A my Social Security Account is Essential, Especially for Seniors

The Social Security Administration (SSA) is increasingly prioritizing online services, making a my Social Security account a vital tool for accessing and managing your benefits.  While the new rules were recently delayed until April 14^th, 2025 after an outcry from the AARP and other stakeholders, seniors should still prepare for the new rules to take effect soon.  After April 14th, seniors will no longer be able to verify their identity to the SSA over the phone and will be instead required to visit a field office in person or go online to complete the verification process.  The change will apply to new Social Security applicants and existing recipients who want to change their direct deposit information.  The SSA also said it would not enforce digital or in-person verification in what it called “extreme dire-need situations.”

While in-person assistance remains an option, the reality is that many interactions are now already streamlined through the digital portal. This shift is particularly important for seniors, especially those who may face mobility challenges.  And with Social Security being the primary source of income for about 40 percent of older Americans, the stakes could not be higher.

At the Law Practice of Dennison Keller, we consistently counsel our clients about the importance of accessible and convenient benefit management. That’s why we still strongly encourage seniors to create and actively utilize their my Social Security account.  With decreases in available phone support and difficulty in staffing the field offices themselves, a mySSA.gov account is a vital fallback.

Beyond Convenience: Accessibility is Key

The move towards digital services isn’t just about efficiency; it’s about accessibility. Consider these scenarios:

• Infirmity and Limited Mobility: If you’re infirmed or have limited mobility, traveling to a Social Security office can be difficult or impossible. A my Social Security account allows you to manage your benefits from the comfort of your home or online from anywhere you have internet access.
• Rural Living: For those living in rural areas, Social Security field offices may be located far away. Online access eliminates the need for long and potentially challenging journeys.
• Unexpected Health Issues: Sudden health issues can make in-person visits difficult or impossible. Having online access ensures you can still manage your benefits without interruption.

What Your my Social Security Account Offers:

• Remote Access to Vital Information: Manage current benefits without leaving your home. We often seek a client’s most up-to-date benefit information, especially in a crisis application for Medicaid benefits.
• Simplified Tasks: Complete tasks like updating your address, requesting a replacement card, and accessing your 1099 tax forms online, eliminating the need for in-person visits or lengthy phone calls.  You can also change a direct deposit which can be a critical task in a married couple’s Medicaid application.
• Peace of Mind: Knowing you can access and manage your benefits remotely provides peace of mind, especially during times of sudden illness or limited mobility.

A my Social Security account empowers seniors to maintain independence and control over their benefits, regardless of their physical or geographic limitations.

Getting Started is Simple:

1. Visit the SSA Website: Go to www.ssa.gov/myaccount.
2. Follow the Instructions: Provide the necessary information to verify your identity.  You’ll be offered the opportunity to create an account with one of two credential service partners: either with login.gov or ID.me.  You’ll need a valid email address along with other identifying information.
3. Create a Strong Password: Protect your account with a unique and secure password.
4. Be prepared to set up Multi-Factor Authentication (MFA): Enhance security by using MFA methods like text messages, phone calls, passkeys or physical security keys.

We’re Here to Assist You:

We understand that technology can be intimidating for everyone, not just seniors and their families! For assistance with your elder law needs, please contact us at 513-818-1111 or visit our website at www.elderlawcincinnati.com. We’re here to help you navigate the complexities of a rapidly evolving Social Security system and ensure you have access to the benefits you have earned.