Request for Payment of Federal Benefits by Check – SSA

Social Security beneficiaries currently receiving payments via paper checks will be required to switch to electronic payments by September 30, 2025. This mandate stems from a government-wide initiative aimed at modernizing payment systems and improving efficiency, security, and service delivery.
Here’s a detailed summary:
  • Who is affected? This transition primarily affects beneficiaries who still receive their Social Security or Supplemental Security Income (SSI) payments by paper check. According to recent data, this accounts for less than one percent of all beneficiaries, according to Social Security Administration (.gov).
  • Reasons for the change:
    • Enhanced Security: Paper checks are significantly more susceptible to loss, theft, and fraud compared to electronic payments. The U.S. Treasury highlights that paper checks are 16 times more likely to be reported lost, stolen, or altered than electronic transfers.
    • Increased Efficiency and Speed: Electronic payments are processed faster, ensuring beneficiaries receive their payments on time and without delays, says the Social Security Administration (.gov).
    • Cost Savings: The federal government incurs higher costs (approximately 50 cents) to issue paper checks compared to electronic transfers (less than 15 cents). Switching to electronic payments is expected to save millions of dollars annually.
    • Modernizing Government Operations: This move is part of a broader government effort to modernize payment systems and improve service delivery across all federal payments.
  • Payment options: Beneficiaries have two primary electronic payment options:
    • Direct Deposit: Payments are automatically deposited into a checking or savings account at a bank or credit union.
    • Direct Express® Debit Card: For individuals without a bank account, this government-prepaid debit card allows beneficiaries to access and use their funds electronically.
  • How to switch: Individuals still receiving paper checks are advised to transition to electronic payments as soon as possible. Methods include:
    • Online: Visit the Social Security Administration website at www.ssa.gov/myaccount to manage direct deposit information.
    • Phone: Call the SSA’s toll-free number at 1-800-772-1213 (TTY 1-800-325-0778) for assistance.
    • In Person: Visit a local SSA office, potentially by appointment, notes ElderLawAnswers.
    • Direct Express®: Enroll for the debit card by calling 1-800-333-1795 or signing up online at godirect.gov.
  • Potential Challenges: The transition could pose challenges for certain groups, including:
    • Individuals without bank accounts or limited access to banking services.
    • Those with limited access to internet or digital literacy.
    • Individuals in remote areas with limited infrastructure for electronic transactions.
    • Seniors who may be less comfortable with or lack confidence in using online banking or digital tools.
  • Waivers: In rare circumstances, beneficiaries may be eligible for a waiver allowing them to continue receiving paper checks. Waivers are generally granted in cases of:
    • Hardship due to a mental impairment.
    • Residence in a remote location lacking infrastructure for electronic transactions.
    • Being age 90 or older.
      To request a waiver, individuals can contact the U.S. Treasury’s Waiver Line at 1-855-290-1545 or print and mail a waiver form. 
Important Notes:
  • Beneficiaries who fail to transition to electronic payments by the deadline and do not qualify for a waiver may face delays or interruptions in their benefits payments.
  • The Social Security Administration and the U.S. Treasury encourage beneficiaries to take proactive steps to switch to electronic payments to ensure uninterrupted access to their benefits. 
Bryan