The document discusses elder financial abuse, providing statistics showing that millions of older Americans fall victim to identity theft and financial fraud each year. It defines elder financial abuse and outlines how it can occur through mail, computer, phone, television/radio, or in person. Common scams and signs of abuse are described. The document provides tips for older adults and caregivers to avoid and report financial abuse and lists helpful resources for further information or assistance.
Scamming of the elderly is a widespread problem that can have serious physical, emotional, and financial consequences. Financial scams targeting seniors have become increasingly common due to the perception that they have significant assets and scams often go unreported. Common types of scams include medical/health insurance fraud, counterfeit prescription drugs, and telemarketing/phone scams. Families need to educate their elderly loved ones on how to protect themselves from scams and what steps to take if they have been victimized, such as filing a police report, reviewing accounts for suspicious activity, and contacting agencies that provide assistance to seniors.
Scammers will stop at nothing to get what they want, and seniors and the disabled are common prey for scam artists. Here are few tips and helpful resources to prevent scams and fraud.
Protect your Pocketbook Tips to Avoid Financial Exploitation- Mark - Fullbright
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
These PowerPoint presentations are intended for use by crime prevention practitioners who bring their experience and expertise to each topic. The presentations are not intended for public use or by individuals with no training or expertise in crime prevention. Each presentation is intended to educate, increase awareness, and teach prevention strategies. Presenters must discern whether their audiences require a more basic or advanced level of information.
NCPC welcomes your input and would like your assistance in tracking the use of these topical presentations. Please email NCPC at trainings@ncpc.org with information about when and how the presentations were used. If you like, we will also place you in a database to receive updates of the PowerPoint presentations and additional training information. We encourage you to visit www.ncpc.org to find additional information on these topics. We also invite you to send in your own trainer notes, handouts, pictures, and anecdotes to share with others on www.ncpc.org.
Don Rudisuhle's 2016 presentation for 28th Annual Conference of the Colorado Organization for Victim Assistance in Keystone Colorado: Elder Financial Abuse: An Advocate's Guide to Proactive Intervention
Don Rudisuhle's 2016 presentation at the 28th Annual Conference of the Colorado Organization for Victim Assistance (COVA) Elder Financial Abuse: An Advocate's Guide to Proactive Intervention
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use
Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
Don rudisuhle 2019_no_coacfe_post-presentationDon Rudisuhle
A two-hour continuing education training session about investigating elder financial exploitation presented for Certified Fraud Examiners at the Northern Colorado Chapter of the Association of Certified Fraud Examiners.
Scamming of the elderly is a widespread problem that can have serious physical, emotional, and financial consequences. Financial scams targeting seniors have become increasingly common due to the perception that they have significant assets and scams often go unreported. Common types of scams include medical/health insurance fraud, counterfeit prescription drugs, and telemarketing/phone scams. Families need to educate their elderly loved ones on how to protect themselves from scams and what steps to take if they have been victimized, such as filing a police report, reviewing accounts for suspicious activity, and contacting agencies that provide assistance to seniors.
Scammers will stop at nothing to get what they want, and seniors and the disabled are common prey for scam artists. Here are few tips and helpful resources to prevent scams and fraud.
Protect your Pocketbook Tips to Avoid Financial Exploitation- Mark - Fullbright
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
These PowerPoint presentations are intended for use by crime prevention practitioners who bring their experience and expertise to each topic. The presentations are not intended for public use or by individuals with no training or expertise in crime prevention. Each presentation is intended to educate, increase awareness, and teach prevention strategies. Presenters must discern whether their audiences require a more basic or advanced level of information.
NCPC welcomes your input and would like your assistance in tracking the use of these topical presentations. Please email NCPC at trainings@ncpc.org with information about when and how the presentations were used. If you like, we will also place you in a database to receive updates of the PowerPoint presentations and additional training information. We encourage you to visit www.ncpc.org to find additional information on these topics. We also invite you to send in your own trainer notes, handouts, pictures, and anecdotes to share with others on www.ncpc.org.
Don Rudisuhle's 2016 presentation for 28th Annual Conference of the Colorado Organization for Victim Assistance in Keystone Colorado: Elder Financial Abuse: An Advocate's Guide to Proactive Intervention
Don Rudisuhle's 2016 presentation at the 28th Annual Conference of the Colorado Organization for Victim Assistance (COVA) Elder Financial Abuse: An Advocate's Guide to Proactive Intervention
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use
Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
Don rudisuhle 2019_no_coacfe_post-presentationDon Rudisuhle
A two-hour continuing education training session about investigating elder financial exploitation presented for Certified Fraud Examiners at the Northern Colorado Chapter of the Association of Certified Fraud Examiners.
Identity theft is the #1 consumer complaint filed with the Federal Trade Commission for 14 consecutive years. All age and socio-economic groups are affected by Identity theft. This problem is affecting a younger demographic, affecting the workplace productivity of their parents.
Watch this presentation, get educated, and find out how you can avoid identity theft.
Hidden Risks and Mistakes to Avoid in Estate and Long-Term Care PlanningMelinda Merk
Co-presented with Buckley Kuhn Fricker on 11/4/17. Discusses the importance of pre-planning vs. crisis planning, and focuses on 3 key goals of estate and long-term care planning, which lead to Peace Of Mind, Protecting and Preserving Wealth, and Family Harmony: 1) maintaining control and protecting assets during life, including incapacity; 2) efficient and orderly wealth transfer at death; and 3) protecting beneficiaries from others and themselves.
