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Debbie Worthington of Lehi has been bombarded with unsolicited calls from scammers posing as Medicare representatives, seeking to obtain her Medicare number to fraudulently bill the system for medical supplies and equipment she never ordered. Medicare fraud costs the system approximately $60 billion annually in taxpayer money, with scammers targeting beneficiaries especially during open enrollment season by calling from spoofed local numbers despite Medicare's strict prohibition on cold calling. Medicare advises beneficiaries to never share their Medicare number unless they initiate contact with a trusted provider and to report suspicious calls to 1-800-MEDICARE.

This educational guide explains how AI-powered deepfake scams work, including voice cloning, CEO fraud, and video impersonation schemes that use synthetic media to impersonate trusted individuals and extract money or sensitive information. Key protective measures include spotting subtle technical glitches and emotional manipulation tactics, using family "safe words" for verification, limiting personal content online, enabling two-factor authentication, and reporting suspected fraud to the FTC or local authorities.

Scammers are sending fraudulent emails to seniors claiming their Social Security numbers are involved in criminal activities and threatening to suspend benefits unless they act immediately. The Social Security Administration never sends emails (only letters from .gov addresses), and Social Security numbers cannot be suspended; victims who engage with scammers risk losing money and having their identities stolen. Seniors should ignore these emails, never click links or call numbers in suspicious messages, and contact official Social Security field offices directly or consult trusted family members or financial professionals with questions about their benefits.

This educational piece describes four common scams targeting seniors age 60 and older: Social Security impostor scams (where criminals falsely claim account suspension and request gift card transfers), tech support scams (fraudsters pose as company representatives to gain remote device access and charge bogus fees), lottery scams (perpetrators claim victims won foreign lotteries and demand fees until funds are depleted), and romance scams (scammers use dating sites to build relationships and solicit money). The Elder Justice Initiative provides information on these fraud schemes to help older adults recognize and avoid becoming victims of financial exploitation.

According to the Senate Aging Committee's latest report, scams targeting older adults are increasingly leveraging artificial intelligence, cryptocurrency, and person-to-person payment transfers to defraud victims who are targeted for their accumulated assets and trusting nature. Reported losses to those age 60 and over surged by over 40% in 2024, with cryptocurrency-related losses jumping by two-thirds, while scammers employ AI-enabled tools like voice cloning and deepfake videos to make imposter scams more convincing and easier to deploy at scale. Common fraud types include imposter scams, online shopping fraud, lottery scams, and investment fraud, with cryptocurrency and P2

Scammers are increasingly targeting Social Security recipients with cost-of-living adjustment (COLA) fraud schemes, contributing to the $12.5 billion in fraud losses reported by the FTC in 2024. The Social Security Administration warns recipients to watch for four red flags: being told they must apply for COLA (which is automatic), unsolicited calls/texts/emails claiming to be from SSA, requests for Social Security numbers or banking information, and threats or pressure tactics claiming benefits will be cut off. Recipients should remember that the SSA communicates primarily through mailed letters and will never demand personal information over the phone or threaten immediate action.

A state pensioner in the UK lost £11,000 to a romance scam in which a fraudster posing as "Freddie" built an emotional connection by fabricating a series of crises—including a son's death and alleged arrest—to manipulate the victim into sending money. Lloyds Bank issued a warning about the rise of romance scams targeting vulnerable pensioners seeking companionship, noting that fraudsters exploit emotional vulnerability to extract tens of thousands of pounds from victims' accounts.

Women are now being targeted by online investment scammers at rates equal to men, with fraudsters moving away from traditional investments toward cryptocurrency and social media-based platforms targeting ages 30-80. Surrey Police report that victims have lost an average of £49,000 to investment fraud in 2024, with one woman losing £350,000 after being groomed over a year on a fake crypto trading platform; scammers use tactics including fake celebrity endorsements and AI-generated videos to build false trust. Police advise victims to seek independent financial advice and verify companies through the Financial Conduct Authority before investing.

