A
  • Substantial increase in account activity, particularly when a joint bank account has recently been established or someone is now assisting the individual with their finances

  • Person with a disability is accompanied by family, staff or others who appear to coax, or otherwise pressure, the individual into making transactions

  • Persons accompanying the individual speak for her/him, and do not allow the individual to speak or make decisions

  • Individual expresses concern that he/she does not have enough money for basic needs

  • Individual is confused about missing funds in accounts

  • Sudden increase in checking overdrafts

  • Unusually large cash withdrawals or transfers to other accounts from a joint bank account, without the individual's knowledge or consent

  • Individual cannot obtain checking or savings passbooks from person assisting with finances, or passbook/checkbook are frequently missing

  • Individual signs blank checks, with large amounts filled in by another party

  • Someone else signs/forges individual's signature.

  • Individual complains that furniture, jewelry, credit cards, or other items are missing

  • Individual expresses fear that he/she will be evicted from home, or placed in an institution, if money is not given to caregiver

  • A Guardianship or Conservatorship is obtained for an individual who appears competent, and has recently been handling her/his own finances

  • Certificates of Deposit are withdrawn, incurring penalties by persons acting on behalf of the individual or the individual appears under duress to obtain cash for someone else

  • Caregiver seeks to cash the individual's disability or paycheck

  • The individual complains about not having access to her/his own money

  • Caregiver charging personal expenses to the credit card of an individual

  • Caregiver spending the individual's money for his/her own use

  • Caregiver coercing an individual to pay for his/her own expenses

  • Caregiver coercing an individual to give away property, possessions, assets

  • Caregiver coercing an individual to sign legally binding papers regarding financial assets

  • Withholding an individual's funds

  • Caregiver coercing an individual to name a specific beneficiary in insurance matters

  • Forging the signature of an individual

  • Not allowing an individual to discuss financial or legal matters with others

  • Caregiver mismanaging or misappropriating victim's funds for own use