Social Security benefits are vital for millions, providing support for retirement, disability, and survivors. However, Social Security fraud threatens the program’s fairness and the resources meant for those in need. Understanding how fraud happens and taking steps to prevent it can safeguard the system.
What is Social Security Fraud?
Social Security fraud occurs when someone provides false information or hides facts to claim benefits they are not entitled to. Some common types include:
- Using another person’s SSN to claim benefits.
- Continuing to collect payments after the rightful beneficiary has died.
- Misusing funds meant for a beneficiary, such as legal guardians failing to manage funds properly.
How to Report Fraud to the SSA
If you suspect fraud, report it immediately to protect the system. Here’s how:
- Online: Visit the Office of the Inspector General’s website to submit a report.
- By phone: Call the fraud hotline at 1-800-269-0271 for direct reporting.
Note: After filing a report, details of the investigation remain confidential due to federal privacy rules.
Common Types of Social Security Fraud
Fraud extends beyond false benefit claims. Watch out for these scams:
- Identity Theft: Using another person’s SSN for benefits or financial activities.
- Misuse of Funds: Guardians failing to use benefits correctly for the intended individual.
- Phone Scams: Fraudsters impersonating SSA employees to steal personal data or demand payments.
Preventing Identity Theft Related to Social Security
Protecting your Social Security number (SSN) is critical to avoiding fraud. Follow these tips:
- Avoid carrying your Social Security card unless necessary.
- Set up a “my Social Security” account to monitor your records and detect unusual activity.
- Lock your records by requesting eServices blocking through the SSA.
What to Do If You Suspect Identity Theft
If you believe your SSN is being misused:
- Contact the FTC: Visit ftc.gov/idtheft or call 1-877-IDTHEFT to report identity theft.
- Check your records: Review your “my Social Security” account for irregularities.
Fighting Social Security Fraud: Why It Matters
Fraud undermines the integrity of the Social Security system. By learning about scams, protecting personal information, and reporting suspicious activity, everyone can help preserve this essential resource. Awareness is the key to reducing scams like phone impersonations and benefit misuse.
What is Social Security fraud?
Social Security fraud occurs when someone lies or hides facts to get benefits they don’t deserve, such as using someone else’s SSN.
How can I report Social Security fraud?
You can report it online at oig.ssa.gov or by calling 1-800-269-0271.
What are common scams involving Social Security?
Common scams include identity theft, phone scams by impersonators, and misuse of benefits by guardians.
How can I protect my Social Security number?
Avoid carrying your card, set up a secure account on the SSA website, and lock your records when not in use.
What should I do if my SSN is stolen?
Report it to the FTC, review your Social Security records, and monitor for unauthorized activity.
