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  • 25/6/2025
Big news for Social Security recipients! Paper checks are officially phasing out by September 2025. Find out why, what it means for YOU, and how to get ready. Is your Social Security payment going digital? Nearly half a million Americans will be affected by this mandatory shift. Learn about the deadline, fraud prevention, and how to ensure your benefits continue smoothly!
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00:00Imagine this, there are over 70 million Americans who rely on the Social Security Administration
00:06SSA for their benefits, right? And believe it or not, nearly half a million of them.
00:12Well, that's all about to change very soon. The government is pushing for a full transition
00:18to digital payments for all federal benefits, including Social Security, SSI, SSDI, and even
00:27tax refunds. The big deadline is September 30, 2025. This isn't just a suggestion. It's mandated
00:35by an executive order signed by President Donald Trump back in March, called Modernizing Payments
00:41to and from America's bank account. Why the big push, you ask? The main reason the White House gives
00:48is to combat the rise in mail theft and check fraud, which apparently surged during the COVID-19
00:54pandemic. They found that paper checks from the Treasury Department are a whopping 16 times more
01:00likely to be reported lost, stolen, or altered compared to electronic transfers. So, it's really
01:08about security and efficiency. Acceptable digital methods include direct deposit, debit and prepaid cards,
01:16digital wallets, and real-time payment systems. Now, you might be wondering, what if I can't do
01:23digital payments? That's a valid concern, and thankfully, there are some exceptions. The good
01:30news is that certain individuals might be able to continue receiving non-digital payments under
01:35specific circumstances. These include, if you lack access to banking or electronic services,
01:43if there are emergencies that create undue hardship for you, or if there are special law enforcement
01:49or national security needs. Requests for these exceptions can be started through the Department
01:54of the Treasury or the SSA, and they'll evaluate each case individually. If you qualify, they'll give
02:02you alternative options. However, this transition ain't without its critics. Experts like Matt Watkins from
02:10Watkins Public Affairs have voiced concerns that this abrupt shift could disproportionately harm seniors
02:16who might not have digital access or feel confident with online banking. He even points out the deep
02:22irony that this is happening while funding for digital equity programs is being cut, which could
02:28leave vulnerable populations struggling. Essentially, some argue that this isn't just about efficiency.
02:35It could lead to exclusion and a spike in missed payments or financial crises for some of the most
02:40vulnerable citizens. It's a big logistical challenge for the government to ensure everyone gets their
02:46benefits securely. So, what should you do if you're still getting paper checks? The SSA has some advice to help you
02:54prepare. Get onto my social security. You can sign up for direct deposit and check your payment status online
03:02through SSA.gov. It's super important to keep your personal info, like your address and payment details,
03:10up to date there. Be smart about fraud. The SSA wants you to be really careful about scams.
03:17Remember, neither the SSA nor the Treasury will ever ask you for money to set up or speed up your benefits.
03:24Speak up if you're struggling. If you face genuine barriers to getting digital payments,
03:29you should contact the SSA or the Electronic Payment Solution Center. They can discuss alternatives or
03:36help you apply for an exemption. This is a big step, but the SSA is working to complete it for all federal
03:43benefit programs by that September 30, 2025 deadline. So, the key takeaway is to stay informed, keep your
03:53information updated, and reach out if you anticipate any difficulties. This proactive approach will help
04:00ensure your payments keep coming without a hitch. Money Explainers

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