you are not content with your primary care team, I offer the following suggestions. First, find a clinician (physician, nurse practitioner, or physician assistant) who enjoys listening to you and your stories. The art of medicine is mostly about the art of listening.and believing what you share. Listening and understanding build trust, essential for any good relationship. Every city and small town in our country has such clinicians. Second, appreciate that young nurse practitioners and physician assistants can listen to you and help sort out your problems every bit as well as a seasoned physician who is overworked and/or approaching retirement. In my 40 + year career, Ive had the opportunity to train hundreds of NPs and PAs. They gain the knowledge, expertise, and confidence to become great providers within 9-12 months of graduating from professional schools. Often, they have more technical skills than older physicians. This works to your advantage in the following ways. Assume you have an unusual combination of symptoms. They know how to explore the Internet and rely on specialists to find the best plan of care for you. Now assume you need a steroid injection in a joint. Many NPs and PAs can provide procedures that overworked physicians never learned. Third, see the entire practice as your primary care provider. A good practice has all members working together as a team. The members include front office staff who greet you for in-person visits, medical assistants and nurses who answer your phone calls, and the clinicians who care for you in person or with tele-health visits. If you find that any team member isnt respectful, you should feel free to discuss this with the office manager. All good practices should welcome feedback. Fourth, if you have the means and value extra attention, consider a concierge practice. Unfortunately, concierge physicians are beyond the reach of the vast majority of seniors in our country. Further, we are seeing a shortage of these physicians just as we are seeing a shortage of all primary care physicians. This brings us back to my key message: you can find trust and comfort with a dedicated NP or PA. When we consider the evolution of geriatric practice over the last 4 decades, we understand that it is NPs and PAs providing the vast majority of visits in nursing homes, assisted living facilities, and in-home visits.Finally, it is important to understand the pressure and demands on your primary care office. The advent of the electronic health records in the 1990s added a massive burden to all practices. The hope (and the myth) was that EHRs would lead to higher quality medical care. The reality is that EHRs havent improved true quality. EHRs are the main reason so many good clinicians are feeling burned out. The clinicians feel they have to pay more attention to the EHR (and quality metrics) than to the patient in front of them. When you express your understanding of this dilemma to your clinical team, they greatly appreciate this. Again, building understanding and trust leads to the best quality of care and beneficial outcomes. The article was written by Dr. Don Murphy, Geriatrician and Hospice Physician who plans to run for Governor of Colorado, on behalf of. He can be reached at murphdoc@comcast.net, his cell, 720-490-6757, or his main YouTube channel, TheCrazyMurphys5560.
The greatest challenge for all who practice geriatrics is reducing polypharmacy, the addition of medications that either provide no benefit or cause harm to seniors. Millions of seniors end up on many medications that are not helping them and could be causing side effects. Geriatricians are the experts in what we call de-prescription, cutting down on unnecessary medications. The key reasons seniors end up on too many medications are the following. First, all physicians, including young geriatricians (as I was 30 years ago), have hope that newer medications will actually benefit our seniors. The four medications we have used to treat dementia turn out to provide no benefit at all. We cant appreciate this until we have been in practice for decades and know how to review all of the studies that suggest there might be some marginal benefit. Also, one must practice for many years to understand how all medications, including over-the-counter medications, can cause difficult to diagnose side effects. For the dementia medications, we had hoped that they either alleviated symptoms, delayed the onset of dementia, or slowed the progression of dementia. It takes years of practice and experience to realize that these medications fail to help our seniors. Second, many primary care clinicians (say, family medicine physicians) and specialists (say, cardiologists) tend to overvalue medical benefit for medications used for the most common conditions. The best example would be blood pressure medications. All geriatricians know that we approach frail seniors differently than we approach a robust 70-year-old or a healthy 45-year-old. Many clinicians will treat everyone the same, such as trying to keep the systolic blood pressure around 120 and the diastolic pressure around 80. Often, these pressures are simply too low for frail seniors and even for some robust seniors. The medications can cause lightheadedness, falls, and fractures (to name just a few side effects). Third, clinicians in traditional medicine often fail to appreciate the value of alternative healing and the value of the placebo effect. Lets return to medications for dementia. In recent years, we havent seen any commercials for the four medications I referred to above. Weve seen many advertisements for Prevagen and Neuriva. These medications have not been studied extensively like the four that required many studies and FDA approval. If seniors feel more comfortable on these OTC medications, its probably from the placebo effect. That is, they feel that they are at least doing something to counter the onset or progression of dementia. The cost is affordable, and these individuals dont need a prescription from their doctor. If the individual thinks Prevagen isnt helping, or may be causing side effects, he or she can stop it at any time. They dont need permission from their physician. Fourth, the pharmaceutical industry has specialized in direct-to-consumer advertising. These are entertaining and convincing ads. It doesnt matter what disease condition we are considering. Every expert in marketing knows that these creative, subliminal messages get through.and result in more prescriptions. Before sharing my suggestions for cutting down on your medications, let me share a story about Elsie, a 90-year-old woman I took care of in 1992. She was feisty and funny. She was on the 6 medications our team had prescribed for her. Benign positional vertigo was one of her conditions. One of my most memorable clinic visits was the one when Elsie reported that she followed that Harvard newsletter you gave me, Dr. Murphy, and it worked. She did this complex maneuver all on her own, and it eliminated her dizziness. Then she added, oh, and by the way, doctor, I threw all those doggone pills in the garbage.and I feel great now. So be it. This approach worked well for Elsie, but I dont recommend it for others. Here is what I suggest. First, find the courage to question your clinicians. Its not easy when you have put so much trust in your doctors recommendations. Try the soft approach. For example, you could say, Doctor, Im on a lot of medications and I worry that one of them might be causing some problems. You could mention a symptom youve been wondering about. Then you ask, could I cut down on the dose of one of these medicines to see how I do? If your physician agrees with this trial of dose reduction, you could ask which medication he or she would select to reduce the dose. Second, you continue with the honest communication you have established. You dont need to let your doctor know how you are doing a week or two later. However, you should report that you are doing fine by calling the office staff that can document your success with the dose reduction. Believe it or not, you are educating your primary care office about the value of dose reductions. Third, when you have more confidence in the dose reduction approach, you can specify which medication(s) you would eventually like to discontinue. You can share feedback youve received from family members and friends or from the research you or they have done. Ever since the 1950s we have been moving from a paternalistic approach to health care (i.e., the doctor decides everything for your health) to a more patient-centered approach to health care. This makes sense. You know whats best for your overall health, including physical, psychological, social, spiritual, and any other dimensions of health. Your clinicians job is to reflect your preferences. Dose reductions of useless or harmful medications is just part of this evolution in health care. Dr. Don Murphy, MD, FACP The article was written by Dr. Don Murphy, Geriatrician and Hospice Physician who plans to run for Governor of Colorado. He can be reached at murphdoc@comcast.net, or calling 720-490-6757, or his main YouTube channel, TheCrazyMurphys5560.