A Massachusetts woman has been charged in federal court for allegedly siphoning government and pension funds tied to a person who died in 2019. The Office of theA Massachusetts woman has been charged in federal court for allegedly siphoning government and pension funds tied to a person who died in 2019. The Office of the

Massachusetts Woman Accused of Stealing $111,853 in Social Security and Pension Benefits From US Government

A Massachusetts woman has been charged in federal court for allegedly siphoning government and pension funds tied to a person who died in 2019.

The Office of the Inspector General says 60-year-old Gina M. Cummings has been charged with one count of bank fraud and released on conditions following her initial appearance before U.S. Magistrate Judge Jennifer C. Boal.

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Cummings is accused of running a scheme that unfolded over more than five years, after a Social Security beneficiary and pensioner passed away in August 2019.

Investigators allege that instead of reporting the beneficiary’s death to the Social Security Administration, the pension plan and the bank where the funds were deposited, Cummings took the money by forging the deceased person’s name on 84 checks to drain the account through recurring bill payments.

Prosecutors allege that from January 2020 through July 2025, Cummings continued receiving and accessing funds that should have stopped after the beneficiary’s death, ultimately collecting $111,853 in Social Security benefits, private pension payments and COVID Economic Impact Payments.

If convicted, Cummings faces a maximum sentence of 30 years in prison, five years of supervised release and a fine of up to $250,000.

Federal prosecutors emphasize that the charge is an allegation and Cummings is presumed innocent until proven guilty beyond a reasonable doubt in a court of law.

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