Keeping a loved one with dementia safe from scams can feel overwhelming, especially as more fraud happens online or over the phone. Scammers often target older adults, and dementia can make it harder to spot something that is not right. The good news is that simple technology tools, used the right way, can help protect them.
One of the most common scams is the “phantom hacker” scam. It starts with a message that looks like a real security alert from a bank, tech company, or online service. The message says there is a problem with the account or device and gives a phone number to call. Once the person calls, a fake support agent pressures them to give remote access to their computer or hand over bank details. These scams are very convincing and can happen through pop ups, emails, or even text messages.
To help prevent this, it is important to limit how much a person with dementia can do on their own when it comes to banking and personal information. One step is to set up a separate, simple device just for them to use, like a tablet with only a few apps installed. Remove any web browsers or banking apps that are not absolutely necessary. Use parental controls or device settings to block pop ups and prevent downloads from unknown sources. This reduces the chance they will click on a fake alert.
Another helpful step is to set up automatic payments and alerts through their bank. Many banks let family members or caregivers get text or email alerts whenever money is moved, a new payee is added, or a large transaction happens. This way, if something unusual occurs, someone can act quickly. It is also wise to talk to the bank about extra security, like requiring a second person’s approval for transfers or limiting how much can be moved in one day.
Smart speakers and voice assistants can be useful tools too. They can be programmed to answer common questions, set reminders, and make calls to a small list of trusted contacts. For example, a person with dementia can say, “Call my daughter,” instead of trying to remember a phone number or search through a contact list. This makes it harder for scammers to trick them into calling a fake number. Voice assistants can also be set to only call certain people, so they cannot dial a number given by a scammer.
If the person still uses a computer, consider using a managed account where a caregiver has control over what programs can be installed and what websites can be visited. Use strong, unique passwords and two factor authentication wherever possible. Make sure antivirus software is turned on and updated automatically. Teach the person, as much as they can understand, that they should never give their password to anyone, even if the caller says they are from the bank or tech support.
Fall detection sensors and smart home devices can also play a role in safety. If a person with dementia becomes distressed after a scam call or starts acting unusually, a caregiver might notice through changes in routine picked up by smart devices. Some systems can even detect if someone is moving around more than usual late at night, which could be a sign of anxiety or confusion after a scam attempt.
It is also important to talk openly about scams in a calm, non frightening way. Use simple language and repeat key messages often. Remind them that real banks and tech companies will never call out of the blue asking for passwords or remote access. Teach them a simple rule: if someone calls and says there is an emergency, they should hang up and call a trusted family member instead. A printed card with a short list of trusted phone numbers can be kept near the phone.
For families who are worried about a loved one living alone, home care services that understand online safety can be a big help. Caregivers can check devices, look for suspicious messages, and help manage online accounts. They can also provide companionship, which reduces loneliness and makes a person less likely to fall for scams that play on emotions. Services like CareWorks Health Services offer support that includes helping older adults avoid suspicious interactions and stay safe online https://www.careworkshealthservices.com/online-safety-for-seniors/.
Age UK and other organizations recommend a simple checklist to remember when dealing with calls or messages: stop, check, ask, mine, share. Stop and do not act right away. Check who the person really is by looking up the official number. Ask a trusted family member or friend before doing anything. Do not give away personal information. Share what happened so others can learn. This can be written down and kept where the person can see it https://www.helpinghandshomecare.co.uk/care-advice/how-to-help-the-elderly-avoid-scams/.
Smart devices and AI tools are also being used more in home care to support seniors. Fall detection sensors, smart medication dispensers, and daily check in tools can help caregivers notice changes in behavior that might signal a problem. These tools work best when combined with regular human contact, not as a replacement for it. Dakota Home Care explains how technology can fill gaps between visits and help keep seniors safer at home https://dakotahomecare.com/the-new-face-of-aging-in-place-how-ai-and-smart-devices-support-home-care/.
Local care and support services often use a holistic approach to decide what technology is right for each person. This might include telecare services, emergency alarms, or remote monitoring systems that are tailored to the individual’s needs and abilities. These services can be part of a wider plan that includes prevention and reablement, helping people stay safe and connected https://pmc.ncbi.nlm.nih.gov/articles/PMC12645094/.
Sources
https://www.careworkshealthservices.com/online-safety-for-seniors/
https://www.helpinghandshomecare.co.uk/care-advice/how-to-help-the-elderly-avoid-scams/
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