Social Security, a vital source of income for millions of Americans, is going through some big updates. With Frank Bisignano stepping in as the new commissioner, the Social Security Administration (SSA) is rolling out changes meant to modernize the system and crack down on fraud. If you rely on Social Security or plan to—it’s important to stay in the loop. Some of these updates could directly affect how and when you get your benefits.
Changes to How Overpayments Are Handled
One of the more noticeable changes has to do with how the SSA deals with overpayments. Sometimes, due to mistakes or outdated earnings info, people receive more money than they’re supposed to. When that happens, the government usually wants it back and those repayments can be pretty steep.
Currently, if you’re receiving retirement, survivor, or disability benefits and you’ve been overpaid, the SSA may withhold up to 50% of your monthly check to recover the money. That’s a change from earlier rates. For example, under President Biden, the default withholding was 10% to avoid putting too much strain on people. During the Trump administration, there was a push to raise the rate all the way to 100% in an effort to recover billions.
Right now, the 50% rate is the standard as of April 25. If that feels like too much for you to handle financially, don’t panic—you can ask for a lower repayment rate or even apply for a waiver in certain situations. It’s worth knowing your options so you’re not caught off guard.
Stricter Identity Checks
Another shift that could affect how you interact with the SSA is the new identity verification rule. If you’re applying for retirement, survivor, or family benefits and can’t use the SSA’s online system, you’ll need to verify your identity in person. This policy doesn’t apply to everyone—folks applying for SSI, SSDI, or Medicare are currently exempt—but it’s expected that around 2 million more people each year will need to go to an SSA office.
If you’re planning to apply for benefits or update your account, it’s a good idea to factor in this new requirement. Bringing the right documents and planning ahead can save you a lot of frustration.
Say Goodbye to Paper Checks
The SSA is also phasing out paper checks. Starting September 30, 2025, they’ll stop mailing them altogether. Most people already receive payments via direct deposit, but if you’re still getting checks in the mail, now’s the time to switch. If you don’t have a bank account, the SSA can help you set something up or walk you through other options. Either way, making the change sooner rather than later will help you avoid payment delays.
Ending WEP and GPO Rules for Some Workers
There’s also good news for certain public service workers like teachers, firefighters, and others who were previously affected by the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). These rules often reduced Social Security benefits for people who also had pensions from jobs that didn’t pay into the system.
President Biden signed a law ending both WEP and GPO, which means bigger monthly checks for many—and even back pay for some. The SSA, under the previous administration, had already started fast-tracking these changes, paying out nearly $15 billion in retroactive benefits. If you think you might qualify, it’s worth reaching out to the SSA to check your status.
Faster Direct Deposit Updates
Another improvement that’ll make life easier: changes to your direct deposit information will now be processed within one business day. Previously, it could take up to a month if you submitted updates online. This quicker turnaround can help you manage your money better, especially if you need to change bank accounts or fix payment details. Just keep in mind that these changes still need to be made online or in person.
Digital Access to Your Social Security Number
Finally, the SSA is rolling out a new feature that’ll let you access your Social Security number digitally through your “my Social Security” account. Instead of having to carry around or dig up your physical card, you’ll be able to pull it up securely online when you need it—whether you’re applying for a job, signing up for services, or handling other ID-related tasks.
To get ready for this change, make sure you’re signed up for a “my Social Security” account and know how to navigate the site. It’s a small step that can save you a lot of hassle down the road.
These updates show that the SSA is trying to modernize and tighten up the system—but they also mean that staying informed is more important than ever. If you receive Social Security benefits or plan to apply soon, it’s a good idea to stay connected with the SSA and check your online account regularly.
