March 17, 2026
Scammers Looking To Take Your Senior Benefits
Scams related to senior benefits, such as Social Security and Medicare, have increased substantially. Learn about these scams, what to look for, and how to protect yourself.
Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).
Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.
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WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial,
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legal counseling, professional service, or any advice. You should seek
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the services of competent professionals before applying or trying any
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suggested ideas in The information contained in this podcast is
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intended for informational purposes only and is not a substitute
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for individual professional legal advice. The podcast information was carefully
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compiled from vetted sources and references. However, Rose resources outreach
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to safeguard the elderly cannot guarantee that you will not
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fall victim.
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To a scam.
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Let's talk about scams. It's the must listen show for
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anyone who wants to protect themselves and their loved ones
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from scams. Every Tuesday am Pacific time on K four
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HD Radio, Joyce Petrowski, founder of Rose, and her guests
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will provide valuable insights and practical tips on how to
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recognize and protect yourself from scams. And now here is
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your host, Joyce Petrowski.
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Welcome back everyone to let's talk about scams. I'm Joyce Petrowski,
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founder and board president of Rose Resources Outreach to safeguard
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the elderly. You can find more information on our website
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at Roseadvocacy dot org. You'll find our events listed there.
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You can schedule are schedule a presentation tab. You'll also
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find our social media links there at the top of
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the homepage, and if you scroll down to the bottom,
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you can see where you can sign up for our
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emailed newsletter and we also send one out in the mail.
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You can sign up for one or both, and you
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can also download our safety checklist as well. So today
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I want to talk about senior benefits that scammers are
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always looking to.
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Take from us.
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Unfortunately, I found an article that was written just a
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couple of days ago by Katie Willis. It's on through
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WSM on the MSN site and it's titled Senior Benefits
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Fraud is up sharply in twenty twenty six and this
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all deals with government scams. So the Social Security and
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Medicare are two of the top ones that scammers will
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impersonate do government imposter scams targeting people on Medicare and
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Social Security. The government impersonation complaints to the Federal Trade
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Commission rose twenty five percent in twenty twenty five. I
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believe that's taken from the fiscal year ending June of
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two thousand and twenty five to there were more than
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three hundred and thirty thousand complaints, with the Social Security
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Office being the most impersonated federal agency. And remember these
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stats that I'm going to give you today from this
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article or from the Federal Trade Commission. I know we
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always take our stats from the FBI, but you can
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report to the Federal Trade Commission as well, and that's
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where these stats today are coming from. So let's get
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into a few of them. But just keep in mind
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that the government personation scams, yes, they go out to
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millions of people, but through a variety of different ways
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scammers figure out your information. So the first one we're
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going to talk about is Medicare card phishing call. So
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just know that, for instance, like if a health insurance
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or not specifically health insurance, but a health related company
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were to get hacked or breached, how much of your
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medical information then could be out there being sold to
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scammers And now they can use that information to have
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even more targeted calls towards you. So the Medicare card
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phishing call, So the script usually goes like this. The
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caller tells you that Medicare is issuing updated cards with
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new security features. Yeah, that doesn't seem too far fetched, right,
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there are certain instances where Medicare would issue new cards.
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And with all of the fraudulent activity going on in
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a wide variety of areas today and all the scams,
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a lot of companies are increasing their security features, so
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why wouldn't you know government offices do the same, So
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this isn't far fetched. But they're saying you need to
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verify your identity before years can be mailed, and so
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you know, they want you to give your data, birth,
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your SOLF security, your Medicare, you know, identify your number,
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a bunch of different things, just to confirm that it
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is you that we're actually talking to. Sometimes the scammer's
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going to say your current card has been compromised and
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a replacement card is being processed. Again, they need to
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verify you with this personal identifiable information. So, as of
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the writing of this article a few days ago, there
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are no plans to issue new Medicare cards to all members.
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This year, you'll get a new card if you ask
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for a new card. For instance, maybe you lost yours
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and you've requested a replacement card. Or if someone is
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committed fraud using your name in Medicare information and you've
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reported it, then they're going to issue you a new card,
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but they don't call you to verify your identity before
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mailing anything. Medicare does not do that. And what damage
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can be done? You know, if a scammer gets your
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Medicare number and we always tell people your Medicare number
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is personal identifiable information, well they can build Medicare for
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fake surgeries, prescriptions, medical equipment, doctor's visits, all kinds of
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things in your name in Medicare number.
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And yet it.
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Drains the system because it's fraudulent charges. But it also
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can have a major effect on your medical records that
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might affect something down the road, and you might not
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find out for months until you get your explanation of benefits.
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And that's if you then.
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Look at your explanation of benefits. Some people just get them.
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They know what it is, and they just open it
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and they're like, Okay, I know what it is. You know,
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I'm going to just file it away and they don't
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even look at it. But this is another reason why
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you should always look at your explanation of benefits and
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make sure that the charges that are on there are
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actually yours. And if they're not, you want to go
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directly to Medicare, the one eight hundred Medicare and call
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them and report that there's been fraudulent activity on your account.
