Avoid Scams When Applying for Government Benefits
When you’re caring for a child with special needs, navigating government benefits like SSI, SSDI (based on a parent’s work record), and Medicaid can feel overwhelming. The forms are long, the rules are complex, and the process can take months.
Unfortunately, this confusion has created opportunities for for-profit companies to take advantage of families who are simply trying to secure support for their child.
Here’s what to watch out for—and how to protect yourself.
Why These Scams Are Growing
Many companies advertise that they can “speed up” your child’s application or even “guarantee approval.” While some may offer basic administrative assistance, others rely on pressure tactics, hidden fees, or misleading claims. Families can end up paying far more than expected—or worse, submitting inaccurate applications that lead to delays or denials.
Red Flags to Look Out For
High or Hidden Fees: Charging hundreds or thousands of dollars—or taking a percentage of your child’s benefits—is a major warning sign.
“Guaranteed Approval”: No one can guarantee eligibility. Only the Social Security Administration or your state agency can make that determination.
Pressure to Sign Quickly: Predatory companies often rush families into long, confusing contracts.
Misleading Advertising: Some businesses imply they are connected to a government agency when they are not.
How to Protect Your Family
The good news is that paying high fees is not required to apply for government benefits. Families can take steps to protect themselves throughout the process:
Be cautious and informed: Take time to understand who you are working with and what services are actually being offered.
Ask clear questions: What does the service include? What are the total costs?
Avoid percentage-based fees: Reputable organizations do not take a portion of your child’s benefits.
Review all paperwork carefully: Feeling rushed is often a sign something isn’t right.
You’re Not Alone
Applying for government benefits can be stressful and emotionally taxing. Learning how the system works—and knowing what warning signs to look for—can help families move forward with greater confidence and avoid unnecessary financial harm.
The Theresa Foundation is committed to educating and empowering families by sharing clear, reliable information about government benefits, pooled trusts, and financial protections for individuals with disabilities. Our goal is to help families make informed decisions and advocate for themselves as they navigate complex systems.
