With the holidays on the horizon, advocates are reminding older Marylanders to watch out for scams during the upcoming season.

Federal Trade Commission data through the first nine months of this year show more than 30,000 reported incidents of fraud in Maryland.

The most common type of consumer fraud in the state is the impostor scam, carried out online or on the phone either via voice call or text message, where a person pretends to represent a government agency, bank or credit card company.

Jen Holz, associate state director of outreach for AARP Maryland, said if they are contacting you, do not give out your information.

"Never, ever, ever give any identifiable information to anyone over the phone who has contacted you," Holz advised. "If you're not sure, and you think that this could be legitimate, go and look up the number to your bank or to your credit card company and call them back directly. And then say, 'Hey, did you call me? Is there a problem with my account?'"

The FTC ranks Maryland fourth in the nation for impostor scams. AARP Maryland hosts fraud-education events online in addition to periodic document-shredding events. For more information on both, visit AARP.org/MD.

As artificial intelligence has become more accessible to the masses, fraudsters have kept up. One of the most common impostor scams targeting older adults is the so-called "Grandparents scam" where the caller poses as a loved one in crisis, needing money. Current technology enables scammers to not only sound like a loved one, but with caller ID spoofing, even the phone number appears legitimate.

Holz added scammers often attempt to get paid in ways that are hard to trace, including cryptocurrency or gift cards.

"If they ask you for a gift card or to go buy a gift card to pay off a debt, then you know instantly without a shadow of a doubt, it is a scam," Holz stressed. "Gift cards are for gifts. They are not for payments."

In addition to impostor scams, the FTC tracks numerous types of fraud including online shopping, investments, job opportunities, debt management, sweepstakes, even office supplies. Holz pointed out the fraudsters are professionals and there are scams out there targeting just about anyone.

"Because these professional scammers are so good at what they're doing, it's happening to people of all types," Holz explained. "All levels of education, all ages, and what AARP is really trying to do is implement, this anti-victim shaming culture change if you will, to make sure that we're talking about the scammers as the problem and not the folks who have had this happen to them."

Congress faces increasing pressure to adopt changes to keep Social Security on firm financial ground in the years to come.

North Dakota retirees are sharing their thoughts about key challenges facing the program. It is not losing money as fast as once thought but a recent federal report predicted Social Security will be unable to pay full benefits a decade from now if moves are not made ahead of time.

Eddie Johs, a retiree from Fargo and an AARP volunteer, receives Social Security benefits in addition to a pension. He feels he is one of the lucky ones who does not rely solely on monthly payments from the safety net.

"I realize many people don't have a pension," Johs noted. "Social Security is just a lifeline for those people."

He said some self-employed individuals and those receiving lower wages face barriers in securing larger nest eggs. Johs will attend a Social Security Summit hosted by AARP next Tuesday at the Fargodome from 10 a.m. to 2 p.m. He hopes fellow retirees listen in to what elected officials and others have to say about potential solutions and the program's impact.

Congress has long been at odds over how to address the solvency issue. Democrats often push for higher earners to be taxed on more of their income, while some Republicans have floated raising the retirement age. Johs suggested a variety of changes are likely needed but he is skeptical about asking people to work longer for the benefits they've earned.

"People that work construction or work outside, city employees, that'd be tough to work at age 65 and up when you do outdoor physical work," Johs stressed.

Currently, the full benefit retirement age is 66 for those born in 1955, and it will gradually rise to 67 for those born in later years. In the U.S. House, the Republican Study Committee has called for what it describes as "modest adjustments" to the retirement age to account for increases in life expectancy.

As advocacy groups take a victory lap for moving lawmakers to finally allow Medicare to negotiate lower prices for 10 widely-used medicines, a new report detailed how the makers of those drugs have gouged billions of taxpayer and consumer dollars.

Kyle Herrig, senior adviser for the group Accountable.US, said drugmakers have exploited U.S. patent laws to control prices for decades.

"These kinds of tactics keep prices high for the consumers," Herrig pointed out. "And often lead to patients skipping doses, disproportionately impacting lower-income Black and Latin American communities."

Drugmakers have routinely paid competitors to delay the introduction of cheaper generic versions of popular drugs. They have also kept prices high by resetting patent protections by slightly altering a drug to secure a second patent. Drug companies have long argued high prices are necessary to finance the development of new lifesaving medicines.

Even though U.S. taxpayers invested nearly $12 billion in the research and development of the drugs negotiated by Medicare, Herrig said pharmaceutical makers have also flooded the courts to keep prices high.

"Despite taking billions of taxpayer dollars for drug development, these big pharma companies unleashed an army of patent attorneys to keep lifesaving medication exclusive and more expensive for seniors and other patients," Herrig contended.

Sen. Amy Klobuchar, D-Minn., worked with groups including AARP to push Congress to allow Medicare to use its purchasing power to bring down drug prices. She said medications do not work if you cannot afford them.

"It is fine to make profits, but not to the extent that you're actually hurting Americans' health," Klobuchar asserted. "In the United States of America, no one should be forced to choose between filling their prescriptions or filling their grocery carts."

Oregon has more than 270,000 veterans. Many of them may not know they're eligible for home modification grants through the U.S. Department of Veterans Affairs. An AARP survey found 60% of veterans aged 45 and older weren't aware of grants available through the VA.

Juanita Jimenez-Soto, AARP national veterans and military families manager, said her organization analyzed five grants from the VA and developed a guide to help veterans navigate through them.

"They allow you to buy, build or modify a home to meet their long term needs. Now these grants provide eligible veterans with a disability rating of one all the way to 100% up to $117,000 to pay for renovations," she explained.

Jimenez-Soto noted financial aid for home modifications are free for people who qualify. The VA offers more than $150 million through these grant programs each year.

AARP's survey also found that nearly a quarter of veterans say they would need financial aid to stay in their current home. Jimenez-Soto added that it's important for people to think not just about their current needs but also what they might need in the future.

"We find that a lot of times veterans may not need that modification - that handrail in the bathroom or that ramp - but as you age your body will change sometimes," she continued.

Jimenez-Soto said veterans need to remember they earned these benefits.

"Sometimes a veteran may not think that they are deserving of those benefits. Maybe someone else who's also served, they think, 'Well they could need it more.' The thing is, there is enough money out there in these programs to apply for them and get them," she said.