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May 30th, 2025
Elder Financial Abuse

The Ultimate 200-Point Checklist to Identify Elder Abuse.

A Guide for Families, Caregivers, and Advocates

Elder abuse is often a silent epidemic—one that hides behind closed doors, subtle behaviors, or seemingly harmless oversights. It affects millions of seniors every year and comes in many forms: physical, emotional, financial, sexual, and neglect. Understanding the signs of elder abuse early is critical for prevention and protection. Whether the abuse occurs at home, in a facility, or under the care of a trusted individual, it often goes unnoticed until serious harm is done.

At Hackard Law, we believe in empowering families with the tools they need to recognize the signs of abuse early. This 200-point checklist is designed for families, social workers, caregivers, and legal advocates to identify red flags and take swift action. While not every item alone proves abuse, the presence of multiple signs of elder abuse may warrant closer investigation or professional help.While not every item alone proves abuse, the presence of multiple signs may warrant closer investigation or professional help.

🔎 PHYSICAL ABUSE (SIGNS ON THE BODY AND BEHAVIOR)

  1. Unexplained bruises
  2. Frequent “accidental” injuries
  3. Burns or scalds
  4. Welts in the shape of objects (belts, cords)
  5. Multiple fractures at various stages of healing
  6. Fingerprint bruising
  7. Black eyes
  8. Rope marks or restraints
  9. Fear of physical contact
  10. Flinching when approached
  11. Refusal to undress in front of others
  12. Sudden hearing loss or complaints
  13. Eye injuries
  14. Bite marks
  15. Lacerations without explanation
  16. Unusual hair loss (from pulling)
  17. Infections or untreated wounds
  18. Loss of appetite due to injury
  19. Limping or trouble walking
  20. Missed doctor appointments for injury treatment

💰 FINANCIAL ABUSE (MISUSE OF MONEY OR ASSETS)

  1. Sudden bank account changes
  2. Unexplained ATM withdrawals
  3. Forged signatures on checks
  4. Missing valuables or heirlooms
  5. New “best friend” helping manage finances
  6. Pressure to sign financial documents
  7. Unpaid bills despite having adequate income
  8. Legal documents with unusual changes
  9. New joint accounts with non-family members
  10. Transfer of property or deed under duress
  11. Changes in power of attorney without explanation
  12. Lack of basic needs (food, heat) despite resources
  13. Discrepancies in spending habits
  14. A caregiver or relative with new wealth
  15. Isolation from family members after inheritance change
  16. Threats linked to money or inheritance
  17. Exploitation through scams or fraud
  18. Suspicious signatures on legal papers
  19. Elderly person appears confused about finances
  20. Closed or inaccessible financial records

Understanding the legal avenues available is crucial when addressing financial exploitation. For a comprehensive guide on protecting your loved ones from estate exploitation, refer to Hackard Law’s Estate Exploitation: How to Protect Your Loved Ones

🗣️ EMOTIONAL & PSYCHOLOGICAL ABUSE (VERBAL OR NONVERBAL MISTREATMENT)

  1. Yelling or shouting in front of the elder
  2. Belittling or humiliating speech
  3. Threats to withdraw care
  4. Constant criticism or scapegoating
  5. Manipulation or guilt-tripping
  6. Controlling who the elder sees or talks to
  7. Silent treatment
  8. Withholding affection as punishment
  9. Treating the elder like a child
  10. Fear of specific individuals
  11. Sudden onset of depression
  12. Increased anxiety or panic
  13. Self-harming behavior
  14. Rocking, mumbling, or repetitive behaviors
  15. Statements of worthlessness
  16. Suicidal talk or hopelessness
  17. Over-apologizing
  18. Crying without explanation
  19. Hypervigilance
  20. Sudden changes in personality

❌ NEGLECT (FAILURE TO PROVIDE NECESSARY CARE)

  1. Dehydration or malnutrition
  2. Poor hygiene (unbathed, dirty clothes)
  3. Bedsores
  4. Unchanged soiled clothing or bedding
  5. Lack of necessary medical aids (glasses, hearing aids)
  6. Missed medical appointments
  7. Unsafe living conditions (clutter, fire hazards)
  8. Lack of heat or air conditioning
  9. Expired or missing medications
  10. Infections or untreated health issues
  11. Skin rashes or infestations
  12. Poor dental hygiene
  13. Wearing inappropriate clothing for the season
  14. Unwashed hair or foul odors
  15. Dirty or unsafe home environment
  16. Rotten or insufficient food in the home
  17. Isolation or abandonment
  18. Failure to supervise someone with dementia
  19. Inaccessible bathroom facilities
  20. Refusal to let others provide help

🚨 SEXUAL ABUSE (UNWANTED TOUCHING OR BEHAVIOR)

  1. Bruising around breasts or genitals
  2. Torn or bloody undergarments
  3. Sexually transmitted infections
  4. Vaginal or anal bleeding
  5. Sudden withdrawal from social contact
  6. Fear of specific people or settings
  7. Inappropriate comments by caregiver
  8. Unexplained behavioral regression
  9. Discomfort with physical exams
  10. Attempt to run away or hide
  11. Reports of assault (even if inconsistent)
  12. Clutching or guarding genital area
  13. Incontinence without medical reason
  14. Sexual references beyond elder’s norm
  15. Reluctance to be alone with specific individual
  16. Refusal of care or hygiene assistance
  17. Sudden obsession with personal safety
  18. Frequent urinary tract infections
  19. Fear or confusion during touch
  20. Sexualized behavior out of character

