Salt Lake City, UT. — A Salt Lake County man has been indicted by a federal grand jury on multiple fraud charges after allegedly assuming another person’s identity for nearly two decades to collect Social Security and private insurance benefits.
According to court documents, Terry Lynn Reynolds, 69, of West Jordan, Utah, is accused of fraudulently obtaining more than $1 million in benefits by using the name, Social Security number, and signature of another individual identified in court filings as Person 1.
Prosecutors allege that beginning around Nov. 8, 2004, and continuing through June 13, 2025, Reynolds executed a long-running scheme to impersonate Person 1, who was entitled to disability income through a private insurance policy and benefits from the Social Security Administration. By operating under the stolen identity, Reynolds allegedly diverted those payments to himself.
Court records state that Reynolds corresponded multiple times with both the Social Security Administration and the private insurance company while posing as Person 1. Authorities allege the fraudulent activity continued until approximately March 2025.
Reynolds is charged with wire fraud, mail fraud, theft of government property, and aggravated identity theft. His initial appearance on the indictment is scheduled for Jan. 13, 2026, at 1:30 p.m. before a U.S. magistrate judge at the Orrin G. Hatch United States District Courthouse.
The indictment was announced by Melissa Holyoak, U.S. Attorney for the District of Utah.
The case is being investigated jointly by the Social Security Administration Office of Inspector General, the United States Postal Inspection Service, the Utah Department of Public Safety, and the West Jordan Police Department.
Special Assistant U.S. Attorney Sachiko J. Jepson is prosecuting the case. Authorities emphasized that the charges are allegations, and Reynolds is presumed innocent unless proven guilty in court.
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