Two men from Maharashtra were arrested for their role in a "digital arrest" scam that defrauded a retired doctor of Rs 6.6 lakh and contributed to her death. The scammers impersonated police officials via WhatsApp video calls and forged documents, falsely implicating the victim in human trafficking and threatening arrest to coerce fund transfers; the sustained intimidation caused fatal cardiac arrest on September 8. Authorities warn that "digital arrest" is a fake scheme and legitimate law enforcement never demands money or threatens arrest to clear someone's name.

In 2024, Australians lost over A$2.03 billion to scams across 494,732 reported cases, with most enabled through online or phone contact. Scammers exploit universal psychological principles—such as appeals to need/greed, authority, kindness, distraction, and social proof—that are similar to legitimate persuasion techniques used in sales and marketing. To protect yourself, evaluate whether a request has legitimate intent, who benefits, and whether you have a free, informed choice.

During Medicare Open Enrollment Period (October 15-December 7), scammers impersonate Medicare representatives and contact seniors unsolicited, falsely claiming they need a new Medicare card and requesting Medicare numbers, bank account information, or payments—when legitimate Medicare cards are free and automatically mailed. To protect themselves, seniors should ignore unexpected requests for personal or financial information, verify caller identity by hanging up and calling 1-800-MEDICARE directly, and use official resources like Medicare.gov or their State Health Insurance Assistance Program (SHIP) for plan comparisons. Suspected Medicare fraud should be reported to 1-800-MEDICARE and the FTC at ReportFrau

Operation Twin Shield, a USCIS investigation conducted in Minneapolis from September 19-28, targeted 1,000 immigration cases and found fraud, non-compliance, or security concerns in 275 cases, resulting in 44 referrals to ICE or notices to appear in court and 2 on-site detentions. The operation uncovered various schemes including sham marriages with elderly U.S. citizens subjected to elder abuse and exploitation, fabricated death certificates, and visa overstays, with ongoing investigations expected to yield additional charges.

During Medicare Open Enrollment Period (October 15-December 7), scammers impersonate Medicare representatives and contact seniors unexpectedly, requesting personal information, Medicare numbers, or payments under the false pretense of issuing new or updated Medicare cards. Medicare never contacts beneficiaries unsolicited to request financial information or payment, as legitimate Medicare cards are free and mailed automatically. To protect yourself, ignore unexpected calls demanding personal information, verify suspicious calls by independently dialing 1-800-MEDICARE, use official resources like Medicare.gov and your State Health Insurance Assistance Program (SHIP) for plan information, and report scams to 1-800-MEDICARE and the FTC at Re

The Massachusetts Senior Medicare Patrol (SMP) Program issued a warning during Medicare's 2025 Open Enrollment period (October 15-December 7) about a surge in scams targeting beneficiaries, including unsolicited calls, fraudulent mailings, and misleading offers of free benefits or refunds. The program advises seniors to protect their Medicare numbers, avoid clicking suspicious links, hang up on unknown callers, and verify plan information only through official Medicare.gov channels or by calling 1-800-MEDICARE. Residents can receive free, unbiased assistance from SHINE counselors by contacting MassOptions at 1-800-243-4636 or report suspicious

Medicare open enrollment (October 15–December 7) coincides with peak Medicare fraud season, when scammers pose as insurance providers via calls, emails, or in-person visits to steal personal information, Medicare data, or identities using offers of free gifts or limited-time deals. Beneficiaries should avoid sharing personal information with unsolicited contacts, only use equipment prescribed by doctors, and verify plans through legitimate channels like medicare.gov or 1-800-633-4227 to protect themselves from fraud schemes.

Michigan Attorney General Dana Nessel warned of potential government imposter scams during the federal government shutdown, where fraudsters may pose as officials to steal personal information or money by falsely claiming issues with Social Security, Medicare, Medicaid, or SNAP benefits. Nessel advised consumers not to click links or download attachments in suspicious communications, and to verify any government contact directly with the agency, noting that legitimate government agencies never request personal information via email, phone, or text, and never demand payment through gift cards, wire transfers, or payment apps.