👩‍⚖️ LEGAL & DOCUMENTARY RED FLAGS

  1. Sudden changes to estate plans
  2. Revocation of power of attorney under pressure
  3. Conflicting versions of wills or trusts
  4. Unavailable or missing legal documents
  5. Legal paperwork signed under suspicious circumstances
  6. Involvement of unqualified notaries or witnesses
  7. Newly appointed legal representatives with no connection to the elder
  8. Pre-signed blank forms
  9. Signing without reading or understanding
  10. Language barriers exploited during signing
  11. No copy of estate plan available to family
  12. Documents created in secrecy
  13. Misinformation provided to the elder before signing
  14. Family kept in the dark about legal decisions
  15. Unrecorded real estate transfers
  16. Changes to life insurance beneficiaries
  17. Trusts with unexpected terms
  18. Duplicate legal forms with altered content
  19. Dismissive responses to legal questions
  20. No clear reason for recent changes

🏠 SIGNS IN CARE FACILITIES OR AT HOME

  1. Staff reluctance to answer questions
  2. Elder seems overly medicated or sedated
  3. High staff turnover
  4. Complaints from other residents
  5. Lack of supervision
  6. Missing personal items
  7. Dirty living space
  8. Elder not participating in activities
  9. Staff ignoring elder’s basic needs
  10. Doors locked or restricted access
  11. Elder left unattended for long periods
  12. Inconsistent reporting of incidents
  13. Hostility from staff when questioned
  14. Understaffed facility
  15. Elder’s complaints dismissed by staff
  16. Lack of privacy or dignity
  17. Improper use of restraints
  18. Delay in medical treatment
  19. Mismatched medical records and observations
  20. Overuse of antipsychotic drugs

🧠 COGNITIVE DECLINE AND ABUSE VULNERABILITY

  1. Elder diagnosed with dementia or Alzheimer’s
  2. Frequent memory loss or confusion
  3. Paranoia or delusions
  4. Forgetting financial arrangements
  5. Repeating same questions
  6. Disorientation in familiar surroundings
  7. Wandering or getting lost
  8. Inability to identify family
  9. Hallucinations
  10. Trouble following conversations
  11. Easily manipulated or persuaded
  12. Inability to report abuse
  13. Fear of not being believed
  14. Loss of judgment
  15. Suspicious caregivers discouraging interaction
  16. Caregiver answers all questions for elder
  17. Elder appears coached
  18. Contradictory statements about recent events
  19. Cognitive test results not shared with family
  20. Confusion over identity of caregiver

💬 VERBAL DISCLOSURES & HINTS

  1. Elder states “they’re taking my money”
  2. “They hit me”
  3. “I’m scared”
  4. “I’m not allowed to leave”
  5. “I don’t know what happened to my things”
  6. “They said I’ll be punished if I tell”
  7. “I’m a burden”
  8. “I don’t want to live anymore”
  9. “They said not to tell you”
  10. “They yell at me”
  11. “I don’t feel safe”
  12. “I don’t understand what I signed”
  13. “They keep changing the rules”
  14. “They never listen to me”
  15. “They treat me like I’m stupid”
  16. “They make me feel bad for needing help”
  17. “They took my phone”
  18. “They won’t let me call anyone”
  19. “They told me I’m crazy”
  20. “They say no one cares”

🧩 BEHAVIORAL PATTERNS TO MONITOR IN CAREGIVERS

Monitoring caregivers closely is essential, especially when multiple signs of elder abuse are present across different categories.

  1. Defensive or hostile attitude
  2. Isolating the elder from others
  3. Speaking for the elder in all matters
  4. Constantly supervising conversations
  5. Overly controlling behavior
  6. Signs of substance abuse
  7. History of criminal behavior
  8. Unexplained affluence
  9. Discouraging visitors or phone calls
  10. Inconsistent stories
  11. Frequent absences or neglect
  12. High-stress responses to questions
  13. Lack of concern for elder’s wellbeing
  14. Overuse of medication
  15. Refusal to provide financial records
  16. Prior reports of abuse
  17. Denying access to basic resources
  18. Using fear to influence decisions
  19. Telling others “you don’t need to worry”
  20. Expressing resentment toward the elder

Recognize, Respond, and Protect: A Call to Action

Elder abuse can be subtle, manipulative, and dangerous. The more we understand the signs of elder abuse, the better we can protect our loved ones and hold wrongdoers accountable. This checklist isn’t just a reference—it’s a call to action. If you recognize multiple red flags, don’t dismiss them. Trust your instincts, gather documentation, and contact a trusted elder law attorney immediately.

At Hackard Law, we’re committed to advocating for vulnerable seniors and their families. If you suspect abuse or exploitation, let us help you uncover the truth and fight for justice.

Contact us for a confidential consultation.