Starting March 31, 2025, Social Security is making big changes in how people verify their identities and access their benefits. The Social Security Administration (SSA) is removing phone verification, meaning anyone who wants to apply for benefits or update their payment details must do so either online or in person.
The reason behind this change? Security concerns. Reports have shown that scammers have manipulated Social Security payments in the past, leading to millions in fraud.
While this move aims to protect beneficiaries, it could also create difficulties for those who aren’t comfortable with digital systems or have trouble visiting SSA offices in person.
What’s Changing and Why?
Until now, Social Security allowed people to verify their identity over the phone when applying for benefits or making account changes. But due to fraud cases, the SSA has decided to eliminate this option. Instead, beneficiaries must either use the online “My Social Security” portal or visit an SSA office with proper identification.
According to SSA reports, scammers exploited phone-based identity verification to redirect benefits between 2013 and 2018, stealing over $33.5 million.
The SSA believes moving to online and in-person verification will improve security and reduce fraud. However, critics worry that this change might make it harder for older adults and those without easy access to technology to manage their benefits.
How to Verify Your Identity After March 31
If you’re applying for Social Security benefits or need to update your information after March 31, you have two options:
- Online Verification: Use the “My Social Security” portal to complete the process. This is the fastest method, but it requires you to create an account and verify your identity through digital authentication methods.
- In-Person Verification: If online verification doesn’t work for you, you’ll need to visit your local SSA office. It’s recommended to call ahead and book an appointment to avoid long wait times. Be sure to bring original identification documents, such as a passport or driver’s license, to complete the process.
The SSA advises everyone to keep their contact details updated in their Social Security profile and be prepared with documents before visiting an office.
SSA Workforce Changes & Potential Delays
Along with these verification updates, the SSA is restructuring its workforce. The agency has confirmed that it will reduce its staff from 57,000 to 50,000 employees. At the same time, all remaining SSA employees are now required to work in-person five days a week to ensure offices are fully staffed for these new verification procedures.
While this move aims to improve efficiency, some experts believe it could lead to longer wait times at SSA offices. Since more people may need to visit in person due to the removal of phone verification, shorter staff numbers could slow down service.
Public Concerns: Will This Make Things Harder?
Not everyone is happy about these changes. Financial experts warn that removing phone verification could create difficulties, especially for seniors and disabled individuals who may struggle with online systems or traveling to an SSA office.
Kevin Thompson, a finance expert, points out that many older adults already face challenges using technology. “From forgetting passwords to navigating complex websites, this change could be frustrating for many seniors,” he said. Adding multi-factor authentication, which requires switching between devices, could make things even more complicated.
Others argue that while security is important, there should be alternative solutions. “We need a middle ground—maybe a dedicated phone verification system for seniors or those with disabilities,” suggests financial literacy instructor Alex Beene.
What’s Next? Stay Updated
The SSA has promised to provide more updates in April regarding new digital verification tools and any additional changes coming later in the year. In the meantime, if you’re planning to apply for Social Security benefits, it’s best to prepare for possible delays.
Here’s what you can do now:
- Check your “My Social Security” account to make sure all your details are up to date.
- Book an appointment if you think you’ll need in-person verification.
- Gather necessary documents ahead of time to avoid delays.
With these new rules taking effect soon, being prepared can help make the process smoother. Stay informed and plan ahead!
