Get ready for the new Social Security identity checks: Here’s how to set up a “my Social Security” account
The Social Security Administration, in an effort to prevent fraud, has announced that it is tightening protocol to secure identity checks.
Roughly 40 percent of Social Security direct deposit fraud, according to the Social Security Administration, is the result of someone calling the SSA to change direct deposit bank information. For that reason, the SSA is changing its protocol to tighten identity checks uin order to eliminate the risk of fraud.
No longer will it be sufficient to simply call the SSA to change bank account information by telephone. Beneficiaries will either have to visit a SSA office in person or use two-factor authentication with SSA’s “my Social Security” service. If you haven’t already created a “my Social Security” account, it’s easy to set up and can provide a secure way to protect your identity online.
How to set up a “my Social Security” account
In order to access the “my Social Security” service, you will need to have a LOGIN.GOV or ID.me account which you can create by visiting the SSA website.
The first step is to submit your email address. A link will be sent to you to proceed with creating your account. You will need to confirm your email within 24 hours receiving the link.
Next you will have to create a “strong password,” one that is at least 12 characters long, including numbers and symbols, and one that you don’t commonly use. Then you must choose an authentication method setup. You’ll be given the following choices:
- Security key: A physical device, often shaped like a USB drive, that you plug in to your device.
- Government employee ID: PIV/CAC cards for government and military employees. Desktop only.
- Authentication application: Download or use an authentication app of your choice to generate security codes.
- Text or voice message: Receive your secure code by (SMS) text or phone call.
- Backup codes: A list of 10 codes you can print or save to your device. When you use the last code [the SSA] will generate a new list. Keep in mind backup codes are easy to lose.
Next you will asked to submit your telephone number which will be sent a security code. When prompted, enter the security code. You will have 10 minutes to do so. Congratulations, you’ve created an account, but the process hasn’t finished yet.
You will be asked next if you asked if you received an activation code, this is different from the security code you previously received. Click ‘No’ and then next.
Then you will have to agree to the terms of service before you will be taken to a page to verify your identity. You will want to have your Social Security card on hand to enter the information as it appears on that important document.
You will then be asked if you want to add an extra level of security before you can get your one-time activation code via text message or phone call. Finally, enter the activation code you are sent in the box and submit, agree to the terms of service again and viola, you can now access the “my Social Security” service.
Only you can use your “my Social Security” account and no one else can, not even with written permission. If you need extra assistance creating your account, you can call the SSA at 1-800-772-1213.
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