The Social Security Administration estimates that scammers are calling thousands of Americans every day, looking to wangle personal information, steal benefits or both. It’s a common form of government impostor scam, in which thugs pose as officials to get you to send money or give up personal data for use in identity theft.
The Federal Trade Commission reported a surge in late 2018 in scams involving fake SSA employees calling elders and caregivers with warnings that their Social Security numbers are linked to criminal activity and suspended. The thieve asks you to confirm your number so they can reactivate it or issue you a new one, for a fee. This is in fact, no emergency but a ploy to get money and personal data: Social Security does not suspend numbers, ever.
This con is sometimes executed via robocall — the recording gives you a number to call to remedy the problem. In another version, the caller says your bank account is at risk due to the illicit activity and offers to help you keep it safe.
On the other hand, you might get a call from a supposed SSA representative bearing good news — say, a cost-of-living increase in your benefits. To get the extra money, you just have to verify your personal information including your Social Security number.
Armed with those identifiers, scammers can effectively hijack your account, asking SSA to change the address, phone number and direct deposit information on your record and thus diverting your benefits.
Organizations such as Consumer Reports warns of another trick with an ironic twist: Fraudsters send out emails similar from SSA and instruct you to click a link to register for a free service that protects you from Social Security fraud. It’s actually a garden-variety phishing scam, designed to guide you to a fake government website that will steal your information.
With a little vigilance, Social Security scams are not difficult to identify and avoid.
- You get an unsolicited call from someone claiming to work for SSA. Except in rare circumstances, you will not get a call from Social Security unless you have already been in contact with the agency.
- The caller asks for your Social Security number — again, something an actual SSA employee wouldn’t do.
- A call or email threatens consequences, such as arrest, loss of benefits or suspension of your Social Security number, if you do not provide a payment or personal information.
The best way to prevent Social Security Fraud is keeping informed of scams and always be aware of changes and advises, straight from the Social Security Administration’s website www.socialsecurity.gov
The AARP Portal recommends the following:
- Do hang up if someone calls you out of the blue and claims to be from Social Security Administration.
- Do be skeptical if a caller claims to be an “officer with the Inspector General of Social Security.” Scammers appropriate official-sounding and often actual government titles to make a ruse seem authentic.
- Do set up a ‘My Social Security’ account online and check it on a monthly basis for signs of anything unusual, even if you have not yet started collecting benefits.
- Do install a robocall-blocking app on your smartphone, or sign up for a robocall-blocking service from your mobile network provider.
- Don’t call a phone number left on your voice mail by a robocaller. If you want to contact Social Security Administration, call the customer-service line at 800-772-1213.
- Don’t assume a call is legitimate because it appears to come from 800-772-1213. Scammers use “spoofing” technology to trick caller ID.
- Don’t give your Social Security number or other personal information to someone who contacts you by email. SSA never requests information that way.
- Don’t click links in purported Social Security Administration emails without checking them. Mouse over the link to reveal the actual destination address. The main part of the address should end with “.gov/” — including the forward slash. If there’s anything between .gov and the slash, it’s fake.