The Social Security Administration (SSA) is making big changes to how it verifies identities. Starting March 31st, you can no longer prove your identity over the phone. Instead, you’ll need to visit an SSA office or use the “my Social Security” online portal. This change will affect millions of people, so here’s what you need to know.
Key Takeaways:
- No more phone ID checks: After March 31st, you can’t verify your identity over the phone for Social Security purposes.
- Online or in-person only: You must use the SSA’s online portal or visit a local office to prove your identity.
- **: This change applies to Social Security recipients and applicants nationwide.
- **: The SSA says this is to reduce fraud and keep your information safe.
What’s Changing?
Starting March 31st, the SSA is tightening its identity verification process. If you need to prove your identity for Social Security benefits, you’ll no longer be able to do it over the phone. Instead, you’ll have two options: use the “my Social Security” online portal or visit an SSA field office in person.
This change is happening to reduce fraudulent claims. Fraud can cost taxpayers a lot of money, and the SSA hopes these new rules will make it harder for scammers to pretend to be someone they’re not.
But while this might help stop fraud, it could also make things harder for some people. For example, if you’re not comfortable using the internet or can’t easily visit an SSA office, this change might be inconvenient.
How Does This Affect You?
If you’re already receiving Social Security benefits or applying for them, here’s how this change might impact you:
1. No More Phone Verification
As of March 31st, the SSA will no longer accept identity verification over the phone. If you need to prove who you are, you’ll have to use the online portal or visit an office.
2. What Happens If You Can’t Verify Your Identity?
If you can’t verify your identity online or in person, you might run into delays with your benefits or application. That’s why it’s important to act now and make sure you’re prepared for these changes.
3. Who Is Affected?
This change applies to anyone who interacts with the SSA, including:
- People applying for Social Security benefits for the first time.
- Current recipients who need to update their information or access their benefits.
- Applicants for Supplemental Security Income (SSI).
Why Is the SSA Making This Change?
The main reason for this change is to stop fraud. Every year, scammers try to steal Social Security benefits by pretending to be someone else. By making identity verification more secure, the SSA hopes to reduce these types of scams.
For example, imagine a scammer calls the SSA and pretends to be you. They might ask to change your bank account information or steal your benefits. The new rules are designed to make it harder for scammers to do this.
While this added security is important, it also means you’ll need to take extra steps to prove your identity.
What Should You Do Now?
To prepare for this change, here are some steps you can take:
1. Create a “my Social Security” Account
If you don’t already have an online account with the SSA, now’s the time to create one. Here’s how:
- Go to ssa.gov.
- Click on “Create an Account” and follow the steps.
- Make sure you have a valid email address and a strong password.
Once your account is set up, you can use it to verify your identity and access your Social Security information.
2. Gather Your Documents
If you need to visit an SSA office, make sure you have the right documents to prove your identity. Here’s what you might need:
- A valid driver’s license or state ID.
- A passport.
- Your Social Security card.
- Proof of address, like a utility bill or lease.
Having these documents ready will save you time and hassle when you visit the office.
3. Plan for Delays
If you need to visit an SSA office, be prepared for delays. Offices can be busy, so try to go early or schedule an appointment if possible.
4. Ask for Help If You Need It
If you’re not comfortable using the internet or visiting an office on your own, ask a trusted family member or friend for help. You can also contact your local SSA office for guidance.
What If You Can’t Visit an Office?
Not everyone can easily visit an SSA office. If you live far from the nearest office or have mobility issues, this change might be a challenge. Here’s what you can do:
- Use the “my Social Security” online portal if possible.
- Check if your local office offers phone appointments or alternative options.
- Contact the SSA ahead of time to ask for help.
How This Affects Different Groups
This change will impact different people in different ways.
1. For People Who Use the Internet
If you’re comfortable online, this change shouldn’t be too much of a hassle. You’ll just need to log in to your “my Social Security” account to verify your identity.
2. For People Who Don’t Use the Internet
If you’re not online, you’ll need to visit an SSA office. This could be inconvenient, especially if you live far from the nearest office.
3. For People with Disabilities
If you have a disability or mobility issues, visiting an office might be difficult. The SSA says it’s working to make the online portal more accessible, but it’s still important to plan ahead.
4. For Older Adults
Older adults who are less familiar with the internet might find it harder to verify their identity online. If this applies to you or someone you know, consider asking for help from a trusted person or organization.
What’s Next?
The SSA’s new identity verification rules are just one part of a larger effort to stop fraud and protect your benefits. While this change might be inconvenient for some, it’s designed to keep your information safe.
If you’re prepared and take the right steps, this change shouldn’t disrupt your benefits or application. But if you’re unsure about what to do, don’t wait—act now to avoid delays.
The SSA has made these changes to protect you, but it’s up to you to make sure you’re ready.