How to Protect Yourself from Social Security-related Scams

Your Social Security number (SSN) is the master key to your financial identity, and it should not get into the wrong hands. It can be used to open credit lines, drain bank accounts, and even receive medical, Social Security, and other benefits in your name. 

As we enter the age of artificial intelligence, staying informed about evolving scams and digital safety has become a critical necessity. In this article, you will learn how to identify, prevent, and recover from a scam.

Understanding the Anatomy of a Modern Social Security Scam

Most scammers rely on the following four pillars of manipulation:

Impersonation

Scammers usually pretend to be from the Social Security Administration (SSA), the Office of the Inspector General (OIG), or even the FBI. They often use “spoofing” technology to make your caller ID display the official SSA hotline (1-800-772-1213).

The Crisis or the Prize

The scammer may claim that your identity has been stolen or that your SSN was found in a “crime scene.” You are pressured to act immediately to prevent suspension of your benefits or arrest.

The scammer may also use a greed-based tactic, claiming that you have been selected for a “cost-of-living” raise or a bonus payment. You are asked to “confirm your details” or “pay a small processing fee” to get the extra benefits.

Artificial Urgency

Scammers use threats such as immediate arrest, freezing of your accounts, or other legal actions if you do not cooperate instantly.

Payment Request

You are asked to move your money to a “government-safe account.” The scammer may also ask you to pay a “reinstatement fee” via gift cards, cryptocurrency, or wire transfers.

Emerging Threats in 2026

AI Voice Cloning

You may receive a call that sounds exactly like a legitimate government representative or even a family member in distress. This is often done to bypass your natural suspicion.

The “Legal Document” Phishing

You may receive digital court summonses or SSA letters that often contain malware links. When you click the link, it can install tracking software on your device.

Social Media Impersonation

Scammers create fake social media profiles and reach out via direct messages to assist you with your benefit claims or issues.

How to Stay Safe

Guard Your Physical and Digital SSN

Never carry your Social Security card in your wallet. Ask the following questions if someone requests your SSN at a doctor’s office, gym, or business:

• Is this required by law?
• What is your privacy policy for storing it?

Shred any document that contains your SSN.

Verify, Don’t Trust

Hang up immediately if you receive a suspicious call, and do not use any “callback” number the caller provides. If you need any information, dial the official SSA number: 1-800-772-1213. Only trust websites that end with .gov.

Use Official Digital Tools

Claim your identity before someone else claims it by creating your account at ssa.gov/myaccount. This account allows you to monitor your earnings history and ensure no one else is using your number for employment. Use the Department of Homeland Security’s “Self-Lock” feature to prevent anyone from using your SSN for employment eligibility verification.

What to Do if You are Scammed

Take the following steps if you have been scammed:

• Visit oig.ssa.gov to report the scam.
• Contact IdentityTheft.gov for a step-by-step recovery plan.
• Contact one of the three major credit bureaus for a credit freeze.
• Notify your financial institutions immediately.