This document discusses the hidden problem of elder financial abuse. It notes that 83% of financial institutions suspect elderly client financial exploitation, most often by relatives. Common types of exploitation include forgery, misappropriation of funds, and power of attorney abuse. The document provides clues for identifying financial exploitation and outlines steps victims and witnesses can take to report abuse, including contacting adult protective services or an elder law attorney. Overall, the document aims to raise awareness of elder financial abuse and provide resources for victims.
During this workshop, Mr. Taylor will be discussing
how this growing crime is affecting individuals, families and small businesses.
Never before has there been a greater need for understanding identity theft and its impact.
In the workshop you will:
• Learn what ID Theft is and how to minimize the devastating effects
• Be introduced to the major types of identity theft
• Learn how to better protect personal and small business information
• Learn about restoration services and credit monitoring plans
Dr. Barbara O'Neill and Carol Kando-Pineda, of the Federal Trade Commission, will present this 90-minute webinar on behalf of the Military Families Learning Network. This 90-minute webinar will include two sections: a general overview of identity theft and discussion about military-specific scams. Topics covered during the first section, presented by Dr. O’Neill, include a definition of identity theft, signs of identity theft, an identity theft risk assessment quiz, types of identity theft, how identity theft occurs, ways to reduce identity theft risk, phishing scams, proactive and reactive identity theft actions, and identity theft resources. Ms. Kando-Pineda plans to discuss getting help for identity theft victims, including the steps they need to take immediately, walking through the new features for consumers on Identitytheft.gov and how they help victims develop a recovery plan, get a heads-up on the latest “imposter” scams, and an update on the Military Consumer campaign and new resources on the way for the military community.
These PowerPoint presentations are intended for use by crime prevention practitioners who bring their experience and expertise to each topic. The presentations are not intended for public use or by individuals with no training or expertise in crime prevention. Each presentation is intended to educate, increase awareness, and teach prevention strategies. Presenters must discern whether their audiences require a more basic or advanced level of information.
NCPC welcomes your input and would like your assistance in tracking the use of these topical presentations. Please email NCPC at trainings@ncpc.org with information about when and how the presentations were used. If you like, we will also place you in a database to receive updates of the PowerPoint presentations and additional training information. We encourage you to visit www.ncpc.org to find additional information on these topics. We also invite you to send in your own trainer notes, handouts, pictures, and anecdotes to share with others on www.ncpc.org.
The Ultimate Financial Fraud Examination & Prevention ChecklistVeriti Consulting LLC
Did you know between 12.5 and 15 percent of the population are victims of financial fraud every year? Get the important facts about prevention and detection.
Veriti Consulting LLC provides various fraud and forensic accounting services for individuals and businesses across the United States. Veriti is also a licensed private investigation agency. If you would like to learn more about the types of fraud and forensic investigative services we offer click here or call 855.232.4410.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This document discusses identity theft, including:
1) A brief history of data breaches at Equifax, highlighting failures to install security patches that led to the theft of personal information of over 145 million consumers.
2) The challenges identity theft victims face in recovering, including stressful processes to stop damage, report crimes, and repair credit, which can cause emotional distress.
3) Tips for businesses to protect customer information, know applicable laws regarding data breaches and identity theft, and respond appropriately to security incidents by notifying affected individuals and credit bureaus.
During this workshop, Mr. Taylor will be discussing
how this growing crime is affecting individuals, families and small businesses.
Never before has there been a greater need for understanding identity theft and its impact.
In the workshop you will:
• Learn what ID Theft is and how to minimize the devastating effects
• Be introduced to the major types of identity theft
• Learn how to better protect personal and small business information
• Learn about restoration services and credit monitoring plans
This presentation discusses consumer fraud and scams that often target seniors. It defines consumer fraud and notes that seniors account for a large percentage of fraud victims despite being a smaller portion of the population. Various common scams are described such as sweepstakes and lottery scams, charity scams, identity theft, caretaker crimes, and health and funeral fraud. Warning signs of fraud are provided and steps seniors can take to protect themselves are outlined, including verifying identities, resisting pressure to act quickly, and reporting fraud.
This document discusses protecting personal identity in the age of increased information tracking. It outlines the risks of identity theft, how thieves steal identities, and statistics on identity theft victims. Key points include that identity theft costs the US economy an estimated $100 billion annually, 47% of victims in 2015 experienced tax or wage-related identity theft, and children and the elderly are particularly vulnerable targets. The document provides tips on reducing identity theft risks and resolving identity theft issues.
The document summarizes the key points from a presentation on elder financial fraud given to healthcare professionals. It shows the results of polls given to audience members to gauge their knowledge and experiences with elder financial abuse. Many were unaware of their obligation to report suspected abuse. They learned that 1 in 5 elders have been victimized, and it can negatively impact their health. Common perpetrators were discussed. Case studies demonstrated what constitutes fraud. Resources for reporting and getting help for victims were provided. The presentation aimed to increase awareness and reporting of elder financial exploitation.
