The Social Security Administration (SSA) is introducing new rules aimed at reducing fraud, but experts are warning that these changes could make it harder for millions of Americans, especially seniors, to access their benefits. These new rules will take effect on April 14, 2025, and will change how people apply for and manage their Social Security benefits. The most significant change involves stricter identity verification procedures.
A recent report from the Center on Budget and Policy Priorities (CBPP) warns that up to six million people could face challenges under these new rules. Many seniors, in particular, have limited access to the internet or live too far from a Social Security office, making it difficult for them to meet the new requirements. As a result, these changes could lead to fewer people getting the benefits they need.
Key Changes Under the New SSA Rules
According to the CBPP, the most important changes are:
- Ending phone-based identity verification for certain services.
- Requiring online applications through the My Social Security portal.
- Mandating in-person visits to SSA offices for identity verification in some cases.
The CBPP describes these changes as “sudden and unjustified,” pointing out that they could overload already busy Social Security offices and create longer delays for people seeking assistance. They also highlight that many seniors—who often lack internet access or live far from an SSA office—will struggle to follow these new procedures.
SSA Defends Changes, Explains Fraud Prevention Efforts
In response to the criticism, the SSA has explained the reasons behind these changes. On its official X (formerly Twitter) account, the SSA stated that it is not completely eliminating phone services. People can still use the phone to file claims, but only if their claim is not flagged by the SSA’s fraud detection system.
The SSA also clarified that in-person visits will only be required if a claim raises potential fraud concerns. They added that they are hiring more phone support staff to assist people in navigating these new changes.
These new rules will affect both first-time applicants and current beneficiaries who are updating their direct deposit information or other account details.
While the SSA views these steps as necessary to fight fraud, advocates are concerned that these changes might unintentionally shut out some of the most vulnerable citizens, especially seniors, who rely on Social Security to meet their basic needs.