During government shutdown periods, fraudsters target federal employees, contractors, and benefit recipients with scams impersonating Social Security, Medicare, and food assistance officials, falsely claiming benefits are suspended and demanding fees or personal information to restore them. Common tactics include phishing emails with subject lines like "Government Shutdown Notice," requests for upfront payments via wire transfer or cryptocurrency for fake "relief programs," and malware-laden links designed to steal credentials. Authorities emphasize that most federal benefits are not actually cut off during shutdowns and that legitimate government agencies will never demand money or sensitive information via phone or email.

A Staffordshire pensioner lost £130,000 in a romance scam after being contacted on Facebook by someone posing as a celebrity technology businessman who promised to relocate to the UK to be with her; she remortgaged her house to send the money. The fraud was discovered when her family noticed behavioral changes and that she was struggling to afford groceries on her pension, prompting intervention from social services and investigation by Staffordshire Police and Action Fraud. Police warn that such romance scams are common and exploit personal vulnerabilities, with perpetrators using excuses and false promises to delay meeting victims and continue extracting funds.

This is a personal complaint rather than a documented scam or fraud case. An individual reports outstanding debts totaling PHP682,743.01 across multiple Philippine financial institutions and alleges they have been blacklisted for credit unworthiness, claiming a broker continues employing someone involved in the debt situation despite reports to the Department of Human Settlements and Urban Development (DHSUD) and Professional Regulation Commission (PRC). **Note for Elderus database:** This entry lacks corroborating documentation, specific details about elder fraud or abuse, and details about victim impact. It may not meet criteria for inclusion in an elder fraud research database without additional verified information.

During Medicare's open enrollment period (October 15 to December 7), scammers impersonate insurance providers through calls, emails, and in-person contact to steal beneficiaries' money, Medicare information, and personal identity using tactics like free gifts and limited-time offers. Beneficiaries should protect themselves by never sharing personal information with unsolicited contacts, only using official channels like medicare.gov or 1-800-633-4227 to compare plans, and being cautious of unapproved medical devices. To report suspected fraud, individuals can contact the AARP Fraud Watch Network at 1-877-908-3360.

North Carolina Attorney General Jeff Jackson warns that scammers are exploiting the federal government shutdown by impersonating agencies like Social Security Administration, Medicare, and SNAP to steal personal information and money through unsolicited calls, texts, and emails. Residents should never provide personal information, make payments, or wire money in response to these contacts, and should instead hang up and call agencies directly to verify legitimacy. Complaints can be filed with the North Carolina Department of Justice at ncdoj.gov/complaint or 1-877-5-NO-SCAM.

Kylee Dennis, a 55-year-old former Australian police officer, founded Two Face Investigations in 2023 after her own mother nearly fell victim to a romance scam, and now poses as "Samantha," a fake online persona, to identify and report romance scammers who target vulnerable adults. Romance scams have surged globally, with Australians losing A$23.6 million in 2024 and the UK reporting a 20 percent increase, with victims over 61 being particularly susceptible due to financial stability combined with loneliness and lower digital literacy. Notable cases include a 64-year-old retiree who lost $57

Approximately 16% of UK adults serve as "financial carers" for older or vulnerable relatives, typically beginning this role in their 30s to help manage bills, track accounts, and protect against scams. Financial carers often experience personal financial strain, with over one-fifth using their own money to cover relatives' expenses and many reducing work hours, while facing knowledge gaps about pensions and financial management. The research highlights the need for better financial education and support tools to help carers manage their dual responsibilities effectively.

**Title:** As Medicare open enrollment starts, beware health care cons coming your way During Medicare open enrollment periods (Oct. 15-Dec. 7 for Medicare; Nov. 1-Jan. 15 for Healthcare.gov), scammers make unsolicited calls and texts impersonating Medicare or healthcare brokers, pressuring callers to provide Social Security numbers and Medicare ID numbers under the guise of enrolling them in cheaper plans with better coverage. The article advises consumers to avoid unsolicited contacts, never share government-issued numbers with unknown callers, access plans only through official websites (Medicare.gov or Healthcare.gov), and report suspected fraud to

Southeast Asia faces a rapidly escalating scam epidemic, with 79% of adults exposed to scams in the past year and global scam losses exceeding $1 trillion annually, threatening the region's digital economy projected to reach $1 trillion in five years. Scammers are leveraging advanced technologies like AI, instant payments, and encrypted messaging to conduct sophisticated cross-border fraud schemes including fake job offers, romance scams, and investment fraud. The article recommends that governments, companies, and civil society organizations collaborate through strengthened institutions, cross-border data-sharing, regional working groups, and partnerships to combat this transnational criminal activity.

