A major milestone is coming for retirees: beginning September 30, 2025, the Social Security Administration (SSA) will stop issuing paper checks for monthly benefit payments.
This marks the end of a practice that started in 1940, when millions of Americans eagerly awaited their checks in the mail each month. Going forward, benefits will only be delivered through electronic payments.
The change is designed to improve efficiency, enhance security, and save money for the government. It represents a new chapter in how retirees receive their benefits, ensuring payments are faster and less vulnerable to fraud.
Why the Change Is Happening
There are three major reasons behind this shift:
- Faster Payments – Electronic funds transfers (EFTs) are processed more quickly than mailing paper checks.
- Better Security – Paper checks are up to 16 times more likely to be lost or stolen, increasing the risk of fraud.
- Lower Costs – Each paper check costs about 50 cents to produce, compared to 15 cents for electronic payments. The move will save the U.S. government millions annually.
Key Details Retirees Should Know
| Feature | Details |
|---|---|
| Effective Date | September 30, 2025 |
| Who’s Affected | Less than 1% of beneficiaries still receiving paper checks |
| New Payment Options | • Direct Deposit to a bank account • Direct Express® prepaid debit card for those without bank accounts |
| Why Change? | Faster payments, reduced fraud, and millions in savings |
| What To Do Now | Enroll in Direct Deposit or Direct Express before Sept. 30 |
| Future Updates | 2026 COLA announcement expected Oct. 15, 2025 |
What Retirees Need to Do
Most retirees will not have to take any action, since the vast majority already receive electronic payments. However, for the small group still using paper checks, here’s what to do:
- Choose a payment option: Direct Deposit or Direct Express Card.
- Update your information: Log in to your my Social Security account or visit your local SSA office.
- Act before September 30: Missing the deadline could result in delayed payments.
Another Change Coming Soon: COLA 2026
In addition to the end of paper checks, retirees should prepare for the upcoming 2026 Cost-of-Living Adjustment (COLA). The official announcement will be made on October 15, 2025, once inflation data is finalized.
Current projections suggest the COLA will be around 2.7%, which would increase the average monthly benefit of $2,008 by approximately $54. While this boost offers some relief, rising expenses like healthcare and Medicare premiums may reduce its impact.
The elimination of paper Social Security checks marks a historic transition in the way retirees receive their benefits. Starting September 30, 2025, all payments will be made electronically, improving speed, security, and cost savings.
Retirees should ensure their accounts are updated and prepare for the upcoming COLA increase in 2026, which promises a modest benefit boost.
By staying informed and making necessary adjustments now, retirees can avoid disruption and continue receiving their benefits smoothly in the future.
FAQs
Will my benefits change when paper checks end?
No, the payment method is changing, not the amount. Benefits will remain the same.
What if I don’t have a bank account?
You can choose the Direct Express prepaid debit card to receive your payments securely.
When will the 2026 COLA be announced?
The official announcement is scheduled for October 15, 2025, based on inflation data from the previous months.