Social Security Shifts to 100% Electronic Payments by Fall

The Social Security Administration (SSA) is making significant updates to modernize its services, including transitioning entirely from paper checks to electronic payments by September 30, 2025, as mandated by President Trump's executive order. This change is intended to enhance payment efficiency, reduce fraud, and save the federal government millions annually, with electronic payments being safer and 16 times less likely to be lost or stolen compared to paper checks. Currently, less than 1% of beneficiaries still receive paper checks, and the SSA is urging them to switch to electronic methods such as direct deposit or the Direct Express card to avoid payment delays. Additionally, starting in mid-July, the SSA’s My Social Security online portal will offer uninterrupted 24/7 access, allowing beneficiaries and non-beneficiaries to manage accounts, request replacement cards, download documents, and check application statuses anytime. These digital improvements aim to address longstanding customer service challenges, including wait times and backlogs, as well as support the agency's goal to become a model of excellence in government service. Meanwhile, Social Security payments continue to be distributed monthly based on birth dates, with benefit amounts affected by retirement age and years of contributions, though concerns remain about the program’s long-term financial sustainability without legislative action.