Do I need to verify my identity for Social Security?

A new policy requiring many Social Security recipients to verify their identity is set to take effect this month. Aimed at reducing fraud, the move has raised concerns about how it will impact those relying on Social Security benefits.

What You Need to Know

For those on Social Security, the most important thing to know is that your monthly benefits will continue to be deposited into your current bank account. However, if you need to make any changes to your direct deposit information, the process will no longer be as simple as calling by phone. Starting April 14, Social Security recipients will need to verify their identity either online with a personal my Social Security account or in person at a local Social Security office.

Impact on Applicants and Current Recipients

The new policy primarily affects individuals who are setting up direct deposit for the first time when applying for certain cash benefits. For those already receiving benefits, it will only apply if they choose to change their direct deposit information in the future.

The Social Security Administration (SSA) is strengthening its identity verification process to combat identity theft and fraud.

“I have no complaints about proving the validity for the IDs,” says Byron Wood, a Social Security recipient. However, he is concerned about identity theft. “Theft and people receiving Social Security that are dead, I had no idea how much fraud there was.”

AARP’s Concerns

AARP has expressed opposition to the new identity-proofing rules, which could require millions of people to file claims in person.

“Our members nationwide have told us this change would require hundreds of miles and hours of travel merely to fill out paperwork,” said Nancy LeaMond, AARP’s chief advocacy and engagement officer in a statement last month. “SSA should be prioritizing customer service effectiveness and efficiency, and as older Americans tell us, the announcement requiring visits caused confusion and distress.”

How to Verify Your Identity

To comply with the new policy, applicants will need to verify their identity through Social Security’s online services using a personal "My Social Security" account or visit a local office in person. After April 14, anyone who needs to make a change must complete the process online unless they cannot access online services.

Why the Change?

The federal agency believes this will help prevent bad actors from stealing benefits. The SSA emphasized that people do not need to contact Social Security unless they need to change their direct deposit information and cannot do so online. Benefits will continue to be paid as usual, without requiring identity verification for those whose information remains unchanged.

Medicare, disability, and SSI applications will be exempt from in-person identity proofing.