Protecting Families from Veteran Scams

Scams Targeting Surviving Families: What You Need to Know

When a veteran passes, their family members often face a whirlwind of emotions and administrative tasks. Unfortunately, this vulnerable time also makes them a prime target for scammers. These predators know surviving families may not fully understand VA benefits, leaving them open to fraudulent schemes. Knowing how these scams work and how to stop them is critical to protecting your family’s financial security and legacy.

Common scams include fraudulent calls claiming to represent the Department of Veterans Affairs (VA), phishing emails requesting sensitive information, and fake offers promising to expedite benefit payouts in exchange for an upfront fee. These scams not only exploit a family’s grief but can also lead to stolen identities, drained bank accounts, and lost VA benefits.

What Veterans Need to Know

These scams often target families who are unfamiliar with VA benefit processes, such as Dependency and Indemnity Compensation (DIC) or Survivors Pension. Scammers may pose as VA representatives, attorneys, or financial advisors, offering fake services to “help” families access benefits. They often pressure survivors into making quick decisions, which should be a red flag.

Be aware of these red flags:

• Unsolicited calls or emails claiming to represent the VA.
• Requests for payment to process or expedite benefits.
• Emails with links to unofficial websites asking for personal information.
• Offers to “unlock” a higher payout or special benefit for a fee.

Surviving family members have legal protections against these scams. According to 38 CFR § 14.629, only VA-accredited representatives are authorized to assist with claims or appeals. If someone offers to help for a fee and cannot provide accreditation, they are violating federal law. Always verify the credentials of anyone claiming to assist with VA benefits.

Your Action Plan

1. Educate Your Family: Share this information with your spouse, children, or other family members who might deal with VA benefits after your passing. Make sure they know the VA will never charge a fee for filing claims.
2. Verify All Communications: If your family receives a call or email claiming to be from the VA, tell them to confirm its authenticity by contacting the VA directly at their official number or website (www.va.gov).
3. Secure Your Documents: Keep important documents like your DD-214, marriage certificates, and other VA-related paperwork in a safe place. Avoid sharing copies unless you are dealing directly with the VA or an accredited representative.
4. Report Suspicious Activity: If you or your family suspect a scam, report it immediately to the VA Office of Inspector General at 1-800-488-8244 or online.

Bottom Line

Scammers prey on the uncertainty and grief of surviving family members, but you can protect your loved ones by preparing them with the right tools and knowledge. Educate your family, stay vigilant for red flags, and only trust accredited representatives to handle VA benefits. By taking these steps, you’ll safeguard your family’s financial security and preserve the benefits earned through your service.

For more resources on VA claims and survivor benefits, visit our Survivors page or check out our educational materials at FWD Assist HQ.