For example, no legitimate business will ask for payment with gift cards. And fraud victims who send money through gift cards, cash and payment apps like Zelle or Venmo will likely never be able to recover their funds. But the report found that these were some of the payment methods least utilized, generally, by both the military community and civilians.

To avoid scams, AARP recommends signing up for the National Do Not Call Registry and using a call-blocking service. Additional valuable safeguards include using strong and unique passwords for each online account; using two-factor authentication; and placing a free security freeze on credit reports at each of the three major credit bureaus.

The survey, though, found that almost half of all respondents did not take advantage of robocall-blocking services and a third were not on the Do Not Call Registry. Both those in and outside the military community would benefit from more information on protections to reduce the risk of being targeted, the report says.

In May, the Department of Veterans Affairs (VA) developed a campaign to help older veterans and their families and caregivers identify scams and frauds such as pension-poaching schemes. The VA also offers information on veteran identity…

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