Social Security Modernization: Practical Implications for APS Programs and Practice

By Kendra Kuehn, NAPSA

July 2026

In the 90 years since the first Social Security numbers were issued, Social Security has expanded and matured into a critical source of support for over 75 million older adults, people with disabilities, and their dependents and survivors. Administration of the program has come a long way since the initial partnership with the Post Office Department (predecessor to the U.S. Postal Service) and the Treasury Department to complete applications and set up the system. The first online, personal Social Security accounts were launched in 2012, and as of 2025 benefits have fully transitioned to electronic payments. 

The shift to a digital world is bringing further changes, impacting beneficiaries involved in the adult protective services (APS) system. Several updates over the past year, which have important implications for APS professionals, affect benefit amounts and beneficiary interactions with the Social Security Administration (SSA).

Benefits Increases 

In 2025, Social Security beneficiaries saw an increase in their payments due to a cost-of-living adjustment (COLA) and passage of the Social Security Fairness Act. The COLA, a 2.8% increase for 2026, allows Social Security benefit levels to continue to meet recipients’ needs as overall costs rise. Starting in 2025, a smaller percentage of beneficiaries may have seen a change due to the removal of the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) as part of the enactment of the Social Security Fairness Act. Many retired public employees, such as teachers, firefighters, police officers, and other government workers, are now eligible for increased benefits, including retroactive benefits. In 2025, current beneficiaries impacted received increased benefits and retroactive payments if appropriate. APS programs should be aware of the potential targeting of beneficiaries, particularly for beneficiaries who may have received a large retroactive payment. The SSA has also noted the potential for related scams purporting to facilitate applications for retroactive payments for a fee.

Eliminating Paper Checks 

In the fall of 2025, federal agencies were required to move fully to electronic payments, with limited allowances for waivers. As of July 2026, almost all beneficiaries receive payments via direct deposit or to a Direct Express prepaid debit card. SSA reports that less than 1% of recipients receive paper benefits checks. For beneficiaries using the Direct Express program, through the end of 2026 and into 2027 the program will be transitioned to a new financial agent. While advance notice and information will be sent to beneficiaries, APS should be aware of the potential impact on clients and payment for basic needs if there are any delays or challenges in transitioning financial agents. The Direct Express program website includes resources focused on the transition as well as contact points for support. 

Modernization and the Shift to Digital 

In alignment with the move away from paper checks, SSA continues to expand digital services and accounts. Setting up a my Social Security account allows beneficiaries and representative payees to apply for benefits, receive online statements and documents, request a replacement card, and other services. The account provides an easy way for beneficiaries and representative payees to request a benefit verification letter, digitally or by mail, which can be used as proof of income or disability. SSA is also moving toward a “digital first” customer service approach by deploying automated tools on Social Security’s national 800 number helpline (1-800-772-1213) and exploring how AI could assist with processing disability claims. SSA reports that initial metrics on the automated phone bot have improved performance and efficiency by answering basic questions and completing simple transactions, freeing staff for more complex calls. 

While the shift to a digitally enhanced customer service effort can bring benefits and efficiencies, it has the potential to create barriers due to lack of internet access, limited digital skills or understanding, and challenging circumstances. SSA has also noted potential scams associated with the new digital world including phishing emails and false websites. The SSA Office of the Inspector General (OIG) most recently reported a significant increase in government imposter scams, particularly emails claiming to be from Social Security with links to download statements or urgent requests for action. APS programs and partners can track the SSA OIG’s scam alerts online.

Partnering for the Future 

Although much has changed from the first printed Social Security cards to the digital resources part of the my Social Security accounts, the importance of partnerships and building connections remains. State and local APS programs and Social Security field offices should build mutually beneficial connections including addressing challenges, sharing program updates and changes, cross-training, and building processes to best support beneficiaries. Make a plan to connect with your local SSA field office today. 
 

Resources:

• Social Security Office of the Inspector General
• Find newsletter articles and updates in the SSA monthly information update. 
  
  
   

The APS Blog is updated regularly with posts from contributing authors and new publications from the APS TARC.

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This publication was created by the Adult Protective Services Technical Assistance Resource Center (APS TARC) administered by the WRMA, Inc. under Contract No. 140D0424F1178 from the U.S. Department of Health and Human Services, Administration for Community Living, Administration on Aging. The views expressed in this publication do not necessarily reflect the views or policies of the Administration for Community Living or the U.S. Department of Health and Human Services.