Posted by Starting Monday, the Social Security Administration (SSA) will enforce new anti-fraud measures aimed at strengthening identity verification and reducing scams.
However, confusion has swept across the nation due to multiple policy revisions and unclear communication.
Here’s a full breakdown of the new procedures, how they affect benefit applications, and what beneficiaries need to do to stay compliant.
What Are the New Anti-Fraud Measures?
The SSA is implementing two major changes:
- Phone Application Fraud Check:
All telephone applications for benefits will now be flagged for anti-fraud checks. If a claim is deemed suspicious, the applicant must verify their identity in person. - Ban on Changing Direct Deposit Info by Phone:
Beneficiaries can no longer update bank details via phone. This step follows data showing nearly 40% of fraud cases stem from phone-based changes to direct deposit information.
Updated Verification Options:
Beneficiaries must now use the “my Social Security” online portal or visit a local office to make such changes.
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Recent Revisions Sparked Confusion
Since the announcement of these measures, the SSA has reversed and revised several aspects of the policy:
| Date | Policy Update |
|---|---|
| March 31 (original) | Phone applications banned for all benefits. Must use online or in-office options. |
| Following week | Ban limited to retirement, survivors, and family benefits. Disability, SSI, and Medicare not affected. |
| Early April | Full reversal. Phone applications allowed for all programs. Only flagged claims require in-person ID verification. |
According to SSA, 70,000 out of 4.5 million phone claims are expected to be flagged annually under the new fraud screening process.
Why Are These Measures Being Introduced?
The initiative is backed by the Department of Government Efficiency (DOGE), led by high-profile figures pushing for systemic modernization.
The goal is to ensure the integrity of Social Security payments and stop impersonators from accessing others’ benefits.
SSA officials stressed that phone access remains available, but security is a growing concern due to outdated verification methods. That’s why in-person or portal-based verifications are being prioritized.
READ MORE: New Rule to Maintain Social Security Benefits Starts in April
Public Reaction and Concerns
These rapid changes have left both beneficiaries and SSA staff overwhelmed:
- Applicants rushed to field offices, fearing their payments might stop without identity verification.
- Phone lines flooded with confused callers.
- SSA staff were inadequately trained, receiving updates only hours before implementation.
- Older adults and the disabled, who rely on telephone access, were especially concerned about the shift.
Advocacy groups like AARP welcomed the recent reversal, praising the continued allowance of phone claims for all programs.
Challenges for SSA Offices and Applicants
Numerous Americans, like Kevin Jochems and Matt Koob, have faced long queues, lack of appointments, and disconnects on the SSA helpline.
Misinformation prompted many to verify identities prematurely, only to be turned away or redirected to the overwhelmed 800-number line.
These incidents highlight the urgent need for clear communication and better training of SSA personnel as the new rules come into effect.
How to Stay Ahead of the Changes
To avoid disruptions:
- Create or update your “my Social Security” online account.
- Avoid making changes via phone unless guided by SSA.
- Visit your local SSA office only if flagged or instructed.
- Keep records of all communications and changes to your SSA account.
While the Social Security Administration’s anti-fraud initiatives aim to modernize the benefits system and reduce fraud, the confusion and miscommunication surrounding these updates have left many Americans frustrated.
With only a small percentage of claims flagged, most applicants won’t be affected—but staying informed and proactive is key.
Creating an online account and verifying information through the proper channels can help ensure uninterrupted access to benefits.
FAQs
Will all phone applicants need to verify their identity in person?
No. Only those flagged for fraud risk during SSA’s internal review will be required to visit an office.
Can I still apply for benefits over the phone?
Yes. SSA reversed the initial ban. Phone applications remain valid across all programs, unless flagged for additional checks.
How can I change my bank account information for direct deposit?
Beneficiaries must now change their direct deposit details through the “my Social Security” online portal or by visiting a local office. Phone updates are no longer allowed.