Starting March 31, 2025, the Social Security Administration (SSA) will enforce a new rule that could impact millions of Americans applying for or managing their Social Security benefits. Under the update, phone-based identity verification will be discontinued. If you can’t verify your identity online, you’ll be required to visit an SSA office in person.
This move is part of the government’s broader effort to improve digital security, prevent identity theft, and make sure benefits reach the right person. Whether you’re applying for retirement, disability (SSDI), survivor benefits, or SSI, it’s important to understand how this change works—and how to stay ahead.
What’s Changing and Who It Affects
Effective March 31, 2025, the SSA will:
- Stop phone-based identity verification
- Require online verification via “my Social Security” account
- Mandate in-person verification if online ID checks fail
This affects:
- New applicants for retirement, SSDI, or survivor benefits
- Existing beneficiaries who need to update direct deposit information
- Users creating or recovering a my Social Security account who cannot complete online verification
Why the Change?
The SSA has faced growing cases of identity theft and fraud, especially through phone-based verification. To better protect over 70 million Americans, the SSA is shifting to stronger, secure methods of verifying identities. This aligns with a larger government push to modernize digital services while maintaining strict data protection.
What to Do if You Can’t Verify Online
If the SSA’s system can’t confirm your identity through its online portal, you’ll need to go to a local SSA office with original ID documents (not photocopies). This includes:
- U.S. passport or state driver’s license
- Social Security card (if available)
- Birth certificate or immigration documents (if applicable)
SSA staff will verify your identity manually. Starting March 31, this in-person step becomes mandatory—you will not be able to confirm identity over the phone.
Why You Should Set Up Your Online SSA Account Now
To avoid long lines and delays later, the SSA recommends creating or updating your online “my Social Security” account now.
Here’s what you can do with your online account:
- Apply for benefits (retirement, disability, survivor)
- Check application or benefit status
- Estimate future payments
- Update direct deposit or contact details
- Access work history and SSA letters
Go to ssa.gov/myaccount and follow the steps to register. You’ll need to answer identity questions and may be asked to verify your phone or email with a security code.
Direct Deposit Changes: One-Day Processing Starts in 2025
In addition to the ID verification change, the SSA is also speeding up direct deposit updates. Previously, it took up to 30 days to process changes to your banking details. Now, updates will be processed in just one business day—as long as your identity is verified correctly.
This is a big improvement for those switching banks or updating account numbers, ensuring there are no delays in receiving monthly benefits.
Accessibility Concerns and SSA Support
Advocates have raised concerns that this shift might create challenges for people who:
- Live in rural areas
- Have limited mobility or transportation
- Struggle with technology or internet access
To support these individuals, the SSA is:
- Adding staff to local offices
- Improving appointment availability
- Offering assistance through the national helpline: 1-800-772-1213
Still, the most effective way to avoid issues is to verify your identity online before the March 31 deadline.
Step-by-Step Guide to Prepare for March 31, 2025
1. Create or Update Your SSA Online Account
- Visit ssa.gov/myaccount
- Enter your personal info
- Set up two-factor authentication
2. Confirm or Update Direct Deposit Information
- Log in to your account
- Make sure your bank name, routing number, and account number are correct
- Update details before March 31 to avoid disruption
3. Gather Backup Documents
If your online verification fails, be ready with:
- Valid photo ID
- Birth certificate
- SSA documents or benefit letters
4. Locate Your Nearest SSA Office
Use ssa.gov/locator to find an office near you and check hours or book an appointment.
5. Call for Help If Needed
Call 1-800-772-1213 (TTY: 1-800-325-0778) if you’re in a rural or underserved area, or if you need help using the online portal.
The SSA’s new identity verification rule starting March 31, 2025, is designed to enhance security and protect benefits—but it also requires beneficiaries to take action. If you don’t verify online or visit an SSA office, your benefits could be delayed or your application paused.
Don’t wait. Take steps now to set up your my Social Security account, confirm your bank info, and locate your local office. This simple preparation can save you from long lines, missed payments, and unnecessary stress.
