Starting April 14, 2025, the Social Security Administration (SSA) is rolling out new rules to fight fraud. While these changes are meant to improve security, experts warn they could make it more difficult for millions of people—especially senior citizens—to access their benefits.
A report from the Center on Budget and Policy Priorities (CBPP) says that up to 6 million Americans could face problems due to these new rules. Many of them are elderly, live in rural areas, or do not have access to the internet. These changes could lead to fewer people getting the benefits they qualify for.
What Are the Key Changes?
Here are the main updates under the SSA’s new fraud-prevention policy:
- Phone-based identity verification will be limited or removed for some services.
- People will be required to apply online using the My Social Security portal.
- Some applicants will have to visit an SSA office in person to prove their identity.
These rules affect both new applicants and people who are already receiving benefits but want to update information like bank details or direct deposit instructions.
Why Are These Changes a Problem?
The CBPP has raised major concerns, saying the changes were made suddenly and without enough planning. They believe it will cause longer delays and heavier workloads at SSA offices.
Many seniors:
- Don’t have access to high-speed internet
- Live far away from SSA offices
- Rely on phone services to manage their claims
For such individuals, these new rules may make it hard or even impossible to access or manage their benefits. As a result, there could be a big drop in benefit approvals, especially among those who are already in vulnerable situations.
What Does SSA Say?
In response to the backlash, the SSA posted on its official X (formerly Twitter) account to clarify the rules. They denied that all phone services are being shut down.
According to SSA:
- Phone support will still be available for most people.
- Only those flagged by the fraud detection system will need to visit an SSA office in person.
- The agency is also hiring more phone support staff to help people understand and use the new system.
SSA insists these changes are necessary to prevent identity fraud and protect the system from being misused. However, advocates for seniors argue that this could end up hurting the very people Social Security was designed to help.
Who Will Be Most Affected?
These new rules will hit hardest:
- Older adults without tech access
- People in rural or remote areas
- Individuals with disabilities
- Low-income families without internet or transport
Experts believe that improved fraud detection should not come at the cost of access. They are urging the SSA to make the process easier, especially for people who have no easy way to get online or reach an SSA office.
The SSA’s new rules, starting April 14, aim to strengthen fraud protection, but they may also create new barriers for seniors and others who rely on these benefits the most. While the agency says most people won’t be affected, advocates remain concerned that the changes will result in confusion, delays, and reduced access.
If you or someone you know depends on Social Security, it’s a good idea to check your account on the My Social Security portal or contact the SSA by phone to understand what changes might apply to you. Staying informed and prepared is key as these updates roll out.
