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How Seniors Can Avoid Scams

Practical Tips for Staying Safe
June 25, 2025 by
How Seniors Can Avoid Scams
Elkin Financial, Mike Elkin

If there’s one thing I’ve learned after years of working with retirees, it’s this: scammers are getting smarter—and unfortunately, seniors are often their favorite target.


Whether it’s a phone call that sounds “official,” a mailing that looks like it came from Medicare, or a friendly voice offering a free service in exchange for personal info, these scams are designed to create confusion and pressure you into giving up what they want.


Let’s be clear: you didn’t work your whole life to lose your peace of mind to a phone call.


Here are some practical, real-world tips to help you protect yourself (or your loved ones) from common scams targeting seniors—especially those related to Medicare and retirement.


🚫 1. Never Give Out Personal Information Over the Phone

Scammers will call pretending to be from Medicare, Social Security, or an insurance company. They may even have your name and address.


Here’s your rule:

Never give out your Medicare number, Social Security number, bank info, or birthdate over the phone unless you made the call to a trusted number.


If someone says they’re “just verifying your info,” hang up. Real Medicare will never ask for personal details over the phone.


📬 2. Be Skeptical of Unsolicited Mail and Emails

Some letters look official—bold logos, fake government seals, urgent messaging. If you didn’t request the information, assume it’s marketing or worse.


🚩Red flags include:


  • “You must respond immediately.”
  • Promises of “free” services or gifts in exchange for personal info.
  • Email addresses that end in .com instead of .gov for Medicare-related messages.


If it smells fishy, throw it out—or better yet, call someone you trust to review it with you. (That’s what I’m here for.)


📞 3. Register for the National Do Not Call List

While it won’t stop every scammer, it can help reduce the volume of legitimate telemarketing calls—making it easier to spot the shady ones.


You can register your number at www.donotcall.gov or call 1-888-382-1222.


Also, consider using a smartphone or landline with call blocking features or a spam filter. Many carriers offer free or low-cost protection services.

If you aren't sure, call me. If I don't know, I'll find you someone who does.

What to learn more about fraud awareness and how to avoid scams? Register for upcoming, in person seminar, free educational sessions by visiting on our events page.

How Seniors Can Avoid Scams
Elkin Financial, Mike Elkin June 25, 2025
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