US Social Security Ends Paper Checks, Affecting 500,000 Beneficiaries

The Social Security Administration (SSA) is set to end paper checks for beneficiaries by September 30, 2025, in compliance with a White House executive order aimed at modernizing federal payments to improve efficiency and security. While over 99% of recipients already receive electronic payments, nearly half a million still depend on paper checks and must switch to direct deposit or a prepaid debit card to avoid disruptions. This transition is expected to reduce fraud, theft, and costs, as paper checks are much more vulnerable to loss and fraud compared to electronic payments. However, recent changes and staff reductions at the SSA have made it harder for some beneficiaries, especially low-income individuals, to access benefits, leading to financial hardships such as housing insecurity and hunger. The SSA also warns beneficiaries to keep their personal information up to date, as failure to do so can result in abrupt payment suspensions without prior notice. Special exceptions to the electronic payment mandate will be made for certain vulnerable groups, including those over 90 or living in remote areas without banking access.