Getting benefits should be simple, but even small changes can sometimes create confusion. Knowing what to expect helps you avoid delays, protect your money, and stay one step ahead. Many people do not realize that how you manage your information can impact your payments. A few extra steps now could save you from bigger headaches later. Understanding the latest updates is the best way to keep your benefits safe and your account running smoothly.

This SSA Change is Already in Place: What Does it Mean for Your Benefits?

The SSA handles payments and sensitive personal details for millions of social security recipients. Unfortunately, scammers constantly try to steal this information or redirect benefit payments. Strong identity verification procedures are a critical defense against this type of fraud. That is why the SSA has put in a change.

The SSA announced updates to their identity verification procedures, effective starting April 14, 2025. These changes came after listening to feedback that the previous rules were challenging, particularly for individuals with mobility issues or limited access to technology. The new approach aims to balance security with improved customer service and government efficiency.

The primary change adjusts when you might need to go into a Social Security office in person for identity proofing. This requirement typically arose if you couldn’t use, or chose not to create, a personal online my Social Security account for specific transactions. However, important exceptions now apply, reducing the need for in-person visits for certain groups.

This policy shift acknowledges that requiring office visits created hurdles for many people needing benefits. The goal is to make access fairer while still preventing fraud. The online identity proofing system remains a preferred method for those who can use it.

When Do I Still Need Social Security Identity Verification In-Person?

This change primarily affects individuals applying for Retirement, Survivors, or Auxiliary benefits (such as benefits for a spouse or child) if they do not use their online my Social Security account to complete the application.

For these benefit categories, SSA maintains that strong identity validation is crucial, achieved either through their secure online identity proofing systems or via face-to-face verification at a local office. If online verification isn’t completed, the agency believes an in-person check is needed to prevent potential fraud associated with these long-term benefits. It’s part of their core identification policy.

Furthermore, a critical rule applies to managing your payment details: if you need to change your direct deposit information for any type of benefit and cannot do so online through your secure social security account, you must visit a security office or call to schedule an appointment for assistance. 

What is a my Social Security Account?

The my Social Security account is frequently mentioned because it’s a key tool. It is a free, secure online account provided by the Social Security Administration via the official social security website. Having this government account allows users to manage various aspects of their Social Security information and benefits without needing to call or visit a security office.

Through your personal social security account, you can review your earnings history, obtain personalized benefit estimates, view your Social Security Statement, and in many cases, apply for benefits directly online. You can also update your contact information, like your address or email address, and manage your direct deposit details. This accessibility is why SSA encourages its use for efficient customer service.

Setting up a my Social Security account involves an online identity verification process itself. This identity online check confirms you are the correct person gaining private access to your sensitive data. Successfully creating and using this account often simplifies future interactions with SSA significantly.

Are Your Benefits at Risk?

Your Social Security benefits are not automatically at risk because of these changes, but you do need to stay alert. If you need to change your banking information or make certain updates to your account, the new identity verification rules mean you might have to visit a Social Security office in person. This doesn’t stop you from updating your payment details, but it may take longer than it used to. Planning ahead is important to avoid payment delays. Keeping your my Social Security account active and updated is the easiest way to manage changes quickly and securely without needing an in-person appointment.

All in All

If you cannot use a personal my Social Security account to update your direct deposit details, you will now need to verify your identity in person at a local SSA office. This extra step is meant to strengthen security and protect your benefits from fraud attempts.

For those who have access to their my Social Security account, updates to direct deposit information can still be made online. Using the online account helps you avoid the need for an in-person visit and can save you valuable time. Keeping your account active and updated is one of the easiest ways to manage changes without unnecessary delays.