SSA’s Transition to Stronger Identity Verification
The Social Security Administration (SSA) is taking proactive steps to enhance the security of its services by implementing stronger identity verification procedures. These updates are aimed at safeguarding Social Security records and benefits from fraudulent activity. Over the next two weeks, SSA will carefully transition to new identity proofing procedures for both benefit claims and direct deposit changes.
Key Changes and Transition Timeline
- Stronger Identity Verification:
Individuals seeking Social Security services who are unable to use their personal my Social Security account—which requires online identity proofing—will be required to visit a local Social Security office for in-person identity verification.
- Expedited Processing for Direct Deposit Changes:
Starting immediately, all direct deposit change requests, whether made in person or online, will be processed within one business day. This is a significant improvement, as previously online direct deposit changes were held for 30 days.
Lee Dudek, Acting Commissioner of Social Security, emphasized the importance of these changes:
“Americans deserve to have their Social Security records protected with the utmost integrity and vigilance. For far too long, the agency has used antiquated methods for proving identity. Social Security can better protect Americans while expediting service.”
- Two-Week Transition Period:
SSA’s two-week transition plan will involve extensive training for both frontline employees and management. During this period, SSA will carefully monitor policy compliance to ensure a smooth shift to the new procedures. This transition will conclude on March 31, 2025, at which point the agency will enforce both online and in-person identity verification for all Social Security transactions.
- Telephone Claims Process:
For individuals who cannot use the online services, SSA will allow them to start their claim for benefits over the phone. However, the claim cannot be fully processed until the individual’s identity is verified in person. To streamline this process, SSA recommends that individuals schedule an in-person appointment so the claim can be completed in a single visit.
- Direct Deposit Changes and In-Person Requirements:
If individuals cannot use the online my Social Security services to change their direct deposit information, they may visit a local office or call the SSA at 1-800-772-1213 to schedule an in-person appointment.
Strengthening In-Person Services
SSA has also recently implemented a policy requiring nearly all employees, including those at frontline offices nationwide, to return to the office five days a week. This change ensures that sufficient staff is available to support the increased demand for in-person identity verification services.
Upcoming Integration of Account Verification Service (AVS)
SSA plans to integrate the Department of Treasury’s Bureau of the Fiscal Service’s Account Verification Service (AVS) into its operations. AVS will provide instant bank verification services, proactively preventing fraud related to direct deposit change requests.
Ongoing Monitoring and Adjustments
The SSA will continue to closely monitor the impact of these changes and make adjustments as needed. The goal is to ensure that benefits are paid to the right person in the right amount and at the right time, all while maintaining the security of the programs and services it administers.
Potential Challenges Ahead
While these changes are aimed at enhancing security, they may create significant challenges. The termination of phone verification for bank information and identity checks is expected to lead to a dramatic increase in office traffic. With wait times already exceeding a month and staffing at record lows, it is estimated that the new in-person verification requirements could increase office traffic by up to 75,000 visitors per week.
Furthermore, the closure of some SSA offices will limit access for many individuals, particularly elderly and disabled citizens, who may face greater difficulty in reaching their local offices for required identity verification.
