How to protect the elderly from scams and con artists

It’s a well-known fact that our elderly loved ones are part of a larger population that is often targeted by con artists. Protecting the elderly from scams is important, not just because it is the right thing to do or because it affects their ability to live a high quality life, but also because the resulting financial and emotional trauma can be devastating. Here are some tips from a leading elder law attorney in New Jersey on keeping the elderly safe from financial scams.

What makes the elderly targets for scams? 

According to the FBI, the elderly are particularly vulnerable to con artists and scams for several reasons. Not only were many of them brought up in a time when trusting a stranger was considered normal, they are also more likely to have good credit and sufficient income in the form of a retirement nest egg. They also often feel ashamed of having been conned out of money, and so are unlikely to tell anyone about what happened. In addition to that, many seniors do not know which authority to report a crime to and can be ineffective witnesses due to age-related memory loss and eyesight conditions.

What types of scams are seniors more vulnerable to? 

Knowing the types of scams that are most commonly targeted at the elderly can help create useful awareness for seniors and their families. Scams to watch out for include:

  • Bogus Medicare employees trying to get personal information or offering fake services.
  • Counterfeit and unsafe medications and supplements often claiming to boost memory retention, anti-aging or virility. These are often internet-based scams.
  • Con artists at funerals claiming the deceased had outstanding debts and trying to extort money from attendees.
  • Disreputable funeral homes adding unnecessary charges to funeral services.
  • Telemarketing scams involving depositing money into a particular bank account in order to access funds, claiming to be a loved one in trouble needing money quickly to pay for hospital or other fees, and fake charities soliciting money.
  • Email and phishing scams that ask for personal information in order to update or verify records.
  • Investment schemes like retirement planning schemes, pyramid schemes, Nigerian prince schemes and so forth that promise massive, unrealistic returns.

What can family members and loved ones do? 

Key to helping your senior loved one to avoid scams is communication. Talk to them about different scams and encourage them to call you if anything suspicious or confusing is happening in their lives, or if they are ever being asked for money, pressured to hire someone or give any personal information under any circumstances. If your loved one is struggling to manage their finances, you can step in and offer assistance and have an attorney draw up a Financial Power of Attorney to ensure that you can continue managing their finances as long as necessary. It is also a good idea to put their number on the National Do Not Call registry by phoning 1 (888) 382-1222 or visiting, as this will limit telemarketers.


How can an elder law attorney assist you? 

An elder law attorney will be able to assist you and your loved one with the financial and legal planning that will maximize their protection. Frank R. Campisano has over 30 years of experience in New Jersey elder law.With his expertise and compassion, we can help your loved one grow older with dignity, in comfort and with proper peace of mind. For a free consultation, please contact us today.

Estate planning tips for singles

If you’re not married or in a long-term relationship, chances are that you think that estate planning isn’t for you – but you’d be wrong. While a lot of discussions about estate plans, wills, trusts and other legal documentation focus on married couples, it’s equally important for singles to consider these options too, says a leading NJ estate planning attorney. Here’s why:

If you pass away without a Last Will and Testament, known as “dying intestate”, the State of New Jersey will decide where your assets will go and how they are distributed. For married couples, this usually means they go to the surviving spouse or children. If you are single, however, your assets will pass to your closest living relations, for example, siblings or parents. If you don’t have any living relations, then the assets generally go to the state.

This means that unless you have stated in a legal document that certain items or assets are to go to certain people in your life, the state will give it all to your closest relatives – whether you would have wanted them to have it or not. With an estate plan, you can choose who inherits and the extent to which they inherit. In addition to family and friends inheriting your assets, you may also want to donate to causes that are close to your heart – something much more meaningful than simply allowing the state to take control of them.

What estate planning documents are essential for singles? 

  • Your Last Will and Testament: This is the central document of most estate plans. Here, you can name guardians for your children (if you have any), assign an executor to ensure that your assets are managed properly through probate and choose who inherits what.
  • Medical and Financial Power of Attorney: These documents empower a person of your choosing to manage your medical treatment and financial affairs if you become unable to do so yourself. Here, you can also specify the level of treatment you would consent to – for example, choosing whether to have advanced lifesaving measures or not.
  • Beneficiary Designations: If you have life insurance, a retirement fund or other funds that require you to name a beneficiary, be sure to include these in your estate plan and keep them up-to-date with what you want to happen with your assets.

Make estate planning your priority with the assistance of a qualified NJ attorney 

If you would like to revise your Will or create a new Will, Frank R. Campisano can assist you each step of the way. Whether you want to create a simple Will or are interested in creating more complex estate planning documents such as Trusts and Power of Attorney documents, he can ensure that the right legal documentation is developed in order to meet your specific wishes.

For peace of mind estate planning or advice on creating your Last Will and Testament, please contact Frank R. Campisano or visit our website today at

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