Your Loved One Is At Risk of Online Fraud

A new research report from AARP highlights several gaps in how older adults navigate the online world, leaving them more vulnerable to fraud.

While many older adults are taking important steps, such as using multi-factor authentication, there are still critical areas where protection falls short.

One of the concerns they brought up is the use of the same password for multiple accounts. The research found that only about one-third of adults (35%) use a unique password for every online account.

When the same password is reused, a single data breach can give scammers access to multiple accounts. Using different passwords helps contain the damage if one account is compromised.

Another concern is public WiFi use. Many older adults (60%) don't use a virtual private network, or VPN, when connecting to public WiFi.

This matters because public networks, such as those in coffee shops, hotels, or airports, are often unsecured.

This means that information sent over these networks can sometimes be intercepted by others on the same connection.

There are also risks tied to everyday communication habits. A notable share of older adults still answer calls (21%) or texts (10%) from unknown numbers, or accept friend requests on social media (13%) from people they do not know. These behaviors can open the door to common scams.

For example, IRS tax scams often involve someone pretending to be from the government, claiming taxes are owed and demanding immediate payment.

Romance scams, on the other hand, involve scammers building emotional relationships online in order to gain trust and eventually ask for money.

Social media activity can also create exposure. About half of older adults report taking online quizzes or surveys (50%) or downloading free apps (48%).

While these may seem harmless, they can collect personal information or install malicious software without the user realizing it.

What Can Caregivers Do To Protect Their Care Recipients

1. Use strong and unique passwords

They can consider using password managers, which store and organize passwords securely.

These tools can also generate strong, unique passwords and allow users to easily copy and paste them when logging into accounts.

However, it is important to understand that no system is completely risk-free, and password managers can be targeted by hackers.

If they are concerned about security or prefer something simpler, a written password list kept in a safe, secure place at home can be a practical option.

If you go this route, make sure there is a backup copy stored in a separate secure location in case the original is lost or damaged.

2. Download or subscribe to a VPN service

A VPN adds a layer of protection by encrypting your internet activity. In simple terms, it scrambles your data so that even if someone manages to intercept it, they cannot read or understand it.

When choosing a VPN, look for services that have clear privacy policies, and do not track or sell user data.

It is also helpful to choose one that works automatically in the background, especially if your loved one is not comfortable managing settings.

Avoid free VPNs when possible, as some may collect and sell user data.

This blog can be a good starting point to learn about the things to consider when purchasing a VPN.

3. Educate and have a system in place

Having open, ongoing conversations about scams is one of the most effective ways to prevent fraud.

Let your loved one know that organizations like the IRS do not call to demand payment or personal information.

Remind them to avoid answering calls or texts from unknown numbers, accepting friend requests from strangers, or returning suspicious voicemails.

It can also help to create a simple rule: before sending money, sharing personal information, or responding to an unexpected request, they should check with you first.

This small pause can prevent costly mistakes.

4. Limit exposure and simplify their digital environment

Reducing risk is not just about adding protections, it is also about limiting opportunities for scams.

You can help by adjusting privacy settings on social media, removing unnecessary apps, and unsubscribing from unfamiliar emails or services.

Encourage them to avoid online quizzes, surveys, or “free” downloads that ask for personal information.

If possible, set up devices so that updates happen automatically. Software updates often include important security fixes that protect against new threats.

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