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September 24.2025

2 Minutes Read

Spotting and Avoiding Scams Related to the 2026 Social Security COLA

Close-up of Social Security card with U.S. Treasury checks.

Protect Yourself: Identifying Social Security Scams

As Social Security beneficiaries anticipate changes like the upcoming 2026 COLA, they must be vigilant about potential scams. Fraudulent schemes are on the rise, specifically targeting seniors who may be unaware of the tactics con artists use.

Common Scams Targeting Seniors

Scammers often impersonate Social Security officials, phone or email beneficiaries claiming that their Social Security number has been suspended and demanding personal information. It’s essential to recognize these tactics. Official communications from the Social Security Administration (SSA) will never include a request for sensitive information over the phone or through unsolicited emails.

The Emotional Toll of Scams

For older adults, falling victim to scams can lead to significant emotional distress. The fear of financial ruin, coupled with the embarrassment of being deceived, often affects victims on multiple fronts. Recognizing the emotional impact is just as crucial as understanding the financial ramifications.

Precautions to Take Immediately

Staying informed is the best defense against scams. Here are few actionable tips:

Always verify the identity of anyone claiming to be with the SSA by calling their official number.
Sign up for alerts from the SSA to stay informed about your benefits and any upcoming changes.
Educate friends and family members about the signs of scams, potentially sparking conversations that can lead to preventive actions for others.

What To Do if You’re a Victim

If you suspect that you’ve been scammed, report it immediately to the SSA and the Federal Trade Commission (FTC). Acting quickly not only helps you perhaps recover lost funds, but it allows authorities to track and potentially stop ongoing fraud attempts.

Why This Matters to Communities Like Muskegon

For residents in Muskegon, being aware of these scams is critical, especially as many seniors may rely heavily on Social Security benefits. Staying informed about the application process and recognizing potential hazards in retaining those benefits can help them navigate their retirement with confidence. On top of knowing the right steps to apply for Social Security benefits, understanding how to protect oneself against scams enhances financial security in an already challenging landscape.

In our ever-evolving financial landscape, the responsibility lies on all of us to not only safeguard our own interests but to help the most vulnerable individuals within our communities.

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