Social Security backs down on controversial policy critics say would have made it harder to access benefits — how Americans can dodge obstacles in the future

Long waits and accessibility gaps

More than 4-in-10 retirees apply for benefits by phone, along with most spouses and bereaved family members seeking survivor benefits, according to the Center on Budget and Policy Priorities (CBPP), a policy think tank. The proposed rule would have wiped out that option for many of those people.

“There’s no way to schedule an appointment online,” Kathleen Romig, the CBPP’s director of Social Security and disability policy, told NPR. "So you have to call the agency’s 800 number. Right now, the wait for a call back from Social Security is two-and-a-half hours. And that’s if you get through to an agent at all.”

Even if you try to go the in-person route, getting help from Social Security is no walk in the park. Most people wait at least 28 days for a scheduled appointment.

An analysis by the CPBB shows visiting an SSA field office amounts to a “45-mile trip for some 6 million seniors” — a trip that becomes incredibly more difficult for those living in remote areas.

Millions of older and disabled Americans also lack reliable internet, smartphones or the tech skills to navigate multi-step online ID checks, the CBPP says, which makes learning to use the online portal a challenge.

Romig emphasizes the real-world impact: "Not everyone drives, particularly seniors or people with disabilities," she said. "And not everyone is able to leave the house. Think about people who are homebound or hospitalized. So, this is incredibly burdensome for the older and disabled people that the SSA serves."

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How to prepare for changes, just in case

If you or someone you know is planning to file for Social Security benefits, don’t wait. Start prepping now — whether that means figuring out your nearest field office, checking your online account access or calling SSA (early in the day) to get a jump on the queue.

Those who think they’re up for it should try learning how to use the free “my Social Security” online portal. This online tool will help you monitor your benefits, earnings and communication with the SSA, all in one place.

Staying organized is another key tool. That means keeping detailed records of your earnings history, any correspondence with the SSA and copies of important documents like proof of identity or direct deposit info. With new fraud detection rules in play, having paperwork ready can help clear up any flagged claims or delays.

And as always, seniors need to watch out for scams. The SSA will never demand immediate payment or threaten arrest, and anyone who does may be a fraudster. Be careful with unsolicited phone calls, emails or texts claiming to be from Social Security. If anything feels off, report it directly to the SSA or the Federal Trade Commission.

With some prep work and ongoing vigilance, you can navigate these changes smoothly and protect the benefits you’ve earned.