The Social Security Administration (SSA) is set to terminate paper check payments effective September 2025. If you still receive your Social Security, SSDI, or SSI benefits by mailed check, now’s the time to act. Here’s everything Canadian Americans or cross-border retirees need to know:
🚫 What’s Changing?
- Starting September 2025, the SSA will no longer mail paper checks for benefits.
- All beneficiaries must switch to electronic payment methods:
- Direct deposit to a U.S. bank account
- The Direct Express® prepaid debit card (for those without bank accounts)
This update aims to increase payment security and reduce processing delays.
✳️ Who Is Affected?
- Recipients of Social Security Retirement, Disability (SSDI), and Supplemental Security Income (SSI).
- Beneficiaries receiving benefits outside Canada, such as U.S. retirees living abroad.
- Cross-border seniors who still rely on paper checks mailed internationally.
If you still receive mailed checks: you must switch by September to avoid missed payments.
✅ How to Make the Switch
1. Set Up Direct Deposit
- Log into your SSA.gov account or contact SSA by phone.
- Provide your bank routing and account number.
- Confirm the deposit timing and setup.
2. Request a Direct Express® Card
- If you don’t have a U.S. bank account, you can apply directly through the SSA website.
- The card works like a prepaid debit card—funds are deposited monthly.
3. Confirm by July–August 2025
- We recommend making the switch by August 2025 to allow for processing time.
- SSA advises a minimum of 4–6 weeks lead time to prevent disruption.
📅 Timeline at a Glance
| Deadline | Action Required |
|---|---|
| July 2025 | Check how you currently receive benefits |
| By August | Submit switch to direct deposit or card |
| September | Paper checks officially discontinued |
Q: Why is SSA ending paper checks?
A: Electronic payments are faster, more secure, and eliminate mail delays or theft—especially for beneficiaries living abroad.
Q: I live in Canada—will this affect me?
A: Yes. Even if you reside in Canada, paper checks will cease. Direct deposit or Direct Express® is required to continue receiving benefits.
Q: What if I miss the deadline?
A: If you haven’t switched by September, your payment could be delayed or stopped until enrollment is completed.
Q: Can I still receive my balance in cash?
A: With Direct Express®, you can withdraw cash at ATMs or enroll in mobile wallet cash-out services in many countries.
Q: Do I need to reapply for Social Security?
A: No. Your benefits remain intact—you’re only changing the method of receipt.
🧠 Why This Matters
With Social Security being a major income source for many retirees, ensuring uninterrupted benefits is critical. Missed deadlines may result in significant delays or financial hardship—especially for international beneficiaries.
✅ Final Thoughts
If you currently receive Social Security, SSDI, or SSI by paper check, now’s the time to act. Switch to direct deposit or a Direct Express® card before September 2025 to avoid any payment disruption. Take action today to ensure your retirement income continues without interruption.
