Here’s a statistic that should make you angry: Americans over 60 lost $3.4 billion to fraud in 2023 alone, according to the FBI. And phone scams — voice calls, text messages, voicemails — remain the #1 attack vector.

If you have an elderly parent living alone, this isn’t an abstract problem. It’s a Tuesday afternoon phone call from “the IRS” that sounds convincing enough to make your dad hand over his Social Security number.

Let’s talk about what actually works to protect them — and what doesn’t.

Why “Just Tell Them About Scams” Doesn’t Work

Every guide online starts with the same advice: educate your parent about common scams. Tell them never to give out personal information. Remind them the IRS doesn’t call.

Here’s the problem: scammers are professionals, and your parent isn’t.

• Scammers use emotional manipulation — fear (“your grandson is in jail”), urgency (“act now or face arrest”), and authority (“this is the Social Security Administration”)
• Cognitive decline makes it harder to think critically under pressure, even for sharp seniors
• Scam scripts are constantly evolving — the “grandparent scam” of 2020 sounds nothing like the AI-voice-clone version of 2026
• In the moment, knowledge fails — even people who know about scams fall for them when caught off guard

Education is necessary but deeply insufficient. It’s like teaching someone to swim and then throwing them in the ocean during a storm.

What About Call Blocking?

Apps like Nomorobo, Hiya, and built-in carrier tools (AT&T Call Protect, T-Mobile Scam Shield) can filter known spam numbers. They help, but:

• Scammers use spoofed numbers — they appear as local calls or even as your parent’s own bank
• New numbers are generated constantly — blocklists are always behind
• Legitimate calls get blocked — doctor’s offices, pharmacies, and government agencies sometimes get flagged as spam
• Text-based scams bypass call blocking entirely

Call blocking reduces noise but doesn’t solve the problem. It’s a screen door on a submarine.

The Real Problem: You Can’t Be There

The core issue isn’t that solutions don’t exist — it’s that you can’t be there when the scam call comes in. You can’t screen every call, read every text, or intercept every suspicious voicemail.

What you need is a way to:

1. Know what calls your parent is receiving — especially from unknown or suspicious numbers
2. Detect patterns — like a sudden spike in calls from toll-free numbers, or repeated calls from the same unknown number
3. Get alerted before money is lost — not after

A Better Approach: AI-Powered Phone Monitoring

This is what we’re building at Kindwatch. Instead of trying to educate or block, we monitor and alert:

• Call log analysis — we look at who’s calling, how often, and how long your parent stays on the phone with unknown numbers
• Notification scanning — suspicious text messages and voicemails get flagged automatically
• Pattern detection — a sudden change in calling patterns (more incoming calls, longer durations with unknown numbers) triggers an alert
• Weekly AI report — every week, you get a plain-English summary: “Dad received 3 calls from suspected scam numbers this week. He answered 1 and spoke for 12 minutes. Here’s what we recommend.”

The goal isn’t to control your parent’s phone. It’s to give you visibility — so you can have a conversation before money changes hands.

What You Can Do Right Now

While you wait for better tools, here are concrete steps:

Lock Down Their Phone

• Enable spam call filtering through their carrier
• Set up a Google Voice number as a buffer for unknown callers
• Add important contacts to favorites so they know which calls to trust

Set Up Financial Safeguards

• Add yourself as a trusted contact at their bank (you can’t see their accounts, but the bank will call you for unusual activity)
• Set up transaction alerts for amounts over a threshold
• Consider a credit freeze if they’re not actively applying for credit

Create a Check-In System

• Establish a daily check-in routine so you have regular touchpoints
• If they mention any unusual call, take it seriously — don’t dismiss it as “obviously a scam”
• Make it easy and judgment-free for them to tell you about suspicious contacts

Talk to Them (Gently)

• Don’t say “you should know better” — say “these scammers are really good at what they do”
• Share specific examples of smart people who got scammed
• Frame it as “us versus the scammers,” not “me protecting you from yourself”

The Bottom Line

Phone scams targeting seniors aren’t going away. They’re getting more sophisticated, more targeted, and harder to detect. The answer isn’t more education or better call blocking — it’s monitoring and early intervention.

If you’re worried about your parent, join the Kindwatch waitlist. We’re building the monitoring layer that sits between your parent’s phone and the scammers, so you can catch problems before they become catastrophes.