Telemarketing 

Older Americans make twice as many purchases over the phone as the national average. Perhaps that’s why one of the most common schemes involves scammers using fake telemarketing calls to prey on older individuals. 

While the image of the lonely older American with no one to talk to may contribute to this perception, it is far more likely that older adults are more accustomed to shopping over the phone and may not be fully aware of the associated risks. 

These scams are tricky to trace because they involve no face-to-face interaction and leave no paper trail. Once a successful deal has been made, the buyer’s name is shared with similar schemers who seek proven easy targets. They sometimes defraud the same person repeatedly. 

One of the most common examples of telemarketing fraud is when money is solicited for a fake charity. Scammers will try to exploit their victim’s emotions to help people. Examples include after natural disasters or for medical support in a foreign country. 

Email and Text as Preferred Contact Methods 

As dangerous as telemarketing scams can be, fraudsters are turning away from the tactic. The number of scams that start with a phone call has decreased from 67% in 2020 to 32% in 2023. Email and text messages are becoming preferred methods of first contact. 

For instance, scammers may impersonate a company and send an email regarding a fake security alert, renewal, invoice, discount, or tracking error. There are even multi-party scams, where the initial scammer directs you to an accomplice who pretends to be a government agent or bank employee. 

Always check the sender’s email address. Avoid clicking on links, and do not send out any personal or sensitive financial information until you can verify the sender’s identity. 

Similarly, it’s vital to remain cautious if you receive a text message that seems legitimate but is likely meant for someone else. For example, the message might read, “I’m running late; I’ll be there as quickly as I can.” Wanting to help a well-meaning stranger, you might reply to the sender to let them know they have the wrong number. 

These wrong number texts often mark the beginning of a romance or employment scam. While a scammer may be involved from the outset, scammers can also employ AI messaging bots to target thousands of individuals simultaneously. 

Sweepstakes & Lottery Scams 

In this scenario, scammers tell their victims they have won a lottery or sweepstakes. To claim the prize money, scammers inform their victims that they must provide their bank account information (and sometimes additional sensitive personal information, like a Social Security number). 

This scam can be even more challenging to recognize because frequently, the target receives a check they can deposit into their bank account. The trick is that the money appears in their account immediately. However, it can take several days before the (fake) check is ultimately rejected. 

During that time, while the victim has the “prize money” removed from their account as soon as the check bounces, the criminals will quickly collect money for supposed fees or taxes on the prize, which they pocket, 

Counterfeit Prescription Drugs 

People are increasingly using the internet to find better prices on specialized medications. 

The danger goes beyond giving your credit card information to a bogus source that never delivers your medications. Even worse, victims may purchase unsafe substances that can inflict even more harm. This scam can pose a significant danger to the body and wallet. 

The most effective way to not fall victim to this scam is to only buy medicines from licensed pharmacies and ask for a receipt. Do not buy medicines from open markets. Ask the pharmacist whether the drug has the same ingredients as your current medicine. 

Fraudulent Anti-Aging Products 

In a society bombarded with images of the young and beautiful, many people feel the need to conceal their age. Because of this, many older Americans seek out treatments and medications to maintain a youthful appearance, putting them at risk of scammers. 

Like with the prescription medication scam, fake treatments or completely bogus homeopathic remedies that do nothing can potentially hurt your physical and financial health. 

The best way to avoid the risk is to only purchase from trusted sources, such as the manufacturer’s website. 

AMBA aims to ensure that you and your loved ones continue to enjoy a healthy and successful lifestyle during work years and in retirement. Following these tips can help. AMBA will continue to provide updates on how to stay safe from scam artists. It’s all part of AMBA’s commitment to looking out for you, your well-being, and your safety. 

Sources: https://ojp.gov/ncjrs/virtual-library/abstracts/fraud-characteristic-crime-twenty-first-century 

https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2024/04/impersonation-scams-not-what-they-used-be

The eyes may be the gateway to your soul, but oral health is a window into overall health. When it comes to your teeth and gums, prevention can indeed be the best medicine. Investing in proper dental care and upkeep can make a meaningful difference. 

Regular dental visits are essential at every stage of life. In most cases, adults should see the dentist twice a year. However, we face an increased risk of tooth decay and gum disease as we age, which may require more frequent cleanings and exams. 

The frequency of dental visits for older adults depends on certain risk factors. 

Older Americans Require Regular Dental Visits to: 

1. Prevent Decay and Disease 

As we age, we become significantly more vulnerable to tooth decay and gum disease. Tooth enamel wears down over time, especially for people with poor oral hygiene or a diet high in sugary, acidic, and starchy foods and drinks. 

Weakened enamel makes teeth more vulnerable to cavities, chipping, abscesses, and gum disease. Unfortunately, enamel cannot be restored naturally, so preserving it with regular dental care and professional cleanings is essential. 

2. Combat the Effects of Dry Mouth 

Adults become more susceptible to health conditions as they age. This can affect your dental health. Many prescription medications often cause dry mouth as a side effect, which increases your risk of tooth decay and gum disease because your saliva can’t sufficiently wash away bacteria and food particles. 

Frequent professional teeth cleanings from a dentist are necessary to protect your teeth from dry mouth. If you suffer from this condition, it’s important to let your dentist know. They can give tips on minimizing its effects and protecting your teeth at home. 

3. For Oral Cancer Screenings 

Teeth cleanings aren’t the only reason older Americans need professional dental care. Oral exams are essential because the risk of cancer increases with age. 

Dentists are often the first to notice signs of oral cancer and other serious dental conditions. Diagnosing and treating oral cancer in its early stages gives you the best possible chance of recovery. 

How Often Should You Go to the Dentist? 

Everyone should visit the dentist at least twice yearly (around every six months) for professional cleanings and exams. However, depending on certain risk factors, you may need to see the dentist every three months or more frequently. 

If a medication or medical condition causes dry mouth, you will need more frequent cleanings to eliminate harmful bacteria. Smoking, poorly fitting dental appliances like dentures, and old, worn-out increase your risk of tooth decay and gum disease. You will also need more frequent professional dental care if you have any risk factors. 

Regular at-home dental care between appointments is just as vital for protecting teeth. However, people with arthritis may have difficulty properly brushing and flossing their teeth, leaving their mouths vulnerable to decay. 

People with mobility issues may need their teeth cleaned more often than twice a year. You can also speak with your dentist about the effectiveness of adding a water flosser to your dental hygiene routine to protect your teeth more effectively and comfortably. 

Another reason you may need more frequent dental care is if you have already developed advanced stages of gum disease. The earliest stage of gum disease (gingivitis) can be reversed 

with teeth cleanings. But if gum disease progresses, you will need more frequent cleanings to keep the infection under control. 

Dental Coverage from AMBA and Your Association 

Everyone’s dental health needs are different, and how frequently you should visit your dentist varies based on your health. Your association and AMBA can help you keep your mouth healthy with a Dental Plan that covers everything from routine check-ups to fillings and many procedures, all at an attractive group rate. Find out more at www.AMBAdentalvision.com or call 866-979-0497. 

Source: https://www.health.harvard.edu/diseases-and-conditions/gum-disease-and-the-connection-to-heart-disease 

https://www.cancer.org/cancer/types