Social Security scam messages related to the “Activate Your COLA” alert have resurfaced, targeting many people with fake notifications. These scams try to trick individuals into sharing personal information or clicking on malicious links. It is important to stay alert and know how to spot these messages to protect yourself from potential fraud.
With cost-of-living adjustments (COLA) being a hot topic every year, scammers are using this as a tactic to appear legitimate. Understanding how these scams work and what signs to look for can help you avoid falling victim. In this article, we explain how these scams operate and share useful tips to keep your information safe.
What Are “Activate Your COLA” Scam Messages?
The “Activate Your COLA” scam messages claim to be from Social Security Administration (SSA), telling recipients there is an urgent need to activate their cost-of-living adjustment benefit. These messages often come as texts, emails, or voice calls creating a sense of urgency. Scammers hope to steal your Social Security number, banking details, or other sensitive data.
According to the official Social Security Administration website (ssa.gov/scam), they never send unsolicited messages asking for personal information or require you to activate benefits this way. If you receive messages claiming urgent action is needed for your COLA, it’s most likely a scam.
How to Identify Scam Messages
There are common clues to watch out for in these types of scam messages. First, check for spelling or grammar mistakes that official government communications rarely have. Also, beware of messages asking for personal data like Social Security numbers, bank accounts, or passwords.
Another red flag is asking you to click on unfamiliar links or download attachments. Official SSA notices usually come by mail, not as texts or emails. If the message pressures you to act quickly or threatens you with penalties, it is suspicious.
Steps to Protect Yourself From COLA Scam Messages
If you get a message about activating your COLA, stay calm and don’t respond immediately. Do not click any links or provide any personal information. Instead, verify the information from trusted sources. You can contact the official Social Security Administration directly through their website or customer service number to confirm.
Consider blocking the sender and reporting the scam message to appropriate authorities like the Federal Trade Commission or the SSA Office of the Inspector General. Keeping your devices updated with the latest security patches and installing reputable security software also helps.
Remember: Official SSA COLA Notifications Are Sent by Mail
The SSA usually sends notices about COLA and other benefits by regular postal mail. They will not ask you to activate benefits through random text messages or emails. If you suspect a scam, always check official resources such as the Social Security Administration website (ssa.gov).
Keeping informed about common scams and staying cautious online is the best way to stay safe. Sharing this knowledge with family and friends, especially older adults who are common targets, can help protect everyone.
Final Thoughts
“Activate Your COLA” scam messages are making a comeback, trying to exploit people’s trust in the Social Security system. Being aware of how these scams work and recognizing their signs can save you from financial loss and identity theft. Always rely on official sources for COLA and Social Security updates and never share your personal information in response to unsolicited messages.
Stay alert and safeguard your data by following the tips shared here, and encourage others to do the same. Staying informed is the best defense against fraud.
