You receive an unexpected communication from the Social Security Administration (SSA). It might warn that your Social Security number has been linked to criminal activity and suspended, or it could offer good news, such as a supposed benefit increase. Regardless of the story, the goal is the same: to steal sensitive information or money.

Most scams come to us with three common red flags: a contact from out of the blue that heightens our emotions and contains urgency. When you notice these three red flags together, take what AARP calls an “active pause.” Take an intentional step back and reflect on what you might know about the scenario – “Does this make sense? Have I heard something about this before?” This pause gives you time to apply logic—something the criminal playbook is written to avoid—and protect yourself and your assets.

If someone contacts you saying they represent the SSA, call the agency directly at 800‑772‑1213 or visit ssa.gov/myaccount instead of responding directly to the communication. If you shared your Social Security number and believe it was part of a scam, go to IDtheft.gov for step-by-step guidance.  

Learn how to spot and avoid scams with AARP Fraud Watch Network™. Suspect a scam? Call our free helpline at 877-908-3360 and talk to one of our fraud specialists about what to do next. 

Need a scam prevention speaker for your group? Send an email to me@aarp.org.