Crime Prevention and Safety
- Lock your doors and windows.
- If someone is at the door, see who it is before opening the door. Ask strangers to give their names and show you I.D's.
- Be very careful of whom you let in your home. Never allow a stranger in your home, even if they appear to be in distress or with a young child.
- Never agree to have work done on your home without getting at least three written estimates from reputable contractors whose identities and addresses have been checked.
- Never leave mail in your mailbox for the mail carrier to collect.
- Make a list of expensive items (jewelry, etc.). Take a picture of these items and store the details in a safe place.
- When walking to and from a store, always be aware of who is around you. Do not leave a purse or handbag trailing from your arm or shoulder.
- Don't keep large amounts of cash on hand.
- Don't take money from your bank account just because someone tells you to.
- Never give out personal details such as your bank account number, Social Security number or credit card number to any person over the telephone.
- Check your bank statement carefully each month. If you have a trusted adult child, consider asking your bank to send a duplicate copy of the statement to that child so that another pair of eyes can check that there is no suspicious activity on your account.
- Buy a shredder and shred all unused credit card applications.
- Ask your bank to call you if any check over a certain amount is ever presented to that branch for payment.
- Beware of family members persuading you to sign deeds or assets over to them.
- Keep your checkbook and spare checks in a safe place.
- If someone calls you, (e.g., a telemarketer), don't be afraid to hang up on them.
- Stay away from deals that sound "too good to be true".
- Beware of deals that ask for a lot of money up front and promise sure success.
- Don't be taken in by miracle cures for health problems.
- Do not agree to send money at the request of a telephone solicitor.
- Here are some examples of common scams:
- BOGUS CHARITIES - The senior is approached either at the door or by telephone with a request to donate to a legitimate sounding charity. Be very wary of such calls. Many so-called charities are bogus and the money is diverted directly into the pockets of the crooks.
- HOME IMPROVEMENT SCAMS - The senior is approached normally by at least two individuals posing as contractors. The unsuspecting victim is persuaded that a roof, driveway or home needs repairs. The strangers pretend to carry out the work, which is in fact, shoddy and almost worthless.
- THEFTS FROM WITHIN THE HOME - The senior
is approached at the door by at least two
individuals who use a ruse to enter the
senior's home. Such ruses are a request to
use the telephone or to get a glass of
water. Once inside, one of the individuals
will keep the senior occupied while the
other individual rummages through the
senior's personal belongings to steal cash and jewelry.
- BANK INVESTIGATOR SCHEME - The senior is contacted outside their bank or by telephone by a stranger who identifies himself as a member of law enforcement. The stranger asks for the senior's help in catching a dishonest bank employee. The senior is persuaded to go inside the bank to a particular teller window and withdraw a large sum of cash and then meet the "official" outside. Once the senior hands over the cash, the stranger disappears with the money.
- SWEEPSTAKES SCAM - The senior receives a call either from Canada or from another part of the USA. The caller explains that the senior has won a substantial prize, but to collect that price, the senior must first send a money order for up to $4,000 by express mail.
Elder Financial Abuse
Financial or material exploitation is defined as the illegal or improper use of an elder/dependent adult's funds, property, or assets. Examples include:
- Cashing an elder/dependent adult's checks without authorization/permission
- Forging an elder/dependent adult's signature
- Misusing or stealing an elder/dependent adult's money or possessions
- Coercing or deceiving an elder/dependent adult into signing any document (e.g., contracts or will)
- Misusing conservatorship, guardianship, or power of attorney.
Signs and symptoms of financial or material exploitation include (but are not limited to):
- Sudden changes in bank account or banking practice, including an unexplained withdrawal of large sums of money by a person accompanying the elder/dependent adult
- The inclusion of additional names on an elder/dependent adult's bank signature card
- Unauthorized withdrawal of the elder/dependent adult's funds using their ATM card
- Abrupt changes in a will or other financial documents
- Unexplained disappearance of funds or valuable possessions
- Substandard care being provided or bills unpaid despite the availability of adequate financial resources
- Discovery of an elder/dependent adult's signature being forged for financial transactions or for the titles of his/her possessions
- Sudden appearance of previously uninvolved relatives claiming their rights to an elder/dependent adult's affairs and possessions
- Unexplained sudden transfer of assets to a family member or someone outside the family
- The provision of services that are not necessary
- An elder/dependent adult's report of financial exploitation