Major changes to verification procedures could lead to long-distance travel.
Millions of Americans may soon face unexpected obstacles when trying to access their Social Security benefits. Beginning April 14, the Social Security Administration (SSA) will stop offering over-the-phone identity verification for certain services. Instead, individuals who cannot verify their information online will need to visit a local SSA field office in person.
Under these new rules, those applying for benefits or updating direct deposit details—excluding Social Security Disability Insurance (SSDI), Medicare, or Supplemental Security Income (SSI) recipients—must either use the SSA’s online tools or make a trip to an office. Experts say this shift is intended to reduce fraudulent claims but could disproportionately affect seniors and people with mobility challenges.
Why the upcoming in-person verification requirement may complicate Social Security access for rural seniors?
Recent reports suggest that around six million older Americans could have to travel more than 45 miles just to verify their identity. For many, this can be a daunting trip, especially considering that nearly eight million seniors report conditions that limit travel. In states with fewer field offices, like Wyoming or Alaska, the distance to the nearest SSA location can be much greater than 45 miles.
Can they fine me if I miss this requirement? The answer is no. However, failing to verify your identity could result in delays or disruptions to receiving benefits, which can feel just as stressful.
Some states are less affected. California and New York, for example, have multiple SSA offices, so only about 3% of seniors must travel the longer distance. Still, for thousands of beneficiaries nationwide, these changes raise concerns about losing access to essential funds.
How the new Social Security identity verification changes affect you?
These are the key factors behind the new changes:
- Telephone verification suspended: Historically, over 40% of retirees have completed applications over the phone. Now, many of them will have to switch to online or in-person processes.
- Online barriers: Not everyone can create an online account. Children and many survivors do not have digital options available for their claims.
- Mobility issues: Older adults who lack reliable transportation or have health issues may struggle to meet requirements in person.
Below is a brief table showing how some states may be affected:
| State | Estimated Percentage Traveling 45+ Miles |
|---|---|
| Wyoming | 65% |
| Alaska | 45.9% |
| North Dakota | Over 13,000 must travel 180+ miles |
For individuals in these regions, such distances can pose serious logistical and financial burdens.
Additional Insights on How to Prepare for the Upcoming Social Security Policy Shift
Wondering how to avoid setbacks? Here are a few tips:
- Check Online Portal Eligibility: If you can create a My Social Security account, do so soon.
- Gather Required Documents: This includes valid photo ID, Social Security card, or any additional forms the SSA requests.
- Plan Your Travel Early: If visiting an office is unavoidable, schedule an appointment and arrange necessary transportation.
- Ask About Exceptions: Certain circumstances might allow special accommodations.
Many advocacy groups are urging the SSA to keep phone verification options, particularly for older or disabled individuals who cannot travel easily. The agency has countered by pointing to expanded in-person staffing and enhanced online resources, stating that they remain committed to serving all beneficiaries.