The Social Security Administration (SSA) is making a major change to how people verify their identity when applying for benefits. Starting March 31, 2025, you will no longer be able to confirm your identity over the phone. Instead, you must verify yourself online or visit an SSA office in person. This move is designed to prevent fraud and increase security, but it also raises concerns for people who lack internet access or live far from SSA offices.
What Has Changed and Why?
The SSA has decided to end phone-based identity verification because it is considered less secure. Fraudsters have used phone scams to steal Social Security benefits, so the agency is shifting to more secure methods.
New Verification Methods
To apply for benefits or update your direct deposit information, you now have two options:
- Online Verification: If you have access to the internet, you can verify your identity through the “my Social Security” online service. This option is convenient for those who are comfortable using online platforms.
- In-Person Verification: If you cannot use the online service, you must visit an SSA office in person to confirm your identity. This is especially important for those who don’t have internet access or struggle with online applications.
How Will This Affect Direct Deposit Changes?
Before this update, direct deposit changes made online were delayed by 30 days as a security measure. Now, with the improved identity verification process, changes will be processed within one business day. This means faster and more secure transactions for Social Security beneficiaries.
Challenges for Rural and Underserved Communities
While these changes aim to improve security, they also create difficulties for many people, especially those living in rural or underserved areas. Some challenges include:
- Limited Internet Access: Many elderly or low-income individuals do not have reliable internet access, making online verification difficult.
- Distance to SSA Offices: Some people live far from an SSA office, and traveling for in-person verification can be time-consuming and expensive.
- SSA Office Closures: Due to cost-cutting measures, the SSA has been closing field offices, making it harder for people to access in-person services.
Steps to Take if You Are Affected
If you are concerned about these new requirements, here are some steps you can take:
- Set Up a “my Social Security” Account: If you have internet access, create an account as soon as possible. This will allow you to manage your benefits more easily.
- Schedule an In-Person Appointment: If you must visit an SSA office, call ahead and make an appointment to avoid long wait times.
- Seek Help from Community Organizations: Non-profits and local agencies often help seniors and low-income individuals with government paperwork. They may assist with transportation or online applications.
Why This Matters
The SSA is responsible for providing benefits to millions of Americans, including retirees, disabled individuals, and survivors. Ensuring security in the system is important, but changes like this must also consider the needs of vulnerable populations.
While eliminating phone verification reduces fraud risks, it also creates obstacles for those who struggle with technology or transportation. Advocacy groups are urging the SSA to offer alternative solutions, such as mobile verification units or expanded support for rural areas.
Conclusion
The SSA’s new identity verification rules are meant to protect beneficiaries from fraud, but they also introduce new challenges for people who rely on phone-based services. If you or a loved one depends on Social Security, it’s important to understand these changes and prepare accordingly. Whether setting up an online account or planning an office visit, taking action now can help ensure a smooth transition when the new rules take effect.