BOSTON — A Charlton woman was sentenced Thursday in federal court in Worcester for fraudulently obtaining approximately $110,428 in Social Security benefits, pension payments, and federal stimulus funds intended for a deceased beneficiary.
According to the U.S. Attorney’s Office for the District of Massachusetts, Gina M. Cummings, 61, was sentenced by U.S. District Court Judge Margaret R. Guzman to one day in prison, deemed already served, followed by three years of supervised release. She was also ordered to pay $110,428 in restitution.
Cummings pleaded guilty to one count of bank fraud in May after she was arrested and charged in December 2025.
The U.S. Attorney’s Office for the District of Massachusetts reported that, from January 2020 to July 2025, Cummings fraudulently obtained approximately $110,428 in Social Security benefits, private pension payments, and COVID-19 Economic Impact Payments.
Federal prosecutors say Cummings had access to the checkbook of a Social Security beneficiary and pension recipient who died in August 2019. She did not report the person’s death to the Social Security Administration, the pension plan, or the bank where the funds were deposited. Instead, Cummings forged the deceased beneficiary’s name on 84 checks and regularly depleted the account through recurring bill payments.
U.S. Attorney Leah B. Foley and Amy Connelly, special agent in charge of the Social Security Administration Office of the Inspector General’s Boston Field Division, announced the sentence Friday.
Assistant U.S. Attorney James J. Nagelberg of the Major Crimes Unit prosecuted the case.