This document discusses financial scams that target the elderly population. Over 90% of elder abuse is committed by family members, and seniors lose $2.6 billion per year to scams. Scams disproportionately affect the elderly because they are more vulnerable, lack education on scams, and value family relationships. If preventative measures are not implemented, scams will continue rising with advancing technology. Prevention efforts include increasing individual and family awareness, advocating for legislation against scams, and promoting the health of seniors.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Presented to NALS Philadelphia in September, 2017. This presentation explores common data security risks and discusses basic steps you can take to protect yourself. Includes a quick review of Equifax, Experian, and TransUnion recent breaches.
Don Rudisuhle CFE 2011 Presentation at COVA Annual ConferenceDon Rudisuhle
Slides from a presentation on financial exploitation of the elderly delivered by Certified Fraud Examiner Don Rudisuhle at the 23rd Annual Conference of the Colorado Organization for Victim Assistance in Keystone, Colorado on October 18, 2011.
Elder Investment Fraud and Financial Exploitation - Patient EducationINInvestWatch
This document discusses the importance of protecting older adults from elder investment fraud. It notes that financial vulnerability can increase with age due to health and cognitive declines. The population of older adults at risk is large and growing. It provides resources for organizations that help educate and protect seniors from financial exploitation.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
More Related Content
Similar to financial_abuse_-_get_involved_get_safe_presentation_v_2.2.1.ppsx
Identity theft is the #1 consumer complaint filed with the Federal Trade Commission for 14 consecutive years. All age and socio-economic groups are affected by Identity theft. This problem is affecting a younger demographic, affecting the workplace productivity of their parents.
Watch this presentation, get educated, and find out how you can avoid identity theft.
Hidden Risks and Mistakes to Avoid in Estate and Long-Term Care PlanningMelinda Merk
Co-presented with Buckley Kuhn Fricker on 11/4/17. Discusses the importance of pre-planning vs. crisis planning, and focuses on 3 key goals of estate and long-term care planning, which lead to Peace Of Mind, Protecting and Preserving Wealth, and Family Harmony: 1) maintaining control and protecting assets during life, including incapacity; 2) efficient and orderly wealth transfer at death; and 3) protecting beneficiaries from others and themselves.
This document discusses the hidden problem of elder financial abuse. It notes that 83% of financial institutions suspect elderly client financial exploitation, most often by relatives. Common types of exploitation include forgery, misappropriation of funds, and power of attorney abuse. The document provides clues for identifying financial exploitation and outlines steps victims and witnesses can take to report abuse, including contacting adult protective services or an elder law attorney. Overall, the document aims to raise awareness of elder financial abuse and provide resources for victims.
During this workshop, Mr. Taylor will be discussing
how this growing crime is affecting individuals, families and small businesses.
Never before has there been a greater need for understanding identity theft and its impact.
In the workshop you will:
• Learn what ID Theft is and how to minimize the devastating effects
• Be introduced to the major types of identity theft
• Learn how to better protect personal and small business information
• Learn about restoration services and credit monitoring plans
Dr. Barbara O'Neill and Carol Kando-Pineda, of the Federal Trade Commission, will present this 90-minute webinar on behalf of the Military Families Learning Network. This 90-minute webinar will include two sections: a general overview of identity theft and discussion about military-specific scams. Topics covered during the first section, presented by Dr. O’Neill, include a definition of identity theft, signs of identity theft, an identity theft risk assessment quiz, types of identity theft, how identity theft occurs, ways to reduce identity theft risk, phishing scams, proactive and reactive identity theft actions, and identity theft resources. Ms. Kando-Pineda plans to discuss getting help for identity theft victims, including the steps they need to take immediately, walking through the new features for consumers on Identitytheft.gov and how they help victims develop a recovery plan, get a heads-up on the latest “imposter” scams, and an update on the Military Consumer campaign and new resources on the way for the military community.
These PowerPoint presentations are intended for use by crime prevention practitioners who bring their experience and expertise to each topic. The presentations are not intended for public use or by individuals with no training or expertise in crime prevention. Each presentation is intended to educate, increase awareness, and teach prevention strategies. Presenters must discern whether their audiences require a more basic or advanced level of information.
NCPC welcomes your input and would like your assistance in tracking the use of these topical presentations. Please email NCPC at trainings@ncpc.org with information about when and how the presentations were used. If you like, we will also place you in a database to receive updates of the PowerPoint presentations and additional training information. We encourage you to visit www.ncpc.org to find additional information on these topics. We also invite you to send in your own trainer notes, handouts, pictures, and anecdotes to share with others on www.ncpc.org.
The Ultimate Financial Fraud Examination & Prevention ChecklistVeriti Consulting LLC
Did you know between 12.5 and 15 percent of the population are victims of financial fraud every year? Get the important facts about prevention and detection.
Veriti Consulting LLC provides various fraud and forensic accounting services for individuals and businesses across the United States. Veriti is also a licensed private investigation agency. If you would like to learn more about the types of fraud and forensic investigative services we offer click here or call 855.232.4410.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This document discusses identity theft, including:
1) A brief history of data breaches at Equifax, highlighting failures to install security patches that led to the theft of personal information of over 145 million consumers.
2) The challenges identity theft victims face in recovering, including stressful processes to stop damage, report crimes, and repair credit, which can cause emotional distress.
3) Tips for businesses to protect customer information, know applicable laws regarding data breaches and identity theft, and respond appropriately to security incidents by notifying affected individuals and credit bureaus.
