You may have already heard rumors about this change, but now it's official. The Social Security Administration (SSA) will stop issuing physical checks starting September 30, 2025. This measure will affect thousands of beneficiaries who receive their payments in the traditional way.
The Social Security Commissioner, Frank Bisignano, explained that the goal is to modernize SSA. In addition, it will help prevent fraud and check losses. In his words, "eliminating physical checks will allow us to serve beneficiaries better and improve the system's security."
Changes in the administration of SSA
Starting in October 2025, all payments will be made digitally. Those who don't make the change could experience delays or interruptions in their income. The administration offers two main options:
- Direct deposit to bank account
Beneficiaries can register through the official GoDirect.gov website or by calling 1-877-874-6347. You'll only need your Social Security number, your bank account information, and your claim number if you have it.
- Direct Express card
For those who don't have a bank account or prefer not to use one. It works like a debit card, where the amount of your benefits will be automatically loaded each month. You apply with your Social Security number, date of birth, and the information from your last check received.
Both options are free and secure, designed so no one loses their benefits.
More improvements in SSA
The change from physical checks comes with other innovations:
- Renewed mySocialSecurity platform, more stable and without interruptions.
- Reduced wait times at offices.
- Faster and more personalized phone assistance.
In theory, these improvements will make procedures easier and faster for all beneficiaries.
Beneficiaries in a difficult situation
Not everyone will welcome this measure enthusiastically. Older people, those with disabilities, or those without access to technology could face difficulties. SSA recognizes that some beneficiaries can't switch to digital payments due to lack of resources or transportation.
Therefore, exceptions will be made. Those who can prove that a physical check is the only viable option will continue receiving it. This ensures that no one is left out of the system while SSA completes its digital transition.
How to prepare
If you receive a physical check, it's time to act. Register at GoDirect.gov or request your Direct Express card. Don't wait until the last minute. Preparing in advance prevents unnecessary problems and delays.
This change marks an important step toward modernizing Social Security, but it also requires beneficiaries to adapt. The key is to stay informed and choose the most suitable option to keep receiving your money without complications.