When a loved one with dementia keeps getting scammed, it is a deeply troubling situation that requires immediate attention and careful action. Dementia affects memory, judgment, and decision-making, making individuals vulnerable to financial exploitation by strangers or even people they know. Protecting them involves recognizing warning signs, setting up legal safeguards, and maintaining vigilant oversight.
People with dementia may not remember recent conversations or recognize scams, which scammers exploit by pressuring them into giving money, sharing personal information, or signing documents. Common warning signs include unexplained withdrawals from bank accounts, missing money or valuables, sudden changes in wills or financial documents, unpaid bills despite available funds, and increased isolation from family and friends. Emotional signs such as anxiety when discussing finances or reluctance to talk about certain people can also indicate exploitation[1][2].
To stop this abuse, legal planning is essential. Durable powers of attorney allow a trusted person to manage finances but can be limited to prevent misuse. Revocable living trusts can set clear terms for how assets are handled, requiring adherence to the elder’s original wishes. Regular, random audits of financial accounts help detect irregularities early. These legal tools ensure that decisions about money and property reflect the elder’s intentions, not the convenience or gain of others[1].
Family members and caregivers should educate themselves about common scams targeting seniors, such as fake charities, lottery fraud, or phishing calls. Encouraging open communication about finances and involving multiple trusted people in financial decisions can reduce risk. If possible, help your loved one manage their money or set up automatic bill payments to avoid missed payments or impulsive spending.
If you suspect your loved one is being scammed, report it immediately to Adult Protective Services or local authorities. In urgent cases, call 911. There are also hotlines like the National Elder Fraud Hotline (1-833-FRAUD-11) that provide support and guidance. Early intervention can prevent further losses and protect your loved one’s well-being[2][3].
Emotional support is equally important. Dementia can cause confusion and fear, and being scammed can worsen these feelings. Maintain patience, reassure your loved one, and involve professionals such as elder law attorneys or social workers who specialize in dementia care and elder abuse prevention.
Protecting a loved one with dementia from scams requires a combination of vigilance, legal safeguards, education, and compassionate support. Taking these steps can help preserve their dignity, security, and peace of mind.
Sources
https://www.collinsfamilylaw.com/blog/2025/november/legal-options-to-prevent-elder-abuse/
https://www.pittcountync.gov/901/Elder-Abuse-Prevention
https://www.seniorliving.org/research/elder-abuse-statistics/
https://www.assuredassistedliving.com/how-to-keep-family-relationships-strong-with-alzheimer-s
https://guides.loc.gov/personal-finance/life-stages/Elder-care