During this workshop, Mr. Taylor will be discussing
how this growing crime is affecting individuals, families and small businesses.
Never before has there been a greater need for understanding identity theft and its impact.
In the workshop you will:
• Learn what ID Theft is and how to minimize the devastating effects
• Be introduced to the major types of identity theft
• Learn how to better protect personal and small business information
• Learn about restoration services and credit monitoring plans
This presentation discusses consumer fraud and scams that often target seniors. It defines consumer fraud and notes that seniors account for a large percentage of fraud victims despite being a smaller portion of the population. Various common scams are described such as sweepstakes and lottery scams, charity scams, identity theft, caretaker crimes, and health and funeral fraud. Warning signs of fraud are provided and steps seniors can take to protect themselves are outlined, including verifying identities, resisting pressure to act quickly, and reporting fraud.
This document discusses protecting personal identity in the age of increased information tracking. It outlines the risks of identity theft, how thieves steal identities, and statistics on identity theft victims. Key points include that identity theft costs the US economy an estimated $100 billion annually, 47% of victims in 2015 experienced tax or wage-related identity theft, and children and the elderly are particularly vulnerable targets. The document provides tips on reducing identity theft risks and resolving identity theft issues.
The document summarizes the key points from a presentation on elder financial fraud given to healthcare professionals. It shows the results of polls given to audience members to gauge their knowledge and experiences with elder financial abuse. Many were unaware of their obligation to report suspected abuse. They learned that 1 in 5 elders have been victimized, and it can negatively impact their health. Common perpetrators were discussed. Case studies demonstrated what constitutes fraud. Resources for reporting and getting help for victims were provided. The presentation aimed to increase awareness and reporting of elder financial exploitation.
This document discusses financial scams that target the elderly population. Over 90% of elder abuse is committed by family members, and seniors lose $2.6 billion per year to scams. Scams disproportionately affect the elderly because they are more vulnerable, lack education on scams, and value family relationships. If preventative measures are not implemented, scams will continue rising with advancing technology. Prevention efforts include increasing individual and family awareness, advocating for legislation against scams, and promoting the health of seniors.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Presented to NALS Philadelphia in September, 2017. This presentation explores common data security risks and discusses basic steps you can take to protect yourself. Includes a quick review of Equifax, Experian, and TransUnion recent breaches.
Don Rudisuhle CFE 2011 Presentation at COVA Annual ConferenceDon Rudisuhle
Slides from a presentation on financial exploitation of the elderly delivered by Certified Fraud Examiner Don Rudisuhle at the 23rd Annual Conference of the Colorado Organization for Victim Assistance in Keystone, Colorado on October 18, 2011.
Elder Investment Fraud and Financial Exploitation - Patient EducationINInvestWatch
This document discusses the importance of protecting older adults from elder investment fraud. It notes that financial vulnerability can increase with age due to health and cognitive declines. The population of older adults at risk is large and growing. It provides resources for organizations that help educate and protect seniors from financial exploitation.
Similar to financial_abuse_-_get_involved_get_safe_presentation_v_2.2.1.ppsx (20)
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
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Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
1. Get Involved, Get Safe – Stop Elder Financial Abuse
Get
Involved,
Get Safe
Stop Elder Financial
Abuse
2. Get Involved, Get Safe – Stop Elder Financial Abuse
THE STATISTICS
• According to the Bureau of Justice Statistics National Crime
Victimization Survey, in 2014, 2.6 million persons over age 65 were
victims of identity theft.
• Over 13% of older Americans are a victim of financial fraud yearly.
• Only 1 in 44 cases of Financial Abuse is reported.
• Seniors with cognitive incapacity suffer greater economic loss.
2
4. Get Involved, Get Safe – Stop Elder Financial Abuse 4
What is Elder
Financial Abuse?
Get Involved, Get Safe
5. Get Involved, Get Safe – Stop Elder Financial Abuse 5
• Through the mail
• On the computer
• On the phone
• On TV or radio
• In person
HOW DOES FINANCIAL
ABUSE OCCUR?
6. Get Involved, Get Safe – Stop Elder Financial Abuse 6
Mass mailings:
• Mail scams:
“You have won the lottery”
“You have won a prize”
“You may receive a check”
“You have won money”
• Fake charities asking for money
• Free lunch investment seminars
• Psychic scams
THROUGH THE MAIL
7. Get Involved, Get Safe – Stop Elder Financial Abuse 7
• Phishing scams – official-looking
emails, ads, or pop up messages
designed to trick you into clicking them.
DO NOT CLICK these emails!
• They may install a virus on your
computer or take you to a false website
to capture your personal data.
• Other online scams:
online dating or Facebook scams
work at home or investment scams
lottery scams and more
ON THE COMPUTER
8. Get Involved, Get Safe – Stop Elder Financial Abuse 8
• IRS/Treasury Department scam calls
– the IRS or Treasury Department
will not contact you by phone if you
are late or have not paid taxes.
These are impostors!
