Australia’s retirees are being increasingly targeted by sophisticated scams that mimic government communications. One alarming case involves Ms. Deb Jennings, who nearly lost her Centrelink Age Pension after falling for a phishing scam disguised as an official myGov alert. Thankfully, with help from IDCARE, she recovered her funds—but her story serves as a stark warning for all Centrelink and myGov users.
How the Scam Worked
Deb Jennings received a text claiming her myGov account required “security identity verification” or it would be permanently locked. Believing it to be genuine, she clicked the link and inadvertently shared personal information, including her driver’s license and phone number. Over the next three months, scammers opened multiple bank accounts in her name and tried to reroute her pension payments.
Thanks to IDCARE, Jennings stopped the fraudulent activity before her pension was lost. Her experience highlights how scammers exploit trust in official-looking communications.
The Rising Threat of Government-Related Scams
| Statistic | Figure |
|---|---|
| Australians scammed annually | ~500,000 |
| IDCARE reported financial losses in 2024 | Over $513 million |
| Government funding for IDCARE | $15 million (next 3 years) |
| Centrelink Age Pension (2025 max) | $1,178.70 per fortnight (+$29.70) |
| Official government websites | servicesaustralia.gov.au, my.gov.au |
The Australian Federal Government has increased funding for IDCARE to help combat scams and provide identity theft support. Both IDCARE and Services Australia warn that official communications never include hyperlinks requesting personal details.
Common Scam Tactics
- Phishing links: Fake myGov websites trick users into providing login credentials.
- Account takeover: Scammers can redirect Centrelink payments and make fraudulent claims.
- Social engineering: Scammers may promise bonus payments or threaten account suspension.
- Impersonation calls: Centrelink staff will never ask for passwords, PINs, or two-step codes.
How to Protect Yourself
- Avoid links or QR codes from emails or SMS claiming to be from Centrelink/myGov.
- Type URLs manually: Always access myGov via my.gov.au or Services Australia.
- Enable two-step authentication: Never share verification codes.
- Watch for social engineering scams: Extra payments or urgent requests are red flags.
- Report suspicious activity: Contact Centrelink or IDCARE immediately.
FAQs
Q1: How can I confirm a Centrelink message is genuine?
A: Access your account directly via the official URL. Never follow links from unsolicited texts or emails.
Q2: What is two-factor authentication and should I use it?
A: It’s an extra security step requiring a code sent to your phone. Yes—use it, but never share the code.
Q3: What should I do if I suspect fraud?
A: Contact Centrelink and IDCARE immediately. Stop any communication with the suspicious party.
Q4: Are official government messages ever sent via SMS with links?
A: No. Government agencies never request personal information through hyperlinks in texts or emails.
Q5: How common are scams targeting pensioners in Australia?
A: Around 500,000 Australians fall victim each year, costing millions in financial losses.
Conclusion
Scams targeting Centrelink and myGov users are on the rise. Staying vigilant, using two-factor authentication, and avoiding unsolicited links are essential steps to protect your pension and personal information. Take control of your online security today—your future self will thank you.