President Donald Trump’s new Social Security rule is making waves across the United States, especially in five states where many seniors still receive their benefits via paper checks.
This change could disrupt payments for thousands of retirees who haven’t switched to direct deposit.
What’s Changing?
Under a new executive order, the Social Security Administration (SSA) will stop sending paper checks by September 30, 2025. Beneficiaries must now receive their payments through direct deposit.
While this move aims to modernize the system, it poses challenges for seniors without internet access or bank accounts.
According to the Pew Research Center, about 10% of U.S. adults over 65 lack internet access, making the transition difficult for many.
Top 5 States Most Affected
These states have the highest numbers of residents still relying on paper checks:
- California: 51,649 beneficiaries
- Texas: 35,504 beneficiaries
- New York: 30,676 beneficiaries
- Florida: 30,016 beneficiaries
- Ohio: 19,769 beneficiaries
In contrast, states like North Dakota and Wyoming have fewer than 940 recipients still using paper checks. The District of Columbia has only 789.
Challenges for Seniors
The shift to digital payments isn’t just about convenience; it’s about accessibility. Many seniors face hurdles
- Limited Internet Access: Without reliable internet, setting up direct deposit becomes a challenge.
- Banking Barriers: Some seniors don’t have bank accounts, making electronic payments difficult.
- Physical Limitations: Mobility issues can prevent trips to SSA offices for assistance.
While the SSA offers exemptions for those without banking services, qualifying isn’t straightforward. Additionally, recent staffing cuts and office closures have made it harder for beneficiaries to get help.
Broader Implications
This policy change is part of a larger trend under the Trump administration to modernize federal services. However, critics argue that rapid digitalization without adequate support systems can leave vulnerable populations behind.
For instance, the SSA has reduced its workforce by 12%, leading to longer wait times and decreased assistance for beneficiaries.
What Can You Do?
If you’re a Social Security recipient still receiving paper checks:
- Set Up Direct Deposit: Visit ssa.gov or call your local SSA office for guidance.
- Seek Assistance: If you lack internet access or a bank account, inquire about exemptions or alternative solutions.
- Stay Informed: Regularly check SSA updates to ensure you don’t miss critical deadlines.