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Social Security is making it harder for seniors to do routine tasks by phone in latest anti-fraud effort

Social Security is making it harder for seniors to do routine tasks by phone in latest anti-fraud effort

CNN3 days ago
FacebookTweetLink Senior citizens soon won't be able to simply call the Social Security Administration to change their address or check the status of their benefit claim. Instead, they will have to first verify their identity online or go to a field office if they are unable to do so.
In its latest effort to thwart fraud, the agency is expanding its online authentication requirement for address changes, claim status requests, benefit verification letters and tax statements, according to a regulatory filing Social Security recently submitted to the Office of Management and Budget. The agency intends to implement the change by August 18.
Advocacy groups, however, are raising concerns that many senior citizens and people with disabilities will not be able to complete the verification process through their mySocialSecurity accounts. The agency said in the filing that it expects 3.4 million people will need to go to field offices annually to complete the tasks.
'For many older Americans, the phone is how they access Social Security services without having to rely on complicated technology or long, difficult, or costly trips to field offices,' Nancy LeaMond, AARP's chief advocacy and engagement officer, wrote in a letter Tuesday to Social Security Commissioner Frank Bisignano.
'We are concerned that under this new policy, older Americans, especially those in rural areas, will have to call, wait on hold for possibly hours, and then wait weeks for an appointment — and in some cases even take time off work — to complete simple transactions they have long been able to do over the phone,' she wrote, urging the commissioner to reconsider the measure.
It currently takes 35 days to get an appointment at a Social Security field office, according to the agency, which has been reducing staff amid a major reorganization.
The new policy is the agency's latest controversial attempt to combat fraud, spurred by the Trump administration. Prior efforts sparked widespread confusion among beneficiaries, who flocked to Social Security's 800 number or field offices, fearing they had to prove their identities in order to continue receiving their monthly payments.
Social Security had to walk back a measure instituted this spring to review retirement benefit applications for fraud after the process created a backlog and flagged only a tiny number of claims for additional verification.
But the agency retained an initiative that bars beneficiaries from changing their direct deposit information by telephone, requiring that they do so through their online accounts or at field offices. That policy is expected to send an additional 1.9 million people to field offices annually.
There is no documentation that requesting address changes and other routine tasks over the phone leads to fraud, said Kathleen Romig, director of Social Security and disability policy at the left-leaning Center on Budget and Policy Priorities.
'There's just no evidence that this is a problem,' said Romig, who worked for the agency during the Biden administration.
The new anti-fraud policies will increase field visits by 17%, requiring beneficiaries to spend 3 million hours driving to offices to complete their transactions, she estimated.
The latest effort also aligns with Bisignano's push to have more beneficiaries use the agency's online services to handle their requests. All the tasks that require added verification can be done through mySocialSecurity.
Social Security did not return a request for comment on the regulatory filing.
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I'm 81 and work at Trader Joe's to help pay off $70,000 in debt and launch a business. I don't want to be treated like I'm an old person.
I'm 81 and work at Trader Joe's to help pay off $70,000 in debt and launch a business. I don't want to be treated like I'm an old person.

Business Insider

time30 minutes ago

  • Business Insider

I'm 81 and work at Trader Joe's to help pay off $70,000 in debt and launch a business. I don't want to be treated like I'm an old person.

