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The FTC warns that scammers often target older adults. The good news: almost every scam needs you to pay in a strange way or act right now. Spot that, and you're safe.
The government imposter
A caller says they are from Social Security, Medicare or the IRS and you owe money or your benefits will stop. Government agencies don't demand payment by gift card, wire transfer or crypto, and they don't threaten arrest on the phone. Hang up and call the agency's official number yourself.
The "grandchild in trouble" call
Someone says a grandchild is in jail or hurt and needs money now, and asks you to keep it secret. Hang up and call your grandchild or a family member on a number you already know.
The tech support pop-up
A warning says your computer is infected and gives a number to call. Real companies don't do this. Close the browser and never let a stranger take control of your computer.
The prize you never entered
You can't win a sweepstakes you didn't enter, and real prizes never need a fee. See our guide to fake sweepstakes red flags.
The one rule
If anyone asks you to pay with a gift card, wire transfer, crypto or cash by courier, it is a scam. Every time.
Report it
- ReportFraud.ftc.gov
- AARP Fraud Watch Network helpline: 877-908-3360 (free, for anyone)