• The Grandparent Scam – a fake call
from a grandchild, nephew, niece
etc. saying they are in trouble and
need money
• Telemarketers – repetitive, high
pressure calls sometimes with scare
tactics
ON THE PHONE
9. Get Involved, Get Safe – Stop Elder Financial Abuse 9
• Products with large shipping or
handling charges
• Products sold that are frequently
fake:
Quick weight loss products
Fraudulent mortgage ads
ON TV OR RADIO
10. Get Involved, Get Safe – Stop Elder Financial Abuse 10
• Door-to-door repairs or sales
• Family
• Investment Fraud
• Guardian/Conservator or POA
• Lawyers
• Medical/caregivers
• A transaction using a credit card
• Check fraud
IN PERSON
11. Get Involved, Get Safe – Stop Elder Financial Abuse 11
• Family, friends, neighbors or
acquaintances
• Professionals, such as lawyers,
doctors, financial advisors, clergy,
caregivers, guardians, etc.
• Strangers such as a telemarketer or
door to door sales or repair person,
new love interest, TV or radio
announcers
WHO ARE THE
FINANCIAL ABUSERS?
12. Get Involved, Get Safe – Stop Elder Financial Abuse 12
• This is when more than one type of
abuse is occurring.
• For example, a family member
physically abuses an older adult
when he refuses to cooperate with a
demand for money.
HYBRID FINANCIAL ABUSE
13. Get Involved, Get Safe – Stop Elder Financial Abuse 13
• Reluctance to end the abuse due to
ties to the abuser (friend or family
member), fear of retaliation, shame,
dependency on the abuser for
assistance, health care, or for
economic reasons
• Physical and emotional suffering
• Losses – money, time, retirement
income, homes/residence, self
esteem, inability to provide for
oneself
COMPLICATIONS
14. Get Involved, Get Safe – Stop Elder Financial Abuse 14
• Unpaid bills, a large amount of junk
mail, sizable bank withdrawals or
unusual credit card activity
• Caregiver/family not providing for
the older adult
• Changes in personality, demeanor,
hygiene, self care
• Missing valuables
• Unusual new friends, new names on
accounts
• Phone rings constantly
SIGNS OF FINANCIAL
ABUSE
15. Get Involved, Get Safe – Stop Elder Financial Abuse 15
• Unusual changes in a will or
beneficiary
• Social Isolation, abuser “speaks” for
the victim
• Calls from debt collectors
• Strange charges on a medical bill
• Home in a state of disrepair
MORE SIGNS OF
FINANCIAL ABUSE
16. Get Involved, Get Safe – Stop Elder Financial Abuse 16
• That’s where the money is!
• If retired, often at home and
accessible
• Older adults with memory problems
are a particularly attractive target
• Older adults may be more trusting
WHY ARE OLDER ADULTS
TARGETED?
17. Get Involved, Get Safe – Stop Elder Financial Abuse 17
What Can You Do?
Get Involved, Get Safe
18. Get Involved, Get Safe – Stop Elder Financial Abuse 18
• Safeguard financial information
• Safeguard personal information
• Order your credit report –
• Equifax, Experian, Transunion
• Use computer safe practices
• Hang up the phone
HOW TO AVOID
FINANCIAL ABUSE
19. Get Involved, Get Safe – Stop Elder Financial Abuse 19
• Review all financial statements
• Check out any repair person you hire
– get 3 estimates
• Don’t sign a contract until you have
verified the company
• If you don’t understand a financial
transaction or if you feel you are
being pressured to give money, to
sign a document – ask for help!
HOW TO AVOID
FINANCIAL ABUSE
20. Get Involved, Get Safe – Stop Elder Financial Abuse 20
• Put a stop payment on money wires,
checks
• Place a fraud alert with the 3 credit
reporting companies
• Change your phone number
• Freeze credit, shred old credit cards
• Contact the bank, credit companies
GET INVOLVED,
PREVENT, REPORT
21. Get Involved, Get Safe – Stop Elder Financial Abuse 21
• Call law enforcement and make a
report
• Get a restraining order at court
• Call a crises hotline
• Report to Adult Protective Services
• Call or report to appropriate
government agency
• Seek legal counsel
• See EJI site for how to report at
elderjustice.gov
GET INVOLVED,
PREVENT, REPORT
22. Get Involved, Get Safe – Stop Elder Financial Abuse 22
To Report:
All Fraud can always be reported to
Adult Protective Services in your area.
• through the mail, report to the
USPIS
• through the computer, report to
Sentinel, FTC, FBI-IC3 or USPIS
• on the phone, contact the FTC
• on TV or radio, contact the FTC
• in person, call local police first
.
