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Seniors Legal Rights

The following is a table of contents for the Seniors Legal Rights Handbook. You may click on the headers for more information on that topic.

Consumer Protection

  • Beware of Fraud
    • Clues to a Con
    • "You-Have-Won" Calls and Mail
    • Lotteries
    • Home Improvement Scams
    • Business Opportunities
    • Contests
    • Sweepstakes
    • Recovery Companies
    • Chain Letters
    • Bank Scams
    • Look-a-Likes
    • Work-at-Home
    • Advance Fee Schemes
    • Pen Pal Schemes
    • Credit Card Scams
    • Door-to-Door Sales
    • Cashier's Checks and Money Orders Are Not Always Secure!
  • Identity Theft
    • Reduce Your Risk of Identity Theft
    • What to Do if You're a Victim
  • Consumer Rights
    • Three-Day Cooling-Off Law
    • Writing a Complaint Letter
    • Filing a Consumer Complaint
    • Legal Action
    • The Attorney General's Office
    • Get the Most for Your Money
  • Reducing Telemarketing Calls
    • Not All Telemarketing Calls Are Blocked - Important Exemptions
    • Avoid "Do Not Call" Scams
  • Reducing Unwanted Mail
    • Stop Pre-Approved Credit Card Offers
    • Put Your Name on Direct Marketing Association's ("DMA") Mail Preference Service List

Charitable Giving

  • Know Where Your Money Goes

Investments and Lending

  • Careful Investing
  • Investment Fraud
  • Predatory Lending

Health Care

  • Medicare and Medicaid
    • Medicare
    • Medicare Supplement Policies
    • Medicare Part D Prescription Drug Benefit
    • Medicaid (Medical Assistance)
    • Watch Out for Insurance Scams
  • Health Products
    • Prescription Drugs
    • Hearing Aids
    • Health Care Directives
  • Nursing Home Care
    • Nursing Home Admission Contracts
    • Nursing Home Rates
    • Patients' Bill of Rights
    • Home Care Bill of Rights
  • Schemes and Scams
    • Medical Quackery
    • Medical Alert Systems
    • Alternative Medicines
    • Cataract Surgery

Planning Ahead

  • Planning for Incapacity
    • Formal Arrangements
    • Guardianship and Conservatorship
  • Planning for Your Estate
    • Wills
    • Living Trusts
    • Living Trust Mills
  • Planning a Funeral
    • Consumer Safeguards

Human Rights

  • Age Discrimination

Protection Under the Law

  • Crime Victims' Rights
    • Assistance for Crime Victims


  • Telephones
    • Inside Wire Insurance
    • Reduced Cost Telephone Service
    • Telephone Services for the Communication Impaired
    • Blocking 900 Numbers
    • Slamming
    • Cramming
    • Other Phone Service Options and Concerns
    • Cell (Wireless) Phones
  • Energy
    • Disconnection of Utility Services
    • Cold Weather Rule
    • Energy Assistance Program


  • Sample Letter to Restrict Sharing Information
  • When a Charity or Fund-raiser Calls, Ask Questions and Take Notes!
  • Referral Guide

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Probate and Planning

The process of planning ahead for the end of life is something that many want to avoid. Although planning for such a time may not be comfortable, it is an important step to help those who will care for you and your affairs. This handbook addresses wills and the probate process. Next, it describes living trusts, conservatorships, and powers of attorney. Finally, it addresses health care directives and planning a funeral.

Seniors' Guide to Fighting Fraud

This guide will inform you about the common scams aimed at seniors and the steps consumers can take to thwart the swindlers.

Door-to-Door Sales and Telemarketers that Target Seniors

Senior citizens make up one-twelfth of the population in Minnesota, but are often disproportionately targeted for fraud over the telephone and at their doorstep. The Attorney General's Office gives Senior citizens the following advice when it comes to unsolicited door-to-door callers and telemarketers.