Noteboom The Law Firm

SSI Direct Deposit Offers Convenience and Security

You have probably heard about the prepaid debit cards that are now available for those receiving Social Security and Supplemental Security Income payments. Perhaps you are still hesitant to make the transition from paper checks because you could still lose a debit card. Now there is a solution for those prone to misplacing objects, as well as for those who just don't get to the bank to deposit money often.

Direct deposit has been available to most workers for years, but now Social Security payment recipients can take advantage of this convenience, as well. Consider the current alarming facts on Social Security payments in the form of paper checks from the Lexington-Clipper Herald:

• There are about 1.4 million reported issues with Social Security checks per year
• 10.5 million Social Security and SSI recipients still receive a paper check in the mail
• 2008 saw over 450,000 SSI and Social Security checks either lost in the mail or stolen

Not only can checks get taken intentionally while in-transit, but their delivery can be delayed due to inclement weather. Clearly, this would not be an issue with direct deposit. Proponents of this service cite immediate access to funds, lack of delays, and increased security as advantages of direct deposit.

Additionally, those concerned for the environment have a chance to reduce paper usage by opting to use this service. Not only would you no longer receive paper checks, but you also would not have to experience the inconvenience and waste of paper caused by being reissued another check should yours get lost.

If you want to sign up for direct deposit, you can check out the U.S. Department of the Treasury's website. If you are interested in finding out more about this service before signing up, you can ask a lawyer who is knowledgeable about Social Security regulations.

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