Scam Safety for People With Dementia
Supportive guidance for families and carers helping protect someone with dementia from scams — while preserving dignity and independence.
Last reviewed: 1 June 2026
People living with dementia can be particularly vulnerable to scams because of changes in memory, judgement, and the ability to spot deception. At the same time, they deserve to be treated with full dignity, and their autonomy should be respected as far as possible. The goal is to put gentle, practical protections in place alongside the person — not to take over — working with their strengths and involving their care network where appropriate.
Why dementia increases scam risk
Dementia can affect short-term memory, reduce the ability to read social cues, and make it harder to recognise a familiar voice or face over the phone. This is a medical reality, not a personal failing — and scammers deliberately exploit it.
- Memory gaps can mean a scammer sounds plausible across multiple calls
- Reduced judgement can make urgency and authority harder to evaluate
- Loneliness or isolation can make social contact from any source feel welcome
Practical protections to put in place
Focus on reducing the chance that a scam contact reaches them or succeeds if it does. These measures work best when introduced gently and with explanation.
- Register with the Telephone Preference Service and use a call-blocking device
- Set up a trusted-contact alert with their bank
- Arrange for a carer or family member to review post and calls periodically
- Keep a written 'pause and check' reminder near the phone
- Consider a Lasting Power of Attorney (LPA) or equivalent if not already in place
Supporting without removing independence
The aim is to add safety nets, not to remove all autonomy. Wherever possible, involve the person in decisions about their own protection and explain why each measure helps.
- Frame protections as 'scams are everywhere — we all use these'
- Involve them in setting up protections where they're able
- Check in regularly with warmth, not interrogation
- Coordinate with their formal care team if one is in place
Frequently asked questions
Should I set up Power of Attorney?
A Lasting Power of Attorney (LPA) — or its equivalent in your country — allows a trusted person to help manage finances if capacity is lost. It can only be set up while the person still has mental capacity, so acting early is important. A solicitor or the Office of the Public Guardian can advise.
How do I tell the bank about the situation?
Most banks have a dedicated vulnerability or third-party access process. You can usually request a trusted-contact arrangement, lower daily transaction limits, or a joint account flag. The bank won't share information about the account but can apply safeguards and act on concerns you raise.
What if they become angry when I try to help?
Resistance is common and understandable — no one wants to feel their independence is being removed. Take a step back, give it time, and try again more gently. Focus on one small measure at a time and involve their GP or care team for advice on the best approach.