How the scam works:
Scammers design and send countless post cards to neighborhoods populated by the elderly.
The card informs the recipient “an approved senior final expense program is now available, to help pay for the senior’s final expenses." (aka funeral). Don't get us wrong, there are legitimate services out there (independent insurance agents) that provide that kind of programs, but this refers only to the scammers who impersonate those real organizations.
The card also mentions that the program could get the qualifying seniors up to $15,000!
Indeed, the call to action is at the end of the card, stating: “It is your legal right as a taxpayer to receive all the information available to you. You must complete this request form within 5 days.”
Seniors fall for this and are required to pay not only a “small” application fee, but also to give all their personal information.
How to avoid:
Tell your elders to let you know whenever they get such things in the mail. Take a closer look at the names used, research, and determine if the mail comes from legitimate services or bogus ones. Better safe than sorry. You can report the scam on this page: Federal Trade Commission Report.
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