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Charlton woman sentenced in federal court over $110,428 in Social Security and pension payments

Gina M. Cummings, 61, received one day of prison deemed served and three years of supervised release after pleading guilty to bank fraud, according to the U.S. Attorney's office in Massachusetts.

A Charlton, Mass., woman was sentenced Aug. 20 in federal court in Worcester for fraudulently obtaining Social Security benefits and pension payments, the U.S. Attorney's office for the District of Massachusetts said.

Gina M. Cummings, 61, was sentenced by U.S. District Court Judge Margaret R. Guzman to one day of prison deemed served and three years of supervised release, and was ordered to pay $110,428 in restitution, prosecutors said. Cummings pleaded guilty in May to one count of bank fraud. She was arrested and charged in December 2025.

According to the U.S. Attorney's office, Cummings fraudulently obtained approximately $110,428 in Social Security benefits, private pension payments and COVID Economic Impact Payments from January 2020 through July 2025.

Prosecutors said Cummings had access to the checkbook of a Social Security beneficiary and pensioner who died in August 2019, and that she failed to report the death to the Social Security Administration, the pension plan and the bank where the funds were deposited. She instead accessed the improperly paid funds by forging the deceased beneficiary's name on 84 checks and regularly depleted the account through recurring bill payments, according to the office.

The case was announced by U.S. Attorney Leah B. Foley and Amy Connelly, special agent in charge of the Social Security Administration, Office of the Inspector General, Office of Investigations, Boston Field Division. Assistant U.S. Attorney James J. Nagelberg of the Major Crimes Unit prosecuted the case.

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