Keep Your Money Safe – Scams and How They Work

Pennsylvania Link is not just a program; it's a movement committed to improving access to long-term care supports through an integrated network of partners dedicated to expanding community-based solutions. With a focus on promoting consumer-directed decision-making, enhancing efficiency, and elevating the quality of service, Pennsylvania Link is transforming the landscape of care for residents across all 67 counties. The Aging and Disability Resource Centers (ADRC), also known as PA Link for Pennsylvania, is designed to offer a seamless approach for seniors and adults with disabilities seeking assistance with activities of daily living. PA Link is not just a service provider; it's a lifeline for those navigating the complex terrain of care services. PA Link has woven a web of collaborative Partners with local professionals and organizations, to improve the navigation of care services. This integrated network ensures that individuals receive the support they need, regardless of age, physical/developmental disability, or ability to pay. Through cross-training and information sharing, PA Link is breaking down barriers, reducing duplication, and responding to the diverse needs of its community. No Wrong Door: A Statewide Gateway to Assistance PA Link provides a lifeline for those seeking assistance through its free statewide number 1-800-753-8827. Trained counselors stand ready to guide residents through identifying services, determining eligibility, and seamlessly navigating the application process. It's a "no wrong door" approach, ensuring everyone has a clear and direct path to the information and support they need. Personalized Pathways with Person-Centered Counseling In addition, PA Link offers Person-Centered Counseling (PCC). This free counseling and assistance program takes a detailed approach, crafting plans tailored to individual needs, values, and preferences. PCC sets dates, deadlines, and follow-ups to ensure success, making it a beacon of support for those in need. Join the Movement: Pennsylvania Link  Pennsylvania Link to Aging and Disability Resource Centers has helped thousands with their seamless and thoughtful approach to finding care and resources! All PA Link services are FREE and anyone can call! To see how PA Link can assist you or to join the initiative, visit the PA Link Website at https://berkslancasterlebanonlink.org/,  or call the statewide PA Link Call Center at 1-800-753-8827.

Scammers are increasingly adopting new methods to deceive unsuspecting victims, especially older adults. One of the latest threats is AI-generated voice fraud, also known as vishing (voice phishing). These scams use sophisticated AI technology to create highly realistic voices that mimic trusted individuals or organizations.Lets talk about what you should do if you receive such a call and how to protect your sensitive information.Understanding AI-Generated Voice FraudAs mentioned, scammers perform AI-generated voice fraud using synthetic voices that sound convincingly like a family member, friend, or legitimate entity such as a bank or government agency. These calls can be exceptionally persuasive and dangerous since the synthetic voices replicate the speech patterns and tone of the impersonated individuals. Additionally, fraudsters can manipulate caller ID to make it look like the call is coming from a trusted source when it is not.Common Tactics Used in AI-Generated Fraud CallsBe on alert for the following AI-generated fraud calls:Impersonation of Family Members: Scammers may claim to be a relative in urgent need of money due to an emergency. The voice will sound distressingly familiar, making it easy to fall for the ploy.Bank Representative Scams: Fraudsters impersonate bank representatives, asking for account details or prompting money transfers to secure accounts.Tech Support Scams: Callers pose as tech support from reputable companies, convincing victims to grant remote access to their computers or pay for unnecessary services.Government Agency Impersonation: They may mimic officials from agencies like the IRS or Social Security Administration, threatening legal action or demanding immediate payment of fines or taxes.Utility and Phone Company Scams: Fraudsters imitate representatives from utilities or phone companies, claiming issues with the account and requesting payment or personal details to resolve them.Steps to Take If You Receive a Suspicious CallSo, what should you do if you receive such calls that are highly convincing? Here are some essential steps to take:Stay Calm and Dont Panic: Scammers often create a sense of urgency to pressure you into making quick decisions.Verify the Callers Identity: If the caller claims to be a family member, ask specific questions only that person would know. If the caller claims to be from a legitimate organization, hang up and call the organizations official number to verify.Never Share Personal Information: Legitimate entities like the bank or the government will never ask for sensitive information over the phone. Do not provide personal, financial, or account details to the caller.Report the Call: Report the incident to your bank, local authorities, or the Federal Trade Commission (FTC). This helps to alert others and potentially track down the scammers.Educate Yourself and Others: Stay informed about the latest scam tactics and share this information with friends and family. Awareness is a key defense against fraud.If you need assistance or have concerns about potential scams, dont hesitate to seek help. At The Oberon House in Arvada, CO, we prioritize the safety and security of our residents. Contact us today to ensure your loved ones are in a safe space 303-420-7258!

Online shopping has become a convenient way for seniors to purchase everything from groceries to gifts. However, with the rise in online transactions, theres also an increase in scams targeting older adults. These scams can lead to significant financial loss and personal information breaches.Heres how seniors can recognize these scams and shop online with confidence.Recognizing Common Online Shopping ScamsThe first step to avoiding online shopping scams is to be aware of them. Here are a few common ones: Phishing Scams: These involve fraudulent emails or messages that appear to be from legitimate companies and ask for personal or financial information. These emails often contain links to fake websites designed to steal sensitive data. Fake Online Stores: Scammers create fake websites resembling legitimate online stores to lure shoppers. These sites may offer products at unusually low prices or request personal information to complete a purchase. Auction Scams: Online auction scams involve sellers who promise goods at a bargain but deliver nothing or send counterfeit items. The payment is often requested via unconventional methods, which can be challenging to trace. Identity Theft: Fraudsters may use online shopping sites to collect personal information such as Social Security numbers, credit card details, or addresses, which they can then use for identity theft.Tips for Safe Online ShoppingHere are some practical tips for seniors to ensure a safe online shopping experience:Verify the WebsiteBefore making a purchase, verify if the website is legitimate. Look for indicators such as a secure connection (check for https in the URL), a physical address, and contact information. Avoid sites with poor design, numerous pop-ups, or spelling errors, which can be red flags for scams.Use Trusted RetailersShop from well-known and reputable retailers. Major retailers and established online stores have security measures to protect customer information. If unsure about a lesser-known site, research reviews and ratings before proceeding.Check for Reviews and RatingsReading reviews and ratings from other customers can help determine the reliability of a website or product. Look for reviews on independent platforms and avoid those that seem overly positive or generic.Protect Personal InformationShare personal or financial information only through secured channels or with familiar websites. Legitimate retailers will not ask for sensitive details via email or social media. Be cautious of requests for personal information or payment methods outside standard practices.Use Secure Payment MethodsUse secure payment methods such as credit cards or well-known payment services (e.g., PayPal) when making purchases. These methods offer fraud protection and can help resolve disputes if there are issues with the transaction.Monitor Your AccountsCheck your bank and credit card statements regularly for unauthorized transactions. Promptly report any suspicious activity to your bank to minimize potential damage.Keep Software UpdatedEnsure that your computer, smartphone, and security software are up-to-date. Regular updates help protect against malware, viruses, and other cyber threats that could compromise your personal information.Seek Help If NeededIf youre unsure about an online transaction or encounter a suspicious website, seek help from a trusted family member or friend. They can help verify the sites legitimacy or offer guidance on safe shopping practices.Online shopping can offer convenience and accessibility, but its important to remain vigilant amidst scams. At The Oberon House in Arvada, CO, were dedicated to helping our community navigate these challenges and ensuring secure and enjoyable experiences. Contact us today to learn more 303-420-7258.