Starting April 14, the Social Security Administration (SSA) in the United States is changing the way people apply for and manage their Social Security benefits. These new rules are meant to reduce fraud, but experts say they might create big problems for older Americans who depend on these benefits for their daily needs.
Many seniors don’t have access to the internet or live too far from an SSA office. This means the new steps could make it very hard—or even impossible—for them to get or manage their benefits.
What Are the New SSA Rules?
The SSA is making a few important changes that could impact millions. According to a report by the Center on Budget and Policy Priorities (CBPP), around six million people could face problems under the new system. These are the key changes:
Phone Verification Limited
Previously, many people could verify their identity over the phone. But under the new rules, this option is being taken away for certain services. Now, only people who are not marked by the fraud detection system can still use phone services.
Online Applications Are Now a Must
Applicants will be pushed to use the SSA’s “My Social Security” online portal to apply or make changes. While this may work for tech-savvy people, many seniors are not comfortable using the internet or don’t have regular access to it.
In-Person Visits Required in Some Cases
If someone’s claim is flagged for possible fraud, they will need to visit an SSA office in person to prove their identity. This is a big issue for people who live in rural areas or don’t have transportation.
Why Experts Are Worried
The CBPP says these new policies are sudden and unnecessary. They believe it will create long lines and more pressure on SSA offices that are already short-staffed. People may have to wait even longer for help or approvals.
Many seniors—especially those with health problems or low income—may simply give up on applying if the process becomes too hard. This could lead to a big drop in the number of people receiving benefits.
SSA Responds to Criticism
The SSA has responded by saying that phone support is still available. They clarified that only people marked with fraud indicators will need to come in person. They also said they are hiring more phone support staff to help people through the new process.
Still, both new applicants and existing beneficiaries will face these changes. Even if you just want to update your bank details for direct deposit, you may run into extra steps.
The SSA says the goal is to fight fraud. But many advocates fear that the rules could accidentally hurt the very people Social Security is supposed to help—seniors, people with disabilities, and others who rely on it to survive.
While preventing fraud is important, the SSA’s new rules might make life harder for millions of people, especially older adults. Making it difficult to verify identity or apply online can lead to delays, missed benefits, and a lot of stress.
The government will need to make sure support is in place so that the most vulnerable people are not left behind. Clear communication, proper staffing, and flexible options will be key to making sure that Social Security stays fair and accessible for everyone.
