A major change is coming for Social Security recipients. Starting September 30, 2025, the U.S. government will stop sending paper checks for Social Security and other federal benefits to most recipients.

Instead, the government will deliver payments through electronic methods such as direct deposit or prepaid debit cards.

This move is part of a broader effort to modernize federal payment systems and reduce reliance on outdated methods. Electronic payments offer faster, safer, and more cost-effective options than traditional paper checks. Today, less than 1% of beneficiaries still receive their payments by mail.

However, this change doesn’t mean paper checks will disappear completely.

Who Can Still Receive Paper Checks?

While most recipients must switch to digital payments, some individuals may still qualify for exceptions. These include those who:

Live in areas without reliable banking services
Are 90 or older
Have physical, mental, or cognitive limitations that make electronic payments difficult
Face unique hardships or circumstances that prevent access to electronic options

These exemptions won’t happen automatically. Individuals must apply and receive approval from the U.S. Treasury Department to keep getting paper checks.

Government officials stress that the goal isn’t to exclude vulnerable populations. Instead, they aim to streamline the payment process and reduce problems like mail theft and check fraud, which have been ongoing issues for years.

If you currently receive paper checks and believe you qualify for an exception, start preparing before the September 2025 deadline. Otherwise, you’ll need to set up an electronic payment option to keep receiving your benefits.

Although this transition brings a major change, it won’t impact everyone the same way. Support will be available for those who need extra help.