The Social Security Agency (SSA) is making significant changes that will affect beneficiaries who receive payments through checks: Starting September 30, 2025, Social Security benefits will no longer be issued through physical checks. The shift to electronic payments is part of a nationwide effort to modernize the delivery of benefits, thus making the process faster, safer, and more efficient.
Who is affected?
This change mainly affects less than 1% of beneficiaries currently accepting paper checks. If you are in this group, you must act immediately to avoid delays in getting your monthly benefits.
Why does SSA stay away from paper inspection?
There are several benefits to the transition to electronic payments:
- Speed and efficiency. Electronic payments are processed faster than paper checks, allowing beneficiaries to receive funds on time without delay.
- Save costs. Paper inspections have left the federal government with about 50 cents per issuance, while electronic payments cost less than 15 cents. Transitioning to electronic payments saves millions of dollars a year.
- Enhanced security. Paper checks are 16 times more likely to be lost or stolen than electronic payments, increasing the risk of fraud. Electronic payments provide a safer and more reliable way to get benefits.
What options do I have to get benefits electronically?
Beneficiaries have two main options for receiving Social Security payments electronically:
- Direct Deposit: Payments can be deposited directly into your checking or savings account. Admission is simple and ensures timely funds are available every month.
- Direct Express Card: For individuals without a bank account, this prepaid debit card is designed specifically for federal benefits payments, providing a safe and convenient alternative.
You can update your payment method at any time through my social insurance account.
How can this change help beneficiaries?
SSA sends notifications to all current paper inspection recipients to explain upcoming changes and provide guidance for registering for electronic payments. Each benefit check will include an insert details detailing the transition steps and SSA staff can assist beneficiaries throughout the process.
What does this mean for Michigan beneficiaries?
If you are receiving a paper check, it is crucial to switch to the electronic payment method by September 30, 2025. Failure to update your payment information may result in late returns. By making changes now, you will ensure that your Social Security payments continue to be uninterrupted while benefiting from faster, safer and more reliable delivery.
To get legal aid or guidance on how to drive Social Security benefits, Michigan’s disability lawyers are here to help. Contact us now, fill out the form or call us at (800) 949-2900 to start a free consultation.
