Frequently Asked Questions

Will the Social Security Administration ever call me?

Yes, but under very specific circumstances. Legitimate agents generally only call you if you have recently applied for benefits, if you are already engaged in ongoing business with them, or if you specifically requested a telephone appointment. An agent will never call you completely out of the blue to threaten you with arrest or demand immediate payment.

Can I lock my Social Security number?

You cannot “lock” your nine-digit number with the government itself to prevent someone from using it. However, you can achieve a similar result by freezing your credit files with Equifax, Experian, and TransUnion. A credit freeze stops criminals from opening new credit cards or loans in your name, even if they have your full number and date of birth.

What should I do if a scammer reroutes my monthly payment?

If your scheduled payment fails to arrive, contact your local field office immediately. They will trace the payment. If it was redirected due to fraud, the agency will investigate and typically reissue the stolen funds, though the investigation process can take several weeks. You will need to establish new, secure banking credentials before the replacement funds can be disbursed.

Does the government send text messages?

The only time you will receive official text messages is if you have opted into text alerts—such as receiving a temporary security code to log into your online account. The government will not text you links demanding you update your direct deposit information or threatening to cancel your benefits.

Protecting your retirement income requires ongoing vigilance. Criminals constantly refine their scripts and develop new technologies to bypass your defenses. By maintaining a healthy level of skepticism, ignoring unsolicited demands for information, and always verifying communications through official channels, you effectively shut the door on fraudsters.

Stay informed about current fraud trends by utilizing resources like the AARP Fraud Watch Network. Remember, taking a deep breath and pausing before responding to an alarming message is often the best financial decision you can make.

The information in this guide is meant for educational purposes. Your specific circumstances—including income, health needs, tax situation, and goals—may require different approaches. When in doubt, consult a licensed professional.

Last updated: March 2026. Retirement benefits, tax rules, and healthcare regulations change frequently—verify current details with official sources.