The Social Security Administration (SSA) is making a significant change that affects beneficiaries receiving payments via check: starting September 30, 2025, Social Security benefits will no longer be issued via physical check. This shift to electronic payments is part of a nationwide effort to modernize the delivery of benefits, making the process faster, more secure, and more efficient.

Who Is Affected?

This change primarily affects less than 1% of beneficiaries currently receiving paper checks. If you are in this group, it’s essential to take action now to avoid delays in receiving your monthly benefits.

Why Is the SSA Is Moving Away from Paper Checks?

The transition to electronic payments has several benefits:

1. Speed and efficiency. Electronic payments are processed more quickly than paper checks, enabling beneficiaries to receive funds on time without delay.
   
   
2. Cost savings. Paper checks cost the federal government roughly 50 cents each to issue, while electronic payments cost less than 15 cents. Transitioning to electronic payments saves millions annually.
   
   
3. Enhanced security. Paper checks are 16 times more likely to be lost or stolen than electronic payments, increasing the risk of fraud. Electronic payments offer a safer and more reliable way to receive benefits.

What Are My Options for Receiving Benefits Electronically?

Beneficiaries have two main options for receiving Social Security payments electronically:

1. Direct Deposit: Payments can be deposited directly into your checking or savings account. Enrollment is simple and ensures funds are available promptly each month.
2. Direct Express Card: For individuals without a bank account, this prepaid debit card is specifically designed for federal benefit payments, offering a safe and convenient alternative.
   
   

You can update your payment method at any time through your My Social Security account.

How Does This Change Help Beneficiaries?

The SSA is sending notices to all current paper check recipients to explain the upcoming change and provide guidance for enrolling in electronic payments. Each benefit check will include an insert detailing the steps to transition, and SSA staff are available to assist beneficiaries throughout the process.

What Does This Mean for Michigan Beneficiaries?

If you are receiving a paper check, it’s crucial to switch to an electronic payment method before September 30, 2025. Failure to update your payment information could result in delayed benefits. By making the change now, you’ll ensure your Social Security payments continue uninterrupted while benefiting from faster, safer, and more reliable delivery.

For legal assistance or guidance on how to navigate Social Security benefits, Disability Attorneys of Michigan are here to help. Contact us today by completing the form or giving us a call at (800) 949-2900 to get started with a free consultation.