The Social Security Administration (SSA) is one of the most important agencies for millions of Americans. It is responsible for distributing monthly payments to retirees, people with disabilities, and other beneficiaries.
However, in recent months, this agency has undergone several changes that affect its users. Here, I'll tell you what has happened and how it may affect you.
Changes in identity verification
One of the most controversial moves was the change in how identity is verified for applications. Previously, it could be done by phone, which made the process much easier for older people or those who have difficulty using the internet. But SSA decided to eliminate this option and require many to go in person to local offices.
This measure caused a lot of criticism, since it's not always easy for everyone to travel, especially at a time when the pandemic still worries some. Fortunately, after public pressure, the agency partially reversed its decision.
Now, beneficiaries who apply for disability assistance, Medicare, or SSI can still use the phone for their procedures. The rest, however, must go to the office if they don't complete their application online.
Additionally, SSA announced that it has advanced technology to detect fraud, so they'll only require in-person visits if any suspicious activity is detected. This means that, for most people, the phone process remains a valid option.
Reduction in overpayment recovery
Another important and controversial change was the increase in the overpayment recovery rate. In March, SSA was able to recover 100% of overpayments, withholding the entire check until the debt was settled.
This announcement caused great concern, especially among those who rely exclusively on their monthly payment to live. Fortunately, on April 25, after an urgent meeting, SSA decided to reduce that rate to 50%. Now they can only withhold half the payment, leaving the other half for basic expenses.
Options for those who receive an overpayment notice
Although overpayments aren't common, they can happen and, when they do, they cause concern. If you receive an overpayment notice, there's good news: you can return the money in cash if you still have it, and thus avoid having your future payments reduced.
You can also request a reduction in the recovery rate if you're experiencing financial hardship, as long as you make the request within 90 days of the notice.
Finally, if it is proven that the error was SSA's fault, it's possible that your debt will be completely forgiven.
What should you do now?
The most important thing is to pay attention to any official communication from SSA. If you have questions, call directly or visit the official website to avoid fraud. Remember that, even though there are changes, the agency must ensure that you can access your benefits without major problems.
Have these changes affected you? Do you want me to help you understand a specific process? I'm here to help you.