Senior citizens receiving Social Security benefits are being targeted by scammers who send fake letters using fabricated U.S. Supreme Court letterhead and forged signatures of justices, claiming recipients are criminal suspects with frozen financial assets and restrictive account limits. The Social Security Administration's Office of the Inspector General warns recipients to avoid clicking links, verify claims through official government websites, and report suspicious letters to the FTC or SSA-OIG. To protect themselves, people should stay informed about scam tactics, as over 70 million Americans receive Social Security benefits and are potential targets.

The U.S. Social Security Administration's Office of the Inspector General is warning the public about a government imposter scam using forged U.S. Supreme Court letterhead and fake signatures of Chief Justice John Roberts and Justice Sonia Sotomayor to pressure victims into sending money or sharing personal information. The scam letter falsely claims the recipient is a criminal suspect whose Social Security number has been compromised, that their assets have been frozen by the Supreme Court, and that they cannot maintain over $10,000 in bank accounts or $80,000-$100,000 in investments, with follow-up contact typically made via text or phone. Recipients are advised to disregard the letter

**Summary:** During government shutdowns, scammers target federal employees, contractors, and benefit recipients with fraudulent calls and emails impersonating Social Security, Medicare, and other agencies, falsely claiming benefits are suspended unless fees are paid or personal information is verified. Common tactics include phishing emails with subject lines like "Government Shutdown Notice," fake relief programs requiring wire transfers or gift cards, and malware-laden links designed to steal credentials. Authorities stress that most federal benefits continue during shutdowns and the government never demands payment or sensitive information via phone or email; victims should report fraud to their state attorney general or the FTC.

The Social Security Administration's Office of the Inspector General issued an alert about a government imposter scam using forged Supreme Court letterhead and signatures of justices John Roberts and Sonia Sotomayor to target seniors receiving retirement benefits. The fraudulent letters falsely claim recipients are suspects in criminal proceedings, allege identity theft of their Social Security numbers, and pressure victims to send money and share personal information under threat of frozen assets and account balance restrictions. Victims are advised to ignore the communications, report them to the FTC or SSA OIG, and take immediate steps to freeze accounts and monitor credit if they have already provided information or funds.

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The Iowa Insurance Division is warning Medicare beneficiaries about scams during the 2026 open enrollment period (October 15–December 7), which scammers exploit to steal personal information and fraudulently enroll individuals in new plans. Common schemes include unsolicited calls and texts requesting Medicare numbers or personal data, with Medicare fraud costing an estimated $100 billion annually. Free assistance is available through certified SHIIP counselors across Iowa to help beneficiaries safely navigate enrollment decisions.

Multiple viewers reported receiving Medicare mail addressed to other people, raising identity theft concerns during the annual Medicare open enrollment period (October 15-December 7), when scams typically increase. The Better Business Bureau's Texas Senior Medicare Patrol recommends not opening misaddressed mail, contacting Medicare directly at 1-800-MEDICARE to verify personal information, and monitoring accounts for unauthorized charges, as mail mix-ups may indicate identity theft or other fraudulent activity such as unauthorized medical equipment charges or impersonation calls.

In 2024, Australians lost over A$2.03 billion to scams across 494,732 reported cases, with most enabled by technology through online or phone contact. Scammers exploit universal psychological principles—including need, greed, authority, distraction, and social proof—that are similar to legitimate persuasion techniques used in advertising and marketing, making everyone vulnerable regardless of expertise or background. Understanding these manipulation tactics can help people recognize and resist scams by questioning whether they're being rushed, whether claims seem too good to be true, and whether the request matches legitimate practices.