Social Security Administration Implements Stricter Identity Verification Policy, Impacting Vulnerable Populations
Starting next month, a significant shift in Social Security Administration (SSA) policy will require a growing number of Americans to visit their local Social Security offices in person to finalize claims or enroll in benefits. The new policy, driven by enhanced security concerns, mandates in-person identity verification for individuals unable to access their "my Social Security" online account. This change is expected to disproportionately affect vulnerable populations, including those without internet access or mobility limitations.
Previously, individuals who could not verify their identity online had the option of contacting the agency by phone or visiting a Social Security office. While online identity verification was required for modifications to banking information, these could still be initiated over the phone. Under the new policy, these options are significantly restricted, requiring a physical presence for verification purposes.
The SSA’s "stronger identity verification procedures" are slated to be implemented within the next two weeks. According to a memo from Social Security Administration Commissioner Leland Dudek, leaked to multiple news outlets last week, these changes are designed to better protect against fraudulent claims. However, Dudek also acknowledged that the policy shift will have a substantial impact on vulnerable populations.
The most impacted individuals will be those who lack internet access or are unable to leave their homes due to physical limitations or other circumstances. Dudek estimated that the new policy would result in an additional 75,000 to 85,000 Americans needing to visit Social Security offices each week. This surge in in-person visits could strain the agency’s resources and potentially lead to longer wait times for all applicants and beneficiaries.
The timing of this policy change is particularly concerning, as it follows the Trump administration’s recent announcement of the closure of numerous local Social Security offices. The closure of these offices, coupled with the new identity verification requirements, creates a potential bottleneck for those seeking Social Security services. Furthermore, the policy change comes shortly after a memo recommending the agency no longer allow individuals to make changes over the phone, as reported by USA TODAY.
Key Details of the New Policy:
- Effective Date: Monday, March 31.
- Requirement: Anyone seeking Social Security services who cannot use their personal "my Social Security" account must visit a local Social Security office to prove their identity in person.
- Direct Deposit Changes: The agency says it will expedite processing requests for direct deposit changes – both in person and online – to one business day. Previously, individuals had to wait up to 30 days for direct deposit changes to be processed.
- Claim Initiation: Applicants who do not or cannot use the agency’s online “my Social Security” services can start their claim for benefits on the phone. However, the claim will not be fully processed until the applicant’s identity is verified in person.
Navigating the New Policy:
- In-Person Visits: Applicants who decide to visit their local Social Security office in person, with or without an appointment, will need to provide proof of identity.
- "my Social Security" Account: Individuals who are able to access and use their "my Social Security" account can continue to conduct most business online.
- Direct Deposit Updates: To update or make changes to direct deposit information, individuals must either visit a local office or call 1-800-772-1213 to schedule an in-person appointment.
- Online Services: Applicants and beneficiaries can make changes or requests online, including reporting a change of address or phone number, requesting a replacement Medicare card, and obtaining a benefit verification letter.
- Appointment Scheduling: The SSA encourages individuals to start tasks online, as some tasks may require an in-person visit to complete. The agency states that starting online can save time and help expedite the process. To schedule an in-person appointment or find the location of your local office, call 1-800-772-1213.
While the SSA has stated that it will expedite processing requests for direct deposit changes, the overall impact of the new policy on service delivery remains to be seen. The agency’s ability to handle the anticipated increase in in-person visits, particularly in light of recent office closures, will be a crucial factor in ensuring that vulnerable populations are able to access the benefits they are entitled to.
The specifics of the documents required to verify a person’s identity have not been fully clarified. The Social Security Administration did not immediately respond to requests for additional information, leaving many unanswered questions about the practical implementation of the new policy. As the implementation date approaches, it is crucial for the SSA to provide clear and comprehensive guidance to ensure a smooth transition and minimize the disruption to beneficiaries and applicants.
