Starting April 14, 2025, the Social Security Administration (SSA) will require some individuals to visit a local SSA office to verify their identity in person when claiming benefits or updating direct deposit details. This new rule, aimed at curbing fraud, has sparked confusion due to its rapid rollout. Here’s what you need to know.
Who will need to visit a Social Security office to verify their identity?
The rule applies only to those without a my Social Security account — or those unable to use one. If you have an account, you can file claims, set up direct deposit, or update banking details online without visiting an office. You must verify your identity in person if you lack a my Social Security account and are:
• Applying for retirement, survivor, spousal, or dependent child benefits
• Changing direct deposit details for any benefit
• Receiving paper checks and updating your mailing address
Applications for Medicare, Social Security disability, or Supplemental Security Income (SSI) can still be handled by phone. If you’re already receiving benefits and not changing direct deposit, no action is required. The SSA confirms, “People will continue to receive their benefits on schedule” without identity verification. Those not yet on benefits also don’t need to act.
Direct deposit changes, whether online or in-person, will now be processed within one business day, which is down from the previous 30 day wait.
What if you don’t have a my Social Security account?
Create a free my Social Security account at ssa.gov/myaccount to manage benefits online, request a replacement card, or view your earnings and benefit estimates. To start the sign-up process, you will be prompted to create an account with one of two credential service providers, Login.gov or ID.me. These services meet the U.S. government’s identity proofing and authentication requirements and help the SSA securely verify your identity online, so you won’t need to prove your identity at an SSA office. You can also use your existing Login.gov or ID.me credentials if you have already signed up with one of these providers elsewhere.
If you’re unable or unwilling to create a my Social Security account, you can call the SSA and start a benefits claim; however, if you’re filing an application for retirement, survivor, spousal, or dependent child benefits, your request can’t be completed until your identity is verified in person. You may also start a direct deposit change by phone and then visit an office to complete the identity verification step. You can find your local SSA office by using the Social Security Office Locator at ssa.gov.
Beware of Scams
Scammers may exploit this new rule, posing as SSA officials to steal personal data. The SSA never contacts you via text or social media, nor will they threaten you, demand money, or suspend your Social Security number. Unsolicited requests for identity verification are red flags. Learn scam warning signs at ssa.gov/scam.
Final Thoughts
This rule targets fraud but may complicate access for some. Setting up a my Social Security account is the simplest way to avoid in-person visits. If you’re unsure, visit the ssa.gov website or call social security to guide you.
Respectfully Submitted
CRA Investment Committee
