Fake 'COLA bonus' texts are going around
Don't click. Social Security will never text you a link to claim your increase. It's automatic.
What the scam looks like
Since SSA announced the 3.6% COLA on October 14, 2026, the SSA Office of the Inspector General (OIG) has received reports of fake text messages claiming recipients must "activate" or "claim" their COLA increase by clicking a link. The messages may appear to come from a government number or include official-looking logos.
"Your Social Security COLA benefit of +3.6% is ready. Click here to confirm your direct deposit and receive your updated payment: [link]"
How the real COLA works
The 3.6% increase is automatic. SSA adjusts every recipient's payment automatically starting in January 2027. You do not need to log in, call, click a link, or confirm anything to receive it.
Red flags to watch for
- A text or call asking you to click a link to "activate" your increase
- Anyone asking for your Social Security number, bank details, or payment (especially gift cards or wire transfers)
- Threats that your benefit will be reduced or stopped if you don't act immediately
- Messages from unfamiliar numbers claiming to be SSA
What SSA will actually do
SSA sends a written COLA notice by mail in December. If you have opted in to electronic notices, you will also see it in your my Social Security inbox. SSA does not text, email, or call you to ask you to claim a benefit increase.
Do not click any links. Report it to the SSA Office of the Inspector General at oig.ssa.gov/report or call 1-800-269-0271.