Millions of Seniors May Face Long Drives Under New Social Security Policy

A new Social Security Administration (SSA) policy requiring in-person visits for direct deposit changes is expected to result in nearly two million additional visits to local field offices annually, prompting concerns over accessibility for elderly and disabled beneficiaries.

The policy, which took effect in April, is intended to combat a rise in direct deposit fraud. To change bank account information, beneficiaries must now log into their My Social Security account and receive a one-time code before calling the SSA. Those unable to complete the process online or through their bank must visit a field office in person.

Car traveling along a remote highway | Source: Pexels

According to a new analysis by the Center on Budget and Policy Priorities (CBPP), nearly one in four seniors lives more than an hour away from a Social Security office, while half face travel times of at least 33 minutes. The policy change could generate over one million hours of travel annually, the CBPP estimates.

CBPP identified states with the highest travel burdens, including Arkansas, Maine, Mississippi, Montana, and Wyoming, where over 40% of seniors must drive more than an hour. In 31 states, at least 25% of seniors face similarly long drives.

SSA data shows that from March 29 to April 26, enhanced fraud protections blocked more than 20,000 suspicious direct deposit change attempts. These measures are credited with preventing an estimated $19.9 million in losses.

Man driving alone on a rural road | Source: Pexels

Advocates argue the policy’s burden may outweigh its benefits. “About 2,000 beneficiaries had their direct deposits redirected over the prior year,” said Kathleen Romig of the CBPP. “Yet the agency is now requiring about 2 million elderly and disabled individuals to visit its offices to prevent such fraud.”

Staffing cuts at SSA, amounting to roughly 7,000 fewer employees, may further impact appointment availability, with only 43% of beneficiaries securing an appointment within 28 days.