An elderly woman is talking on a phone while holding a credit card.

I have written a blog on this topic before, but think it is extremely important and keeps coming to light. We must protect our elderly from the scammers out there!!!


What is financial exploitation in seniors? This occurs when people try to take the seniors money or assets. They know every trick in the book and will pull them to get whatever they can from the senior. Seniors are the most vulnerable because they have a lot of time on their hands and are generally very trusting. When a senior is online searching for things, they sometimes they don’t know they clicked on a potentially harmful link, (this happens to all of us), but they are more vulnerable because they sometimes click without thinking. Something may look enticing and they click on it and BOOM they clicked on a scammers link.


Online isn’t the only way these scammers can get your information, they can get it through phone calls, any receipts or bank statements you have lying around, or a credit card. Make sure all these things are put away when someone comes to your house. If you have a caregiver, lock these things up where the caregiver does not have access. Most caregivers are trustworthy, but situations can take a change and you never know someone’s circumstances.


The first thing a senior needs is a financial advisor or an advocate, someone trustworthy who will look out for them. Make sure you know this person well and can trust them with everything. If you are mentally able, go over everything with your advocate and know where all your money and assets are.


Get a copy of your credit report at least once a year and go through it thoroughly to ensure everything is up-to-date and correct. Make sure no new accounts have been opened or the balance on your credit cards haven’t gone up instead of down. Also, check your report to ensure your credit score hasn’t dropped and there have been no new inquiries against your social security number.


Shred any bank statements, receipts, and expired credit cards; anything with your pertinent information on it. You know how we all get those unwanted credit card offers? Make sure you shred those too. There may not be enough information on them for a hacker, but why chance it. Shredders are not too expensive and can save you a lot of headaches down the road.


The IRS and Social Security will NOT call you and ask for your social security number!! Do NOT give this number out to ANYONE over the phone!!! Do NOT give your bank information out to ANYONE over the telephone. There shouldn’t be anyone calling you and asking for any kind of personal information whatsoever. Do NOT give out this information!!


You may be like me or a million other people and play sweepstakes or lotto online, but if you get an email or phone call saying you won but have you pay them so much money to claim your winnings, DON’T pay it!! This is a scam!!! Once they have your information, they will take all the money you have and not only did you not win the lotto, you also lost every penny you worked so hard for.


Should you need to hire someone to do work for you, check their references and NEVER pay them in advance! Also, pay them with a check if possible. If you must pay with cash, make sure you get a receipt and make sure the receipt has what the money was for and any terms and conditions.

NEVER sign any agreement you don’t understand, feel pressured into, or are uncomfortable with. It’s okay to say no and request to have someone else read and explain the document to you. If the person asking you to sign the document isn’t agreeable to this, it is more than likely a scam. Trust your instincts, if it doesn’t feel right, don’t do it.



Lastly, if you feel you have been exploited, or feel someone is trying to take control of your money, please reach out to Adult Protective Services. You can file a complaint online at myflfamilies.com/services/abuse/adult-protective-services or call them at 1-800-962-2873, option 2.

An elderly woman is talking on a cell phone while looking out of a window.
By Donna Nichols • November 9, 2026
When it comes to senior care, it’s easy to put off making decisions. Mom is still managing at home. Dad says he’s doing fine. Everyone is busy, and no one wants to bring up a subject that may feel uncomfortable. So, the conversation gets pushed to another day. Until something happens. A fall. A hospitalization. A sudden change in memory. A caregiver who can no longer keep up. Suddenly, the family isn’t simply exploring options; they need answers, and they need them quickly. Planning ahead doesn’t mean a move is happening tomorrow. It simply means being prepared. A Crisis Changes Everything When a senior care decision must be made during a crisis, families are often dealing with several things at once. There may be medical concerns, discharge deadlines, financial questions and different opinions among family members. At the same time, everyone is trying to determine what type of care is needed and where their loved one should go. That can turn an already emotional situation into an overwhelming one. When families begin the conversation earlier, they have something incredibly valuable: time . Time to learn. Time to ask questions. Time to compare options. And most importantly, time to include their loved one in the decision. More Time Means More Choices Waiting until care is urgently needed can sometimes limit the options available. The community a family prefers may not have an opening. The level of care needed may have changed. Financial arrangements may need to be made quickly. Families may find themselves choosing from what is available rather than what they would have chosen with more time. Planning ahead allows families to explore senior living communities, understand different levels of care and determine what matters most to their loved one. Does Mom want to stay close to her current neighborhood? Would Dad enjoy a community with lots of activities? Is medication management important? Will transportation be needed? What about future care if needs change? These questions are much easier to answer when no one is under pressure. Planning Ahead Can Help Protect Independence Sometimes families avoid discussing senior care because they worry it will make their loved one feel as though independence is being taken away. But planning ahead can do the opposite. When seniors are part of the conversation early, they have a greater opportunity to express what they want. They can talk about where they would prefer to live, what type of environment they would enjoy and what is most important to them. Waiting until a crisis may mean someone else has to make those decisions for them. The goal isn’t to take control away. It’s to give seniors as much control over their future as possible. Know the Options Before You Need Them You don’t need to tour every senior living community in town or make an immediate decision. Start small. Have a conversation. Learn what different levels of senior care provide. Get a general idea of costs. Talk about finances. Visit a community or two. Ask your loved one what they would want if their needs changed. You may not need that information for months—or even years. But if the day comes when something changes, you won’t be starting from scratch. The Best Decision Is an Informed Decision There is no perfect age or moment to begin talking about senior care. Every family and every situation is different. But there is a big difference between making a decision because you have to and making a decision because you’ve had time to understand your choices. At Assisted Senior Services , we help families explore senior living options before, during and after a change in care needs. Whether you're planning for the future or facing an unexpected situation today, you don't have to navigate all the choices alone. Starting the conversation now doesn't mean you're ready to make a change. It simply means you'll be ready if one comes.  Call us today for your FREE in-home assessment 386-847-2322.
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