Romance scams that target people with cognitive decline are a serious and growing problem. These scams exploit loneliness, trust, and sometimes the impaired judgment that can come with cognitive challenges. Scammers often create fake online profiles to build emotional connections over weeks or months, then ask for money citing emergencies, travel needs, or medical bills. People with cognitive decline may be especially vulnerable because they might have difficulty recognizing red flags or remembering details of conversations.
To prevent these scams, it is important to take several practical steps. First, encourage open conversations with loved ones about the risks of online relationships and scams without causing fear or isolation. Emphasize that if something seems too good to be true, it probably is, and it is always okay to pause and think before acting. Teaching the SLAM method can help: Stop before responding, Look carefully at the message, Ask someone you trust for advice, and Message back only through verified contacts.
Second, protect personal information by not sharing bank details, passwords, or other sensitive data with anyone met online. Use strong passwords and keep devices updated with antivirus software to reduce the risk of hacking or phishing attempts. Verify any urgent requests for money by contacting family members or trusted advisors directly, not through the person making the request.
Third, monitor financial accounts regularly for unusual activity. If you notice unexpected withdrawals or overdrafts, investigate immediately. In cases where cognitive decline is diagnosed or suspected, consider involving a trusted family member or legal guardian to help manage finances and online interactions.
Finally, report any suspected scams to local authorities or organizations that specialize in elder fraud prevention. Many communities offer workshops or resources to educate seniors and caregivers about common scams and how to stay safe.
By combining awareness, communication, and practical safeguards, it is possible to reduce the risk of romance scams targeting people with cognitive decline and protect their financial and emotional well-being.
Sources
https://www.savingadvice.com/articles/2025/11/14/10238630_7-sneaky-scams-spreading-through-senior-communities-and-how-to-spot-them.html
https://crr.bc.edu/preventing-cyber-scams-that-target-seniors/
https://www.helpinghandshomecare.co.uk/care-advice/how-to-help-the-elderly-avoid-scams/
https://www.ftc.gov/system/files/ftc_gov/pdf/P144400-OlderAdultsReportDec2025.pdf
https://www.thefp.com/p/my-elderly-father-fell-for-a-romance
https://www.arvest.com/about/articles/risk-fraud-awareness/shielding-the-vulnerable-from-scams
