Social Security scams are among the most common and financially devastating forms of fraud, particularly targeting seniors and individuals with disabilities. With over 70 million Americans relying on Social Security benefits, scammers exploit confusion and fear to trick victims into handing over personal information or money. Understanding how these scams work and knowing what to look out for can help protect yourself and your loved ones.
Common Social Security Scams
1. Impersonation Calls
The most widespread scam involves fraudsters impersonating officials from the Social Security Administration (SSA). Victims receive phone calls where the scammer claims there is an issue with their Social Security number (SSN) — such as it being suspended due to suspicious activity, or linked to a crime. The caller may threaten arrest, loss of benefits, or legal action unless immediate action is taken, such as providing your SSN or paying a fine through gift cards or wire transfers.
2. Phishing Emails and Text Messages
Scammers also use fake emails or text messages (phishing) that appear to come from the SSA. These messages may contain links to phony websites designed to steal personal information or install malware. They might say you need to “verify your information” to avoid suspension of benefits or to receive a cost-of-living adjustment.
3. Fake Social Security Websites
Fraudsters create websites that look like official SSA pages but are actually traps to collect sensitive information like your SSN, date of birth, or banking details. These sites often promote services such as benefit increases or early retirement eligibility — all for a fee. The official SSA, and it never charges for standard services like applying for benefits or updating your information.
4. Benefits Fee Scams
In this scheme, scammers offer to help individuals apply for or increase their Social Security benefits in exchange for a fee. They may ask for upfront payments and then disappear or file false claims that cause your legitimate benefits to be delayed or misdirected.
Red Flags to Watch For
- Threatening language or urgent demands. The SSA does not threaten legal action, suspend numbers, or demand immediate payment.
- Requests for gift cards, wire transfers, or cryptocurrency. These are sure signs of a scam.
- Unsolicited calls, texts, or emails asking for personal details.
- Pressure to keep the call or request secret.
How to Protect Yourself
- Don’t answer unknown calls. If you do, never provide personal information.
- Verify with the SSA. Hang up and call the official SSA number: 1-800-772-1213.
- Set up a “my Social Security” account to monitor your benefits.
- Report scams to the SSA Office of the Inspector General at oig.ssa.gov.
Conclusion
Social Security scams prey on fear, confusion, and trust in government institutions. Staying informed, skeptical, and vigilant is the best way to protect yourself. Remember, the SSA will never call, email, or text you asking for your SSN or demanding payment. When in doubt, always contact the SSA directly to verify any communication. Staying alert could save you — or someone you care about — from becoming the next victim.