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And you also, you know, say you get that phishing
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phone call saying that they're from Medicare, just because the
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caller ID shows up Medicare or shows up one eight
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hundred Medicare on your phone, that does not mean it's
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actually Medicares. Scammers have been able to spoof caller ID
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for years and now they're able to spoof the phone
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number as well to make it all the more legitimates.
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So don't answer. You can if you have an online
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account with Medicare, you can go on and you can
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check things out that way. You can call Medicare yourself.
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Just pull your card out the phone numbers right there
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and call the phone number on there.
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And yes you are.
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You know, you're going to have to give them your
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information to verify yourself, but then they can tell you
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what's going on. But the other thing is, this is
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why it's always good to have a Medicare agent, because
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you can then always talk to your Medicare agent.
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They know, you know, not only the new.
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Policies that come out, the new plans that come out,
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any changes that are made. Medicare agents are required to
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learn all of this stuff every year, and they're in
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the process us of learning, probably learning it right now
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or soon, you know, I'm not exactly sure when they
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get all this information, but they will have all of
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it and they will know all of the new plans
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and the changes by the time annual enrollment comes up
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in October, which I believe it's October fifteenth to December seventh. Now, yes,
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you you know, can call them, and you know because
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you might have friends or family say hey, I got
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this new plan and I'm saving all this money.
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You should change.
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Please don't change just because someone told you that it's
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the greatest thing since slice spread.
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Just always talk to your agent.
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They know your situation, they know your health history, and
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they are the ones that are going to be able
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to tell you whether that new plan or what changes
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in a plan are going to actually work for you.
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So you know don't have a Medicare agent. Talk to
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your friends and family and find out who they use
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and who they trust, and then talk to that to agent.
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So just know that Medicare does not issue new Medicare
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cards on a whim. If you've requested a new one,
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then they'll a replacement one.
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They'll send it to you.
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If there's been medical a fraud on your account, then
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they'll send you a new Medicare card. But they're not
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going to call you and ask you to verify your
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information in order to get your new card. Another scam,
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the government scam that has increased a lot, is the
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Social Security And every year we have what's called it's
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COLA for shorts coo LA, it's the cost of living
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adjustment and this one is called the fake cost of
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living activation message. So every year Social Security announces its
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annual cost of living adjustment and when that comes out,
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scammers are going to build those campaigns within days.
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There.
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You know, you get a text message, you get an email,
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You very well could get a fake letter in the mail.
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I know they don't do.
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So much in the mail these days, but I wouldn't
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put it past them. You know, they could send you
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that email with a fake Social Security letter attached to that,
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you know, copying their logo from the real Soil Security website.
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They probably already have fake Social Security websites.
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Is where these links are going to take you. So
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they're going to want you.
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To log in to confirm your account to receive the increase. Again,
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Social Security is not going to ask you to log
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into your account to confirm the increase.
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It's automatic.
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They have their process that they go through, they have
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some software that they use. It's automatically calculated, and they
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send you a letter in the mail telling you what
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your new what your cost of living adjustment is, and
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what your new Soil Security monthly benefit is going to be.
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So they.
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Let's see what else it. They also could have information,
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you know, like your doctor's name and stuff like that
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because they, uh, they get it from healthcare breaches like
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we talked about before. So the Social Security Office of
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Inspector General has warned explicitly that criminals are sending fake
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text and emails directing people to fake Social Security websites
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because they're trying to harvest your personal and financial information.
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Just know that Social Security is not going to text
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or email you links to click.
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On and they're not going to call you.
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If you want to know what your cost of living increases,
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and you have your online accounts set up with Social Security,
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go to the Social Security website the s SA for
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Social Security Administration dot gov and that dot gov is
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a government office and get into your account that way,
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and it will have your cost of living adjustment and
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you can check things out. It's going to have all
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your information about your Social Security in that account. Another
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one that they reference that's gone up substantially is impersonating
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the Social Security office with a phone call, and this
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one has.
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Produced the highest losses per.
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Victim, and that's because this is where your emotions are in.
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They get you in a state of fear right away.
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They combine the fear with the urgency, which makes it
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more difficult to think through, to think calmly through the situation.
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So you could have a live person.
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When if you answer the phone call and it's this
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fake Social Security impersonation call, it could be an actual
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person or it could be recorded message. But basically what
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they're saying is that your Social Security number has been
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linked to fraudulent criminal activity. Well, that's going to scare
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people right away.
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Right.
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Fraudulent, yes, but then adding criminal to it that scares people, right.
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They might say it could be drug trafficking, money laundering,
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whatever they come up with. But they say your Social
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Security number has been suspended and there's a warrant out
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for your arrest. That adds to the fear that they're
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trying to instill in you, so you don't think calmly
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and rationally about the situation. But they have a way
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out of this mess. If you cooperate, immediately provide the
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information they ask, or make a payment, it will resolve
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the matter before they send out law enforcement. So just
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know that you know social Security numbers cannot be suspended.
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They won't just automatically suspend your number. They will not
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threaten legal action if you don't pay, say that they
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need money to activate a benefit, pressure you to share
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sensitive information, contact you through social media, or demand that
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you keep the conversation secret. They will not do any
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