As we approach the holiday season, the scammers come out in full force — and unfortunately, veterans are among their favorite targets. While these scams can affect anyone, veterans and their families are especially vulnerable because of the trust placed in organizations claiming to represent the Department of Veterans Affairs (VA). 

One recent scheme involves a “special offer” for VA insurance. The mailer looks official, but nowhere does itactually say it is from the U.S. Department of Veterans Affairs. Another common trick involves phone calls or emails claiming to be from the VA, insisting you were “overpaid” and must send money back immediately. These messages are fraudulent, the VA will never contact you that way to demand repayment. 

Older veterans and surviving spouses are also being targeted by individuals who promise to “increase your benefits” or “boost your pension” for a fee. Then there are the “too good to be true” refinancing offers for VA home loans, often designed to extract personal information or charge hidden fees. New “veterans’ charities” also appear this time of year, urgently requesting donations or personal data. Always verify any charity before giving. 

While not technically scams, some individuals (stating they are associated with the VA) claim they can “guarantee” success when filing a VA claims. In most cases, veterans do not need to pay anyone to file a claim. There are many reputable, free ways to get help. 

Veterans can go directly to the Veterans Benefits Administration (VBA) office at Togus or meet with representatives on the fourth Friday of each month at the Mid-Coast Veterans Resource Center (MCVRC) on Brunswick Landing, opposite P-3 Park. The Maine Bureau of Veterans Services also has offices atTogus and throughout the state, including at the MCVRC on the fourth Wednesday of each month. 

Veterans service organizations have accredited officers who can represent you through the entire claims process — free of charge. The Disabled American Veterans (DAV), Veterans of Foreign Wars (VFW), American Legion, and Paralyzed Veterans of America (PVA) all have offices at Togus. The DAV also provides assistance at the MCVRC on the second Wednesday of each month. 

If you choose to use a VA-accredited attorney or agent, verify their credentials online at www.va.gov/ogc/apps/accreditation.By law, accredited representatives cannot charge for helping you file an initial claim. If an appeal is required, fees typically range from 20% to 33⅓% of any back pay awarded, and the agreement. mustbe in writing.  The process starts by using VA Form 21-22a to have them “officially” represent you. Before signing anything, make sure you understand the process, the fees, and your alternatives. 

If you’re ever unsure, call the VBA directly at (800) 827-1000 or contact me, I’ll gladly connect you with the right VBA expert. 

As we move into the holiday season, stay alert. If a deal or offer sounds too good to be true … it probably is.