REPORTING
23. Get Involved, Get Safe – Stop Elder Financial Abuse
conclusion
Conclusion
23
24. Get Involved, Get Safe – Stop Elder Financial Abuse
HELPFUL RESOURCES:
National Center for Victims of Crime (NVCV)
https://victimsofcrime.org/ Victim Connect 1-855-484-2846
The National Center on Elder Abuse
https://www.ncea.aoa.gov/index.html
The U.S. Postal Inspection Service
https://postalinspectors.uspis.gov 1-800-275-8777
The Federal Trade Commission https://www.ftc.gov/
www.freecreditreport.com/Official
The National Association of Adult Protective Services
www.napsa-now.org/ 1-217-523-4431
Better Business Bureau www.bbb.org/scam-stopper
24
25. Get Involved, Get Safe – Stop Elder Financial Abuse
HELPFUL RESOURCES:
AARP www.aarp.org 1-800-222-4444, option #2
The U.S. Securities and Exchange Commission www.sec.gov/
1-800-732-0330
The Federal Bureau of Investigation https://www.fbi.gov
1-866-720-5721
The Consumer Financial Protection Bureau
www.consumerfinance.gov/ 1-855-411-2372
Equifax www.equifax.com 1-888-766-0008
TransUnion www.transunion.com 1-800-680-7289
Experian www.experian.com 1-888-397-3742
25
26. Get Involved, Get Safe – Stop Elder Financial Abuse
INFORMATION WAS OBTAINED FROM:
The Bureau of Justice Statistics
The National Institute of Justice
The U.S. Census Bureau
The Consumer Sentinel
The Financial Industry Regulatory Authority (FINRA)
AARP
The U.S. Securities and Exchange Commission
The Federal Bureau of Investigation
The National Center for Victims of Crime
The National Center on Elder Abuse
The U.S. Postal Inspection Service
26
27. Get Involved, Get Safe – Stop Elder Financial Abuse
INFORMATION WAS OBTAINED FROM:
The Federal Trade Commission
The National Association of Adult Protective Services
The Consumer Financial Protection Bureau”
“Licensed material is being used for illustrative purposes only.
Any person depicted in the licensed material is a model.”
27
Editor's Notes
Slide 1: Welcome
Welcome to our presentation. Today we are going to discuss Elder Financial Abuse- a growing problem and one of the most under-reported types of elder abuse. (Presenter: Explain your role and about your organization)
Tip:
This presentation is geared towards older adults but could also be given to community groups or professionals who are interested in stopping elder financial abuse. If your audience is older adults, remember to speak clearly, loudly, and allow time for questions. Consider showing a short film or video during the presentation to break things up. Some suggestions are:
To play Preventing Elder Financial Exploitation: How Banks can Help https://www.youtube.com/watch?v=-Ktqhpnt5qc click the button in the lower right corner to play the video in a browser window. You must have an internet connection.
Last Will and Embezzlement (Mickey Rooney is featured in this Terra Nova film available for purchase)
The Elder Justice Initiative has brochures and information sheets that are for your use and are available to download from the EJI site. You may also want to hand out flyers from your local government agencies or community groups that assist the elderly. Best Wishes on your presentation.
Slide 2: The Statistics
When looking at statistics, the BJS study found that fraud occurred from the misuse of credit cards, bank accounts, newly opened accounts, misuse of personal identification and mixtures of all of the above.
Another study that measured financial exploitation of the elderly as consumers found over 13% of elders are victims of financial fraud. (Holtfreter, K., Reisig, M.D., Mears, D.P., & Wolfe, S.E. (2014) )
The New York State Elder Abuse Prevalence Study of 2011 found that only 1 in 44 cases of financial abuse is reported by seniors.
It is no surprise that seniors with cognitive impairment are at greater risk of abuse.
Slide 3: The Statistics
As you can see, the population of older adults has been steadily rising and will continue as the “baby-boomer” generation ages. With an increase in older adults, comes an increased risk of this population becoming victims of financial abuse. That is why it is so important to get involved if you see something suspicious, whether it is in your own life or in the life of someone you know.
Slide 4: What is Elder Financial Abuse?
Financial Abuse is the illegal or improper use of an older person’s money or property.
Elder Financial Abuse is a widespread problem. We are going to talk about how and where abuse occurs, who does it, and complications of abuse. We will discuss some of the warning signs and how to try to avoid and report it. The Consumer Sentinel group which is comprised of the Federal Trade Commission, the Consumer Financial Protection Bureau, The Justice Department and many other organizations reported that they received over 2 million complaints of financial abuse during 2014.
Slide 5: How does Financial Abuse Occur?
This is how financial abuse occurs. We will tell you some examples of each type of abuse and what you can do – get involved by checking out suspicious behavior and get safe by stopping or preventing the abuse. We cannot cover every single type of example of financial crime in this presentation as there are so many. But we will tell you helpful information that will make you aware of some of the scams that are occurring.
Slide 6: Through the Mail
Mass Mailings are a common form of a scam. They often come in the form of a lottery scam. Lottery scams often originate outside of the United States. Foreign Lotteries are illegal. They violate the US cross-border law of foreign lottery sales. This goes for foreign lotteries by mail, phone or online participation. Communication you receive saying you have won the lottery but you must wire money via western union or you must pay a fee to get your prize sent or pay taxes ahead of time to claim your prize, lottery or free cruise etc. are just some examples of mail fraud. Be wary of “Free checks” you receive in the mail. They are probably fake and when deposited in the bank must be paid back to the bank!
Be wary of unverified letters from charities you are unfamiliar with asking for money or letters from financial advisors for free lunch retirement or investment seminars. Not every charity or investment seminar is a scam. Be cautious. Check and verify before going forward on these. (See The Financial Industry Regulatory Authority (FINRA) Investor Education Foundation on investment fraud http://www.finra.org/) Notify law enforcement or the U.S. Postal Inspection Service if you or someone you know receives this solicitation and fall victim to this type of mail fraud.
Psychic Scams are scams where a psychic will communicate with you, usually through the mail, saying that they know you have money problems or debt and then shortly afterward, you get a notice in the mail or an email that you have won the lottery. This sounds wonderful but this is a scam. If it sounds too good to be true, it most likely is!
