Common Social Security Scams and How to Stay Safe

Millions of people rely on Social Security benefits for retirement, disability, or survivor benefits.

However, Social Security fraud is a significant issue, as it undermines the program’s trust and takes resources away from those who genuinely need them.

This article will explain what Social Security fraud is, how to recognize it, and how to report it effectively.

What Is Social Security Fraud?

Social Security fraud occurs when someone provides false information or hides important details to receive benefits they’re not entitled to. Common examples include:

• Using someone else’s Social Security Number (SSN) to claim benefits.
• Continuing to receive benefits after the rightful recipient has passed away.
• Misusing funds intended for beneficiaries, such as guardians improperly managing benefits.

Fraud doesn’t just involve benefits abuse; scams also include impersonating Social Security Administration (SSA) employees to trick individuals into revealing personal information or making payments.

How to Report Social Security Fraud

If you suspect fraud, it’s essential to report it immediately. Here’s how:

1. Online: Visit the Office of the Inspector General (OIG) website at oig.ssa.gov to file a report directly.
2. By phone: Call the SSA Fraud Hotline at 1-800-269-0271 to report abuse, misuse, or fraudulent activities.

Privacy and Investigations

The OIG cannot provide updates on investigations after you file a report due to federal laws protecting privacy and sensitive information.

Common Types of Social Security Fraud

Fraud takes many forms. Here are some of the most frequent examples:

1. Identity Theft

Someone uses another person’s SSN to access benefits or engage in financial activities.

2. Misuse of Funds

Legal guardians might fail to manage benefits properly for those under their care.

3. Phone Scams

Scammers posing as SSA employees may call to request personal information or payments.

Tips to Prevent Identity Theft

Protecting your Social Security number is crucial to avoiding fraud. Here are simple steps to safeguard your information:

• Avoid carrying your Social Security card: Only bring it when necessary.
• Create a my Social Security account: Monitor your benefits and detect any suspicious activities.
• Lock your records: Request eServices to be blocked, ensuring no unauthorized changes can be made.

If your account needs unlocking, visit a local SSA office for assistance.

What To Do If You Suspect Identity Theft

If you believe your SSN has been misused, act quickly:

1. Contact the Federal Trade Commission (FTC): Visit www.ftc.gov/idtheft or call 1-877-IDTHEFT to report identity theft.
2. Review your records: Use your my Social Security account to check payments and personal data for irregularities.

How to Safeguard the SSA’s Resources

Protecting Social Security benefits requires vigilance from everyone. Here’s how individuals can help:

• Stay informed: Learn about scams and recognize dishonest behavior.
• Monitor funds: If you manage benefits for someone, ensure they are used appropriately and report misuse.
• Spread awareness: Encourage others to report fraud and keep their information secure.

Fraudsters often impersonate SSA employees to steal personal data. By understanding their tricks, you can avoid falling victim to scams.

Social Security fraud impacts everyone by misusing resources meant for those in need. By being proactive, reporting suspicious activities, and following safety tips, you can protect yourself and help preserve the program’s integrity.

Whether you’re securing your SSN, setting up alerts, or reporting scams, small actions can make a big difference in preventing fraud. Together, we can keep Social Security benefits safe for millions of people who depend on them.