Last week, the San Diego Amazing Care Network chapter was treated to an engaging presentation by Deputy District Attorney Jim Waters, who discussed the (unfortunately) many tactics scam artists employ to take advantage of seniors. Among other topics, DDA Waters discussed 10 simple ways to keep yourself – and your loved ones – safe:
1. Choose a caregiver with caution
There is no current law mandating background checks for in-home caregivers in California! This means that you should NEVER assume the person you’re hiring is bonded or authorized; always run your own background checks and vet your prospects with close attention to details.
2. Keep an inventory of all jewelry
Jewelry is the top item stolen from seniors’ homes. Keep jewelry (and all other valuables) in a locked drawer, and keep photographs of them in a secure, separate location. This can help track down items, if stolen, from pawn shops.
3. Invest in a shredder
Shred every piece of mail containing your name, address, and any other identifying information. NEVER throw away old checkbooks, credit card application forms, bank statements, or any other financial documents without first shredding them!
4. Monitor all incoming and outgoing mail
Don’t allow incoming mail to sit in an unsecured mailbox where the public has access: mailbox theft is rampant, particularly around the holidays. Consider purchasing a locked mailbox, or even renting a PO box.
5. Run a credit search on yourself 2-3 times a year
Periodically obtain a credit search on yourself from the three major credit bureaus: Experian, Equifax, and TransUnion. It will help you keep an eye on your credit score, activity, and security.
6. Get caller I.D.
“Private” and “unknown” callers should immediately put you on guard. DDA Waters suggests not answering these calls, unless you personally know a friend or family member who has registered as a private caller.
7. If it sounds too good to be true…it is.
You’re never going to win the Canadian lottery. Or a savings bond from Nigeria. And most importantly, the IRS will NEVER call you demanding your private information. If anyone requests your social security number, bank account information, or other private identifying information, it is fraudulent. Hang up immediately.
8. Authorize your bank to send a copy of your monthly statements to a trusted family member/advisor
Unfortunately, most financial elder abuse cases are only reported 6-9 months after the theft occurs. Elders with failing eyesight are at particular risk, especially if they have been isolated from friends and family. A second, trusted pair of eyes on monthly bank statements will be able to catch anomalies and suspicious activity early on.
9. Ask to see licenses and qualifications
Don’t assume that friendly handyman is licensed or legitimate. Before committing to work contracts, particularly on your private residence, obtain at least three estimates in writing and check the name of the contractor with the Better Business Bureau and the Contractors State License Board. Just because the person may dazzle you with an impressive business card and contractor’s license doesn’t mean they are legitimate: the license could be stolen. Also, NEVER pay more than 10% of the contract price up-front.
10. Have a second line of defense at the front door
Invest in a locked screen door or security chain guard at your front door. Thieves attempt to gain entry to your home by using excuses like fake emergencies, and often will employ fake uniforms and badges. With a second line of defense, you can communicate with the stranger on the doorstep at a safe distance. Never allow a stranger into your home, no matter how urgent the “emergency” seems to be. Instead, tell him/her you will call 911.
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