Social Security says it will no longer send paper checks. What you need to know - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
August 12, 2025 Newswires
Share
Share
Post
Email

Social Security says it will no longer send paper checks. What you need to know

Tami Luhby Jeanne SahadiPhiladelphia Tribune

The Trump administration will soon stop sending out paper checks for Social Security beneficiaries, as part of an effort to fully modernize federal benefits payments. That means a little over half a million recipients — or 0.8% of all the program's beneficiaries — must now choose another way to receive their benefits.

There will, however, be some exceptions made. More on that in a minute.

The Social Security Administration announced in mid-July that starting on September 30 it would no longer issue paper checks. In a blog post it said beneficiaries who have been getting paper checks must pick one of two alternatives: Have their benefit payments delivered electronically by direct deposit; or, if they don't have a bank account, receive their benefit payments on a pre-paid debit card known as Direct Express.

Why the switch? "It's part of a broader government-wide initiative to modernize payment systems and enhance service delivery," the SSA blog noted.

Indeed, the U.S. Treasury Department said at the end of May that all federal payments — including Social Security benefits, tax refunds and vendor payments — would be made electronically starting on September 30 in keeping with President Donald Trump's executive order to transition to all electronic payments by that date.

"Paper checks are increasingly the front door for fraud. Treasury is committed to raising awareness of the growing fraud risks associated with paper checks and providing Americans with the knowledge and tools to fight financial fraud and make informed financial decisions," the Treasury said in a statement.

Going electronic will also save money. Issuing paper checks costs about 50 cents each, while sending funds electronically costs less than 15 cents, the Social Security Administration said.

But exceptions will be made.

On July 23, Sen. Elizabeth Warren — who sits on the Senate's Special Committee on Aging as well as the Senate Finance Subcommittee on Social Security, Pensions and Family Policy — said in a call with reporters that she had met with Social Security Commissioner Frank Bisignano and asserted that he committed to allowing for some exceptions to be made to the new policy.

"Their plan is to start with people who do have checking accounts, but he made a commitment that no one will be left behind, and the people who still need access to paper checks will have that access to paper checks," Warren told reporters.

The Social Security Administration hasn't put out a public statement affirming that. But in an email replying to CNN's queries, a Social Security spokesperson said, "SSA is proactively contacting those beneficiaries to alert them about the change and the process to enroll in direct deposit or receive Direct Express cards. Where a beneficiary has no other means to receive payment, we will continue to issue paper checks."

The mandate for federal payments to be made electronically didn't start with the Trump administration. It's been a matter of law for years for most payments, although the law has allowed agencies to make exceptions.

At the GoDirect site, there is a section about how recipients who still need to receive a paper check can request a waiver.

But it notes exceptions are granted "only in rare circumstances." Just three such circumstances are listed: 1) if "electronic payments would impose a hardship due to a mental impairment"; 2) if the benefits recipient "lives in a remote geographic location lacking the infrastructure to support electronic financial transactions"; and 3) if the recipient is age 90 or older.

The page instructs people who want a waiver to contact the Waiver Line at the US Treasury Electronic Payment Solution to request a waiver application at 1-855-290-1545. Or recipients may print out this form and mail it to the address listed at the bottom.

Older

Social Security offices in Florida lost 5% of staff this year

Newer

Social Security offices lost estimated 20% of staff this year, causing delays

Advisor News

  • House panel votes to raise certain taxes, transfer money to offset Medicaid shortfall
  • Iowa House backs temporary tax hike to fill Medicaid gap
  • Iowa Medicaid temporary tax plan draws sharp public opposition
  • Charitable giving planning can strengthen advisor/client relationships
  • New $6K deduction could provide tax planning window for retirees
More Advisor News

Annuity News

  • We can help find a loved one’s life insurance policy
  • 2025: A record-breaking year for annuity sales via banks and BDs
  • Lincoln Financial launches two new FIAs
  • Great-West Life & Annuity Insurance Company trademark request filed
  • The forces shaping life and annuities in 2026
More Annuity News

Health/Employee Benefits News

  • Minnesota Blue Cross CEO steps down from Sutter Health board over conflict of interest
  • 'No-cost" Lantern surgical benefit has modest early use from SHP members
  • House panel votes to raise certain taxes, transfer money to offset Medicaid shortfall
  • ACA TURNS 16 AS MEGABILL'S ANTI-IMMIGRANT STANCE SETS PATH TO END COVERAGE GAINS AMONG PEOPLE WITH LAWFUL IMMIGRATION STATUS
  • WARNER, SENATE DEMOCRATS UNVEIL PLANS TO LOWER HEALTH COSTS AMID TRUMP'S BROKEN PROMISES TO AMERICANS
More Health/Employee Benefits News

Life Insurance News

  • Murray Giles Hulse
  • New individual life premium hits record-setting $17.5B in 2025
  • Maryland orders Cigna to halt underpaying doctors or give cause
  • Insurers optimistic about their investments in 2026
  • AM Best Affirms Credit Ratings of PVI Insurance Corporation
More Life Insurance News

- Presented By -

Top Read Stories

More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Elevate Your Practice with Pacific Life
Taking your business to the next level is easier when you have experienced support.

Your Cap. Your Term. Locked.
Oceanview CapLock™. One locked cap. No annual re-declarations. Clear expectations from day one.

Ready to make your client presentations more engaging?
EnsightTM marketing stories, available with select Allianz Life Insurance Company of North America FIAs.

Unlock the Future of Index-Linked Solutions
Join industry leaders shaping next-gen index strategies, distribution, and innovation.

Press Releases

  • LifeSecure Insurance Company Announces Retirement of Brian Vestergaard, Additions to Executive Leadership
  • RFP #T02226
  • YourMedPlan Appoints Kevin Mercier as Executive Vice President of Business Development
  • ICMG Golf Event Raises $43,000 for Charity During Annual Industry Gathering
  • RFP #T25521
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet