How to Avoid Social Security Scams (A Guide Every Senior Should Read)
Confused by Social Security?
Scammers increasingly target people aged 60–80. Here’s how to protect yourself.
1. The SSA Will Never Call You Demanding Money
Any call requesting payment is a scam.
2. The SSA Will Never Threaten to “Suspend Your Number”
Your number cannot be suspended.
Want help navigating SSA safely and securely?
We explain exactly what to do without ever needing your login information.
3. Never Share Your SSA.gov Password With Anyone
Not your advisor. Not a service. Not a spouse. Nobody.
4. Freeze Your Credit for Extra Protection
It’s free—and effective.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
Related Articles
The “Zero-Tax” Strategy: How to Pay $0 Taxes on Your Social Security
Is it possible to pay zero taxes on your benefits? Yes. But it requires precise income structuring. The Magic Numbers Your Combined Income must be below $25,000 (Single) or $32,000 (Married). The Secret: Roth IRA Roth IRA withdrawals do not count toward Combined Income. You can live on $80k/year (via Roth) and look like you…
Independent Entitlement: Claiming Spousal Benefits Even If Your Ex Hasn’t Filed
Usually, you can’t claim spousal benefits until the worker files. But Divorce changes the rules. The Rule: Independent Entitlement If you have been divorced for at least 2 years, you can claim on your ex’s record even if they are still working and haven’t filed yet. Why This Is Huge You don’t have to wait…
The “Family Maximum”: Is There a Cap on What Your Household Can Receive?
Social Security is generous to families, but there is a ceiling: The Family Maximum. It caps total payments at roughly 150-180% of the worker’s benefit. How It Works The Worker always gets their full benefit. The Dependents (spouse, children) split the remainder. If the total exceeds the cap, dependent benefits are scaled down. Why Planning…