We recently talked about the “Claim Your COLA” scam — where fraudsters try to trick retirees into “activating” their Cost-of-Living Adjustment. Unfortunately, that’s only one of several scams that surface this time of year, when attention is high on Social Security payments and policy updates.
Scammers know that COLA season brings confusion and curiosity. They take advantage of that by pretending to be government representatives, sending emails, texts, or letters designed to look official. Here are a few of the most common tactics:
1. “Confirm Your Payment Schedule”
Fraudsters may claim they need to “verify” your date of birth, bank account, or Social Security number to confirm when your COLA increase will arrive. The SSA never asks for personal details this way.
2. “You’re Owed an Additional Adjustment”
Some messages suggest you qualify for extra funds — but only after confirming private information. This is a classic bait-and-trap designed to steal your identity or bank data.
3. “Policy Changes Due to a Government Shutdown”
Scammers sometimes exploit headlines, claiming a shutdown or funding delay has changed how benefits are issued. These messages are false and often lead to phishing sites.
4. “Fee-for-Service Help”
Be wary of anyone offering to “expedite” your COLA or handle Social Security paperwork for a fee. There are no shortcuts — and official help from SSA is always free.
If you ever receive a suspicious message, don’t respond or click any links. Contact the Social Security Administration directly at 1-800-772-1213 or visit them online for accurate information.
A little skepticism goes a long way — especially during COLA season, when scammers are most active.