Slide 7: On the Computer
Phishing emails are emails that may promise you something such as our slide example does or may look official so you click on them. The emails may request you enter personal data. Examples of personal data can be your bank information, credit card number, social security number. Any email that asks for this type of info could be a scam. Stealing this information is a form of identity theft. Identity theft is when someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain. Do not click on these phishing emails or give out pass words, social security, or Medicaid numbers or other types of sensitive data to anyone. Another example, if you see an email from a friend that doesn’t seem right- trust your instincts. Sometimes cyber criminals hack into email accounts. Call your friend before clicking on suspicious emails. Your friend’s email account could have been compromised by a hacker.
A current form of phishing email is the fake computer software pop-up where you are told there is a virus in your computer and that they need immediate access to fix it. Instead of allowing the potential hacker access, contact your computer software security program for help. Sometimes a phone call from the hacker accompanies this type of scam so be careful.
Other types of internet scams are found on dating, face book or other types of single sites. Some of these sites are places where scammers are looking for a victim. New love interests who ask for money and have drama filled lives are typical of con artists. Be sure and notify law enforcement if you fall victim to any such a scam. If you know someone involved in this type of relationship, educate them about these types of scams and encourage them to cut off communication and to report it.
These types of cases are handled by several agencies. See the Consumer Sentinel at https://www.ftc.gov/enforcement/consumer-sentinel-network to report and the FBI IC center, www.IC3.gov the internet crime complaint center. More to come on this at the end of the presentation.
Slide 8: On the Phone
Be skeptical of unsolicited calls. We are going to give you a few examples of the types of the scam calls you possibly could receive. One example is the “IRS” or “Treasury Department” call. If you receive the “IRS” call, report it to the Treasury Department at irs.gov. This is a call from a supposed IRS employee where they tell you that you are in trouble and must call them back. The Census Bureau, Treasury Department or IRS will not call you on the phone or send you an email. If you get a call from a government entity– ask and verify! Hang up, look up the agency in the phonebook and then call back.
The Grandparent scam is a call from an impostor claiming to be a relative in trouble who needs money wired or wants to stop by and get the money. Call the police immediately if you get this type of call. If unsure if the call is real or not, call a relative and verify before sending any money.
Any caller, who threatens you, uses high pressure tactics, or keeps calling you at all hours of the day or night is probably a scammer. Charities who call asking for money when you know you just sent them a check may be scamming you. Check your records. Check to see if it is a legitimate charity. If not, get involved. Call law enforcement, call the phone company to change your phone number- ask for it to be unlisted and unpublished. Check out the Federal Trade Commissions page on charity scams at: https://www.consumer.ftc.gov/articles/0074-giving-charity Get on the Federal Trade Commission’s “Do Not Call” list. This will not stop all of your calls but it may help. Look into services that stop robo calls. There are free services you can sign up for that monitor your phone service for robo calls. Continue to be vigilant even if you take steps to stop the calls.
Be aware of the recent “computer virus” call from a supposed software company. This sometime accompanies a pop up or email with the same message. Call your computer software provider directly to stay safe.
Slide 9: On TV or Radio
Some TV and radio scams include products that may or may not work but that have a huge shipping charge. You are required to send a check to handle the shipping charges which the con person pockets. Fraudulent anti-aging products or “natural” products that cure memory problems or other health issues could be scams.
Mortgage Fraud has risen in popularity in recent years. Scammers are taking advantage of this opportunity. In one example, the ads sound good but often contain an advance fee to obtain the reverse mortgage and then you never receive your money. Some of these ads are deceptive so be careful.
10
Slide 11: Who Are the Abusers?
As we have been discussing, there are many categories of abusers. Some examples could be family members who have substance abuse problems, are in debt, or have other addictions. Another possible example is sudden new friends who get involved in your life quickly and ask for money. Also, other possibilities are Professionals looking to make a quick score or strangers as we discussed in the in person scams.
More possibilities are professionals who take advantage of you. Strangers and new love interests or friends who seem to always need your money are examples.
Slide 12: Hybrid Financial Abuse
This is pretty self- explanatory and often occurs within the home when a caregiver, friend or family member is unable to get money which then results in a physical assault or a second form of abuse.
Slide 13: Complications
Financial abuse can cause a range of complications such as those listed on the slide including blaming oneself for not catching on to the scam, embarrassment, loss of trust, lack of confidence in decision making. It can lead to depression, anger, anxiety, social isolation and other mental health disorders. One’s physical health can also be affected. In some cases, premature death results.
Everyone should remember these scammers are good at what they do and in order to stop it one must report it and cut off communication. If you see it happening to someone else get involved. The losses can be devastating.
Slide 14: Signs of Financial Abuse
Be aware of the warning signs of Financial Abuse for yourself or for those you know. If you see your neighbor’s bills piling up, or if you notice unusual charges on your credit card statement, if you see an empty medicine bottle when visiting your sick friend or if you notice a change in the physical or mental health of an older adult you know, check it out. Changes in a personality, hanging out with new friends that don’t seem to have you or your friend’s best interest in mind can be warning signs. A missing piece of jewelry that your friend always wore or missing valuables all could be signs of possible abuse. Looking out for each other is the first step in combating financial abuse. Get Involved and Get Safe.
