Retirees Could Get Their Monthly Social Security Checks Faster, but There's a Catch

You'll want to prepare now.

By Cassandra Yorgey

Edited by Laura Ratliff

Updated Jan. 22, 2025

Processing and turnaround times are a major complaint among retirees receiving Social Security, however, a new move to digital could change that and let folks ready for retirement receive their checks faster.

The Social Security Administration recently announced physical signatures will no longer be required on more than 30 of the forms beneficiaries must fill out before receiving their retirement funds.

These signatures will now be accepted electronically to streamline and expedite the process of receiving Social Security. Learn how to navigate these new digital changes.

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Digital signatures

Over 30 forms now allow electronic signatures, and 13 will no longer require signatures. The goal is to eliminate as many difficulties as possible and automate processes to make them move swiftly. The changes will impact 90% of the most common forms and remove a common reason claims are returned or denied.

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Sign up for a "my Social Security" online

The new changes can be accessed digitally by visiting www.ssa.gov, the official website of the SSA. You'll want to create a "my Social Security" account, which is completely free and allows access to many different online services. Forms that require signatures will be available for electronic signing.

Technology as a barrier

Many people find digital forms to be easier and more convenient. However, those who did not grow up with computers or internet access can find the process confusing. This can be further compounded for seniors who do not have a home computer or smartphone to access the internet. They must either purchase an expensive electronic device or routinely visit the library to access a public computer.

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Bottom line

Moving more Social Security forms and processes to online access will result in most retirees receiving their benefits faster and with fewer setbacks. However, you will want to ensure you're prepared for the electronic switch-over because digital services will likely continue to increase.

These aren't the only changes coming, and many retirees are eagerly eyeing Oct. 10, when the next Social Security cost of living adjustments (COLA) will be announced. If you're worried about the cost of expensive electronics or feel confused about the online forms, be sure to ask family and friends for help learning how to navigate the digital landscape. Your loved ones want you to have a stress-free retirement!

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