If you are about to apply for disability — beware

Let’s file this week’s scam tip under the “how low can you go?” category. This is another phishing scam. And it’s focused on those filing a disability claim. It’s always bothered me how scammers will go after people when they’re in dire straits, but such is the nature of their business. Here’s what the phishermen are trying to pull on those who apply for disability.

On April 22, the Federal Trade Commission posted this warning. “Scammers are trying to get personal information from people by pretending to help with applications for disability benefits and claims. A recent alert from the Social Security Inspector General warns of this phishing scam, and — whether or not you’ve started an application for benefits—these scammers could contact you.”

Will you need to apply for disability?

Why would someone send emails or make phone calls asking if you are about to apply for disability? Simple. It’s an opportunity to obtain your personal information. The scammers are hoping for a bit of luck with this one, but if they get someone who might need to apply for disability or who might have already started the process, they may be able to convince you how they can help.

How does the scam work?

I did a bunch of research on this topic for Honolulu Hottie and discovered the scammers have a variety of techniques. For the book, I was focused on veteran’s benefits, but the same techniques and opportunities are present for Social Security disability.

The scammer will tell you he can help facilitate or complete the application process. He might even tell you about the pitfalls of navigating the system on your own. Once they have your social security number, bank account numbers, and other identifying information, you become the target of identity theft. You may also become involved in benefit theft. Not only might the scammer steal from you, but they may also use your information to steal from the government, which can land you in hot water and force you to prove you didn’t orchestrate the benefit theft.

How to avoid the disability benefit scam

The rules for avoiding this scam are much the same as they always are.

• Never give your personal information to someone who calls or emails you.
• Never wire money or send money using a prepaid debit card.
• Never pay someone based on an unsolicited phone call or email.
• Check the status of your disability benefits on a regular basis. Make sure the benefits statements match what you expect.

If you have questions about disability benefits, or get calls offering help with them, call the Social Security Administration at 1-800-772-1213. Click here to learn more about Honolulu Hottie.