A plain-language guide for seniors and caregivers. General education only — not individual financial or legal advice.
An unexpected call, text, email, letter, or social media message claiming to be Social Security. Pause first. Do not reply right away.
Do not share your Social Security number, bank details, or passwords because someone unexpectedly asks for them. Social Security does not ask for sensitive information through social media, email, or text.
Real logos, real-sounding names, and caller ID can be faked. An official-looking message is not proof it is really from Social Security.
Threats, urgency, and “act now” demands are warning signs. Do not send money, gift cards, cryptocurrency, or a wire transfer to “protect” your money or stop a supposed suspension.
Do not click links in an unexpected message. Do not use a number given in that message. Type the official address yourself, for example ssa.gov/scam, or go directly to your my Social Security account.
Report suspected Social Security scams at ssa.gov/scam. Report other scams and fraud to the FTC at ReportFraud.ftc.gov. Your report helps others spot the same pattern.
Check ssa.gov/scam and ReportFraud.ftc.gov for official guidance. If you are unsure, talk to a trusted family member, your bank, or a local help service before acting.
Explore our visual guide and then read the full article on Senior Money Guide USA for warning signs, checklists, and what to do next.
General education only. Related reading: Beware ‘Activate Your COLA’ Calls and Texts.