Why Scammers Are Targeting Family Members Instead of Seniors Themselves

For years, scammers have focused directly on seniors—posing as Medicare agents, tech support, or long-lost relatives. But recently, a troubling shift has emerged: fraudsters are increasingly targeting family members instead. Adult children, caregivers, and even grandchildren are being manipulated into giving access to seniors’ finances, identities, and personal information. This indirect approach is harder to detect and often more effective. Understanding why scammers are changing tactics—and how to protect your family—is critical in today’s digital age.

Why Family Members Are Easier Targets

Scammers know that seniors are becoming more cautious. Awareness campaigns, improved digital literacy, and tighter financial controls have made direct scams harder to pull off. But family members often have access to sensitive information and may not be as vigilant. They might share passwords, forward suspicious emails, or unknowingly authorize transactions.

In some cases, scammers impersonate the seniors themselves—tricking banks, insurance companies, or government agencies through stolen credentials provided by a relative. This tactic is known as proxy fraud—using a third party to gain access to a victim’s assets. It’s especially common in families where one person manages the senior’s finances or healthcare.

Scammers may pose as a bank representative, Medicare agent, or tech support and convince the family member to “verify” information or install software. Once inside, they can drain accounts, steal identities, or reroute benefits. Because the senior never interacts with the scammer directly, the fraud can go undetected for weeks or months.

Emotional Manipulation Plays a Big Role

Scammers often exploit emotions—urgency, fear, and trust. A common tactic is the “grandparent scam,” where a fraudster pretends to be a grandchild in trouble and asks for money. But now, they’re flipping the script—contacting the grandchild and claiming the senior is in danger. The emotional pressure to act quickly can override judgment, especially if the scammer uses convincing details. These scams are designed to bypass logic and trigger protective instincts.

With access to social media, public records, and data breaches, scammers can build detailed profiles of families. They know who handles the bills, who lives nearby, and who’s most likely to respond.

Spoofed phone numbers and AI-generated voices make impersonation easier than ever. In some cases, scammers use deepfake audio to mimic a senior’s voice—convincing a relative that the request is real. The sophistication of these tools means even tech-savvy families can be fooled.

Warning Signs to Watch For

Today, knowledge is power. Knowing the warning signs of a potential scam can save you and your family a lot of heartache. Here are six things to look out for.

1. Families should be alert to sudden requests for money
2. Changes in account access should not be ignored
3. Unfamiliar contacts claiming to represent financial institutions should be reported
4. Unexplained withdrawals
5. Duplicate benefit claims
6. New credit accounts opened in the senior’s name

If a relative receives a call or email asking for sensitive information “on behalf of” a senior, it’s a red flag. Ultimately, transparency and regular communication are key to spotting fraud early.

How to Protect Your Family

Start by having open conversations about scams and fraud. Make sure everyone understands the risks and knows how to verify legitimate requests. Use multi-factor authentication on financial accounts, and avoid sharing passwords—even within the family. Seniors should have a trusted contact for financial matters, but that person should also be monitored. Consider using read-only access for bank accounts or setting up alerts for unusual activity. If a scam is suspected, report it immediately to the FTC, local law enforcement, and the senior’s financial institutions.

Power of attorney, guardianship, and financial oversight agreements can provide structure and accountability. But they must be used carefully. Scammers sometimes exploit legal documents to gain control over assets. Work with an elder law attorney to ensure protections are in place and regularly reviewed. Families should also consider identity theft protection services and credit monitoring for seniors—especially those with cognitive decline or limited mobility.

A Family-Wide Defense

Protecting seniors from scams is no longer just about shielding them—it’s about educating and empowering the entire family. As fraud tactics evolve, so must our defenses. By staying informed, communicating openly, and using smart tools, families can prevent financial abuse and preserve trust. The goal isn’t just to stop scammers—it’s to build a culture of vigilance and care.

If you manage finances or care for a senior, review your digital habits this week—it could prevent a costly mistake.

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Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.