Starting April 14, the Social Security Administration (SSA) will implement stricter identity verification procedures to prevent fraud and protect beneficiaries.
This move comes in response to a rise in identity theft and benefit fraud, which saw millions of dollars misdirected between 2013 and 2018.
With these new steps, the SSA hopes to strengthen the security of the Social Security system and ensure benefits reach the right people.
How Will the New Phone Claim Checks Work?
Under the updated process, anyone submitting a Social Security claim by phone will undergo an anti-fraud check. If a claim raises red flags, the applicant must verify their identity at a Social Security office.
However, if no fraud risk is detected, the process can move forward without an in-person visit. This hybrid system is designed to make things smoother for most people while still keeping security tight.
What Does It Mean for Current Recipients?
If you’re already receiving Social Security benefits and aren’t making changes to your direct deposit information, you don’t have to do anything new.
You’ll keep getting your payments as usual. These updated rules mainly affect new applicants or those looking to update their banking details.
In such cases, individuals will need to verify their identity either online through their My Social Security account or in person.
Who Is Exempt From the New Rules?
There are a few exceptions to the in-person verification requirement. If you’re applying for Medicare, Social Security Disability Insurance (SSDI), or Supplemental Security Income (SSI), you can still verify your identity over the phone.
This exception helps accommodate people who may have trouble accessing online platforms or visiting an SSA office in person.
Be Aware of Scams
The SSA has made it clear that it will never request identity verification through text messages. If you receive such a message, it’s a scam and should be ignored.
Phishing emails and fake messages are becoming more common, especially during procedural changes like this. Staying cautious and informed can help protect your personal information and benefits.
Reactions and Concerns
Some advocacy groups and community organizations have expressed concerns that the new rules might create challenges for people with limited internet access or transportation options.
The SSA says it is aware of these concerns and will monitor the impact of the new procedures closely. The agency plans to make adjustments if needed to ensure everyone can access their services.
What to Expect Going Forward?
According to SSA estimates, of the 4.5 million phone claims made annually, about 70,000 could be flagged for additional identity verification.
While this number is relatively small, it’s still important for applicants to understand what to expect and be ready for a possible in-person visit if required.
The SSA will continue to assess how the new system is working and make improvements to support all beneficiaries. In the meantime, staying up to date on these changes and contacting the SSA for help when needed can make the process much smoother.
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