With the deadline approaching for discontinuing paper checks for Social Security payments, seniors on Long Island and other federal benefit recipients need to prepare for a shift to electronic payments.
Starting September 30th, the federal government will stop issuing paper checks to Americans receiving Social Security payments, transitioning instead to direct deposit. This change was announced by the White House in March and will also apply to all federal benefit payments from the IRS and the Department of Veterans Affairs. The goal is to cut costs and enhance security.
Currently, around 590,000 Social Security beneficiaries, which is about 0.8% of total beneficiaries, are still receiving checks.
“If there is absolutely no other way for the beneficiary to receive their payment, we will continue to issue paper checks,” an agency spokesperson mentioned via email.
Richard Height, a retired accountant from Islip, expressed concerns about elderly residents in his community. He noted, “We know a few people who don’t have computers.” Height, whose wife works as an accountant, prefers traditional checks for paying bills. He admits that he doesn’t use electronic payment methods but does receive his Social Security payments through direct deposit. “The thought of providing my account details online is quite unsettling,” he said.
Professor Richard Himelfarb, an expert in Social Security politics, remarked that this transition marks a significant change. He pointed out that the first Social Security check—issued to a woman named Ida May Fuller—was for $22.54 on January 31, 1940. “Now, here we are in 2025, and paper checks are going away for good. Life continues,” he noted.
Here are seven key points regarding the transition from paper checks:
Which programs are discontinuing paper checks?
Essentially all federal payments, including those from the Social Security Administration, Veterans Affairs, and the IRS, will eliminate paper checks. However, federal law allows VA recipients to request paper checks if they choose, as noted by VA spokesperson Pete Kasperic.
What electronic payment options are available for seniors?
For those still receiving paper checks, there are two primary options for transitioning to electronic payments, according to the SSA.
- Payments can be made via direct deposit into a bank or credit union account.
- Alternatively, recipients can use a prepaid debit card known as a fast card.
How can I register for electronic payments?
Switching from paper to electronic payments can be done in several ways:
- Call the Ministry of Finance’s Electronic Payment Solutions Center at 800-333-1795 and provide the necessary bank account details.
- Visit your bank or credit union in person to request a change to direct deposits.
- Contact the Social Security Agency directly at 800-772-1213 to request the change.
- Visit the Treasury’s Go Direct website for online changes to payment options.
- Complete an FS Form 1200 and mail it to the Treasury Department’s GO Direct Processing Center in Dallas, Texas.
What if I do not have a bank account?
If you lack a bank account, the SSA states that recipients can obtain a direct express debit card for monthly payments. Those interested in opening a bank account can visit the FDIC website to find insured banks in their area.
Are there exemptions for those in need?
Beneficiaries may call 855-290-1545 or download a waiver request from the Ministry of Finance if needed. Exemptions can be granted on a case-by-case basis.
What if I miss the deadline?
The SSA indicates that recipients should complete changes to their direct deposit or debit cards to ensure timely payments.
How can I get help?
For assistance in switching to direct deposit or direct express debit cards, contact the Social Security Agency at 800-772-1213 or call the Ministry of Finance’s Electronic Payment Solutions Center at 800-333-1795.
