When a spouse, parent, sibling or close friend dies, it’s natural to want to tell that individual’s story — to share in obituaries what made the cherished person special and to swap memories on social media. But as you celebrate a loved one’s life and mourn his or her death, take care with what you share, because scammers are paying attention too.
Obituary scams, also known as bereavement scams, typically start with information gleaned from death notices in newspapers or posted online. Criminals harvest facts commonly included in obits — such as the deceased’s birth date, where the person lived and worked, and family members’ names — to start building a profile foridentity theft.
With just a few key details, criminals can locate and purchase a dead person’s personal data on the dark web, including home address and Social Security number. They use that information toaccess or create financial accounts, take out loans, obtain health care or filephony tax returns(and claim bogus refunds) under the deceased’s name — a form of ID theft dubbed ghosting.
Or they’ll weave what they’ve learned about a recent death intoimpostor scamstargeting a surviving spouse or other family member. Criminals posing as government officials, debt collectors or insurance agents try to pry loose more personal data about the deceased, or solicit payment for a supposedly unpaid bill, unclaimed benefit or lapsed policy.
Some bereavement scams are more involved, and they can get personal. Obit-scouring criminals pretend to be long-lost friends or relatives of the deceased, contacting surviving spouses out of the blue to commiserate and reminisce. These displays of simulated compassion can evolve intoromance scamsor attempts to defraud beneficiaries out of inheritance money.
FAQs
As if scammers couldn't sink any lower, there's a new online scam taking advantage of grieving people. It's a strange pirate scam that uses AI to scrape data to build fake obituary websites, exploiting the information of somebody who is deceased in an attempt to scam vulnerable victims.
What are the bereavement scams? ›
Death-Related Scams to be Aware of:
Promises of inheritance or insurance money that claim you need to pay a fee to receive it. Requests to access accounts of the deceased. Calls that say the deceased owed them money or inheritance taxes are due.
How do funeral scams work? ›
The scammers reach out to families pretending to be from funeral homes and demand more payment or threaten the cancellation of the funeral. It is easy to see how distraught loved ones might fall for such scams as they are already under immense stress from losing a loved one.
What information should never be included in an obituary? ›
When writing an obituary, leave out details that could be used for identity theft, such as the deceased's date and place of birth, middle name, maiden name and mother's maiden name. And don't include the deceased's home address.
What are obituary pirates? ›
Obituary pirates utilize digital marketing tactics, sometimes including misinformation and plagiarism, to generate revenue from the grief and curiosity of people learning about the death of a loved one.
Who are the most common victims of scams? ›
35- to 44-year-olds were most likely to be exposed to and lose money from scams. However, median losses were highest for 18- to 24-year-olds at $155 per scam that resulted in a monetary loss.
How common are post bereavement hallucinations? ›
How common are grief hallucinations? Since the early 1970s, research has indicated that bereavement hallucinations are commonplace. Some of the most recent data, from 2015, indicates that as many as 60% of people who've lost their spouses report at least one grieving hallucinatory experience.
How to avoid funeral scams? ›
10 Tips to Protect Against Cemetery or Funeral Scams
- Shop around in advance. Compare prices from at least two funeral homes. ...
- Ask for a price list. ...
- Avoid Temptation. ...
- Avoid emotional overspending. ...
- Recognize your rights. ...
- Know the Rules. ...
- Read the Fine Print. ...
- Understand the Terms.
Do victims of scams get their money back? ›
If you paid by card or PayPal
If you've paid for something you haven't received, you might be able to get your money back. Your card provider can ask the seller's bank to refund the money. This is known as the 'chargeback scheme'. If you paid by debit card, you can use chargeback however much you paid.
How do victims of scams feel? ›
The person who was scammed may feel like a complete failure in life after they realize what has happened. She loses sight of the fact that although the consequences may be harsh, it is not a statement about who she is as a person, or how smart she is or isn't.
When you list the survivors, make sure that you list them in order of closest relation to the deceased: spouse, children, grandchildren, great grandchildren, parents, and siblings. When you are listing a relative, make sure to include their first name, their spouse's first name in brackets and then their last name.
What should I exclude from an obituary? ›
Obituaries should not be written in the first person. This means you should not use "I" language. Remember that an obituary is not a personal tribute, like a sympathy card or condolence letter. You should also exclude personal addresses and phone numbers.
What not to say in an obituary? ›
Avoid Clichés
Some clichés that are often included in obituaries are, “After a long/courageous battle…” or “Only saw the best in people…” or “Will be missed…” Try to express your thoughts creatively to convey your message. This will help others understand how unique the life of your loved one was.
What are obit thieves? ›
There are several types of obituary theft. The first is fairly straightforward. The criminals note the address and the date and time of the funeral or memorial service. Then, while all of the family is out of the house attending the services, they sneak in and steal whatever they can get their hands on.
What is a pirate burial? ›
Burial at sea is the disposal of human remains in the ocean, normally from a ship, boat or aircraft. It is regularly performed by navies, and is done by private citizens in many countries.
What was the most common cause of death for pirates? ›
However, swords, guns, and cannon balls were not what sent most seafaring scoundrels to Davey Jones' locker. Instead, a pirate's greatest enemy was disease: food poisoning, malnutrition, and infection.
Is the bereavement register legitimate? ›
A deceased person's details can be registered and their information will be entered into a bank of data. Organisations who wish to check their mailing lists against the Bereavement Register are able to identify any matches and are then obliged by law to remove these records from future mailings.
How to make a fake bereavement leave? ›
Call in to work.
- Say: “I've had a death in the family and you will need some time off.”
- Answer any questions your boss may have and keep it short. Stay consistent with the story you made up.
- Try to sound sad, and if you want, sniff and cough often to make it sound as though you've been crying.
What are scams involving grandparents? ›
Fraudsters pose as a grandchild or family member, either by name (names of family members can often be found online or on social media) or by starting the conversation with, “It's me, Grandpa!” in hopes that the victim will say the grandchild's name. Next, they make up elaborate stories and claim they're in trouble.
What do most companies give for bereavement? ›
While federal law doesn't require employers to provide bereavement leave, most \offer it to support their employees' mental and emotional well-being and work-life balance. Bereavement leave length varies from company to company, with most employers providing three to five days per loss of a loved one.