Identity Theft of the Elderly

Identity theft is always wrong. The effects can be devastating and long lasting. But when the thief takes advantage of extremely vulnerable individuals, like senior citizens, its inexcusable.

Many senior citizens today do not live close to family. They are often alone during a time in their lives when they probably need a little extra attention. Their vision, hearing, and mental capacities may be declining. Giving up driving privileges and bad health usually isolates individuals even more. They are prime targets for unscrupulous individuals looking to make a quick buck.

This age group did not grow up with computers and many of them do not have a computer at home. They are more likely to be taken advantage of by phone or by someone knocking on their front door. Because they are often lonely they don’t always hang up when a stranger calls. They need attention and someone to acknowledge them. The smart criminal knows this and quickly puts the person at ease with smooth talking and compliments.

The elderly are also taken advantage of by individuals coming into their home. Sometimes it’s the thief breaking in who steals their credit cards and personal information. Other times its a repairman promising to perform a service but instead steals from them. There are many honest custodial care providers who work hard daily and genuinely care for those they attend to. But occasionally a dishonest worker steals money and credit cards from the unsuspecting senior citizen.

Individuals who can no longer write, handle their bank accounts or pay their bills are always vulnerable. For some caretakers, exposed to this opportunity, the temptation to steal is greater than they can resist.

Often when a senior citizen reaches this point they are no longer capable of using common sense. Its difficult to protect themselves or their personal information. If they recognize a problem they are probably embarrassed to ask for help. Sometimes they do turn to family and sometimes it’s family that’s taking advantage of them. As a society its up to us to be more aware of whats happening around us. Don’t be afraid to get involved or ask questions if you suspect there’s a problem.

This age group tends to have the same habits and patterns. Drastic changes could be a red flag. New friends, especially isolating and controlling behavior, might be a problem.

Identity theft affects all of us with higher interest rates. Companies are often unable to collect money stolen or get reimbursed for fraudulent credit card charges. This weakens their financial position which means more service charges and higher interest rates for us. Everyone benefits when we look out for the individuals who can no longer look out for themselves.

Margaret Norton, a Personal Life Coach/Writer/Speaker, resides in St. Peters, MO.

(photo credit: RebelBlueAngel)

April 8th, 2009 by admin | Posted in Legal Rights | (0)