Starting September 30, 2025, the Social Security Administration (SSA) will no longer send out paper checks to most beneficiaries. This is part of a plan by the U.S. government to move all federal payments to electronic methods like direct deposit or prepaid debit cards.
This change will affect about 500,000 people, which is just 0.8% of all Social Security beneficiaries. If you or someone you know still receives a paper check each month, you’ll now need to switch to a digital payment option — unless you qualify for an exception.
Why Is the SSA Making This Change?
The SSA says it’s all part of a plan to modernize the system and improve service. This move is also part of President Donald Trump’s executive order to make all federal payments digital by September 30.
There are a few major reasons for this decision:
Security: Paper checks are easier for fraudsters to steal or fake.
Cost Savings: Each paper check costs about 50 cents to send. Sending payments electronically costs less than 15 cents.
Convenience: Electronic payments are faster and more reliable.
The U.S. Treasury Department has also backed the change, saying that moving away from paper will reduce fraud risks and help people make safer financial decisions.
What Are the New Payment Options?
If you’re a Social Security beneficiary currently receiving paper checks, you have two options going forward:
Direct Deposit – Your benefits will be sent directly into your bank account.
Direct Express Debit Card – If you don’t have a bank account, the SSA will send your payment to a prepaid debit card, which works like a regular ATM card.
Are There Any Exceptions?
Yes. While most people will need to switch to digital payments, some exceptions will be allowed, especially for those who face difficulties using digital systems.
You may be eligible to continue receiving paper checks if:
You are 90 years old or older
You have a mental condition that makes it hard to manage electronic payments
You live in a remote area with no access to online banking or ATM services
If you believe you qualify for an exception, you can request a waiver by calling the Waiver Line at 1-855-290-1545, or by printing and mailing the waiver request form from the GoDirect.gov website.
What About People Who Still Need Paper Checks?
Senator Elizabeth Warren has said that no one will be left behind. In a recent call with reporters, she mentioned that SSA Commissioner Frank Bisignano agreed to allow limited exceptions. While the SSA has not made a public announcement confirming this, it has stated that people who have no other way to receive their benefits will still be allowed to get paper checks.
The SSA is also contacting affected beneficiaries to help them make the switch smoothly or explain how to apply for a waiver.
What Should You Do Now?
If you are still getting a Social Security paper check:
Check your eligibility for digital payments
Set up a bank account if you don’t have one
Register for Direct Deposit or apply for a Direct Express Card
If needed, apply for a waiver to keep receiving paper checks
It’s best to act before September 30, 2025, to avoid any delays in your monthly payments.