Slide 15: More Signs of Financial Abuse
These are more of the signs to look for when there is suspected abuse. Be wary when a family member or friend will not give you access to a loved one—or if they will not let the older adult speak up for themselves. This could be a warning sign.
Calls from debt collectors about debt you are unaware of is also a warning sign that someone could have opened accounts in your name.
All of the above are potential warning signs.
Slide 16: Why Are Older Adults Targeted?
They are targeted because they are at home, they may have a home that is paid off, they may be lonely, may have a nest egg, or assets, may have grown up in a more honest world and are more trusting. They could also be more forgetful, have health issues that put them at greater risk, may need help and be more dependent on others. Older adults who have mild cognitive impairment are at a greater risk of financial abuse.
Slide 17: What Can You Do?
Some tips on how to stay safe: Shred old financial documents, credit card or tax statements. Close old credit card or bank accounts. Never give out pin numbers, passwords, social security numbers or any personal information. Order a credit report- to check on your credit history. You can order one every 12 months from the Equifax, Experian or TransUnion companies. Once you get your report, look for inconsistencies. Report fraudulent or suspicious activity to your creditors.
Use computer security software that updates automatically. Use virus protection programs. Change passwords regularly. Do not click on unfamiliar or strange emails, pop up ads or the like. Be careful who you “friend” on Face book. Be suspicious of anyone you meet on the internet who befriends you quickly and asks for money.
On the phone- beware of telemarketers, sweepstakes, lottery, free prize calls, charities and supposed government entities calling you on the phone. Scammers are very good at trying to get you to believe them. They want to gain your trust. Don’t give out personal information. Be alert to high pressure tactics like” No risk offers”. Get involved and get safe by fighting back. There are robo call screeners that you can use to monitor your calls. Report fraudulent calls to the proper agency—more on this at the end. Get on the Federal Trade Commission’s “Do Not Call List”. Hang up the phone or don’t answer it. Change your phone number if you need to- report calls to the phone company and the appropriate agency. Remember wiring money is the same as sending a check! Don’t play foreign lotteries-they are illegal.
Verify any government entity that calls you by hanging up and looking up the number, then call the agency back.
Slide 18: How to Avoid Financial Abuse
Remember to always read and verify all financial statements. Always get 3 estimates when hiring a contractor. Always verify a contractor is licensed to do any work for you.
Do not give out personal data such as social security numbers and pin numbers. Order your free credit report yearly.
We have discussed computer safety. Some other ideas are: Use strong passwords, change pin numbers every 6 months and don’t use the same pin for all of your accounts. Always log out when you are finished with an on line banking session or the like. Keep computer security software up to date. When searching on the internet only go to trusted sites verified by your browser.
When receiving strange calls-don’t be afraid to hang up the phone. Use caller ID. Screen your calls. Trust your instincts. Get involved and do something to stay safe!
Remember there is no shame in asking for help.
Slide 19: How to Avoid Financial Abuse
This slide shows a few steps you can take depending on the type of abuse you experience. Check your bank statements, verify transactions. Call the Better Business Bureau to check out a repair company. Don’t be afraid to ask for help.
We are now going to discuss where to report financial abuse and where to go for help.
Slide 20: Get Involved, Prevent, Report
Every situation is different but these are some of the options available when experiencing financial abuse. If you have sent money and believe it was a scam, do a stop payment.
In extreme cases, when there is concern that you may be a victim of financial abuse, it may be necessary to freeze your credit. This can be done by contacting the three credit reporting companies: TransUnion, Equifax and Experian (these are listed at the end with web addresses and phone numbers) and telling them you want to freeze your credit. Once your credit is frozen, lenders cannot access your credit. New accounts or credit extensions cannot be done as long as the account is frozen thus protecting you from fraudsters. If you wish to add to your credit or make a change, special steps will need to be taken. You can apply for a lift of the credit freeze when you feel it is safe from the three credit companies.
Be sure to also notify your bank, credit union and credit companies if you have experienced financial exploitation.
Slide 21: Get Involved, Prevent, Report
(To the presenter: here is a good time to speak about local resources. If you do not have a crises hotline for seniors in your area, consider recommending the National Center for Victims of Crime Victim Connect hotline available Monday through Friday from 10am to 6pm EST . The number is 1-855-4VICTIM. )
Seek legal counsel to see if there is help to get money back or property that has been taken.
Here are just a few of the places you can report abuse or get help.
Slide 22: Reporting
Here are just a few of the places you can report financial abuse. Internet addresses are listed at the end of the presentation. When available, phone numbers are also listed.
Slide 23: Conclusion
Why is this man smiling? He is smiling because he took steps to protect himself from financial abuse. Remember to watch for signs, ask a lot of questions, and be cautious when encountering possible financial abuse. We hope we gave you some good tips today about to how to safeguard yourself. (For the Presenter: Here is where the presenter can provide handouts on local resources for the audience, take questions and reference the resources listed on the final slides).
Thank you for attending our presentation.
Slide 27: Information Was Obtained From:
Information for this presentation was obtained from these agencies and organizations. We have listed some email addresses and if available, phone numbers for you. It’s important to remember to always call 911 in an emergency. You can also call your local Adult Protective Services organization.
Thank you for your interest in putting an end to elder financial abuse. Remember Get Involved and Get Safe.