This as-told-to essay is based on a conversation with Dianne Michels, 81, who works at Trader Joe's in the Chicago area while developing a consulting and coaching business. She works to pay down her $70,000 in debt and fund the business, which she hopes will live on beyond her. This interview has been edited for length and clarity. Part of me never wants anybody to know how old I am because I don't want them to treat me like I'm an old person. The way people in retirement are treated is like they're no longer relevant. I started my career at a telephone company in Fargo when I was 19. I went to college but dropped out because I didn't want to be a nurse or a teacher, and it seemed like those were the only options for women back then. They trained us for six weeks as service representatives. I got married at 20, and we had two children. I supported my husband financially through his last two years of college, which was a common thing in those days. 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The campaign manager asked me to work for her at a company that sold office products to physicians and dentists. I became their first female vice president. I worked there from 1973 until 1990, during which the company was acquired. In 1989, we relocated the marketing function to corporate in Minnesota, and I felt the real impact of working in a corporate setting. I left because I was not cut out to be a corporate female in a male-dominated organization. I internalized that people embrace responsibility at work as a gift rather than a burden to survive. If I see one more ad on TV showing elderly people saying, "I just wanted money so I can go out to dinner and see my grandchildren." There's so much more that is possible for us in terms of making a difference in the world. In 1990, I opened a career consulting business I did career consulting, but it didn't generate the income that it needed, so I closed it after two years. I relocated to Chicago in 1993 and went to college in the evenings and weekends while working in public relations. I fell into human resources, working as a consultant and then for a few HR organizations. I launched Serendipity HR, my human resources booking business, in 1998 and kept it until 2014. After that, I became the chief possibility officer at the YWCA Metropolitan Chicago. I left in 2018 to write a book. I have about $70,000 in debt I'm in debt in part because of my own lack of awareness about money. I have some personal debt of about $7,000, and the rest is credit card debt. Much of this was investing in my website, getting my book published, and supporting the startup costs of a business. I have arrangements with three of the four credit card companies, where I pay off the debt every month. I'm committed to being debt-free within 18 months. My Social Security allotment is around $2,500 monthly I took my Social Security early at 62 because I needed the money. I don't live in regret, but if I had to do it over, I'd certainly wait to take it, which would've given me about a third more. I was very short-term-financially oriented, instead of thinking beyond cash flow. I didn't know anything about financial security. I grew up in a family that was not focused on investing or financial literacy. We were more focused on getting a good job and keeping that job until retirement. I've been very irresponsible and reckless. I've always refused to be limited by financial circumstances I'm building a consulting and coaching business called Possibility Partners. The people who are going to pay me don't necessarily care whether their employees are making a difference — they care about the bottom line, growth, revenues, and productivity. I need to address their concerns, so I've shifted my business to focus more on creating standard operating practices and relationships, which will save money and increase productivity and retention. I just started a very aggressive sales program. I'm reaching out to people via email or text to ask for their help. While building my business, I'm working at Trader Joe's I needed cash flow to get out of debt and promote my business. In November, I dropped off my résumé at six Trader Joe's locations, went in for an interview at one of them, and two days later, I was working. The speed from résumé submission to hire was incredibly respectful. Working at Trader Joe's allows me to do the work and come home to focus on building my business. I do have a little snob in me — I wouldn't work for some other grocery stores. I briefly worked at Trader Joe's in 2013, so I knew it was a good fit for me. I work Friday, Saturday, Sunday, and Monday, so I have Tuesday, Wednesday, and Thursday to devote to my business. I work the cash register, stock shelves, and do food demos. There isn't much of a hierarchy that can create discrepancies in relationships or competition. The management team has been very accommodating, especially of my schedule. Family is at the top of my list Part of working on my own business is having the flexibility to babysit if my daughter wants to go on vacation. I'm planning to move closer to my daughter in Michigan next year. Trader Joe's is temporary work, and as soon as Possibility Partners is firmly established with robust client engagement and partners, I will give up my job to devote all my time to the business.

What work looks like in your 80s for half a million Americans
What work looks like in your 80s for half a million Americans

Business Insider

time32 minutes ago

  • Business Insider

What work looks like in your 80s for half a million Americans

Harvey Mendelson is no stranger to reinvention. His career over the last six decades has pivoted from stockbrokering to real estate to car sales, with a few business launches along the way. Now, at 88, he's discovered a new passion: photography. Mendelson, who lives in California, owns and runs a photo gallery and digital printing business at a local live theater. He displays his work and makes fliers for the theater. It doesn't pay much, but he doesn't need much, he said. He has no debt, and he said that while he's not rich, the key to staying financially comfortable has been avoiding upscaling his lifestyle in retirement. "You retire at 65, and in three days, you're 80," Mendelson said. "You need to try to do things you're happy with, and for me, it's always been being independent." Mendelson is one of nearly 550,000 Americans 80 and older who continue to work in some capacity. In a few years, he'll join the 36,000 workers who are 90 or older. 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This included a review of individual-level survey responses from Americans ages 80 and older assembled by the Minnesota Population Center's Integrated Public Use Microdata Series (IPUMS) program to determine how many worked, what jobs they held, and how their demographics and income compared to the broader population. Where the oldest generation of workers is employed The top jobs for workers 80 and older included managers, retail salespeople, lawyers, drivers, and real estate brokers, Business Insider's analysis found. The most popular industries included elementary and secondary schools, construction, and religious organizations. The median worker 80 and older earned $57,100 in 2023. About a third earned under $40,000, suggesting this subset works part-time or in lower-wage roles, perhaps to supplement Social Security. Meanwhile, about 26% earn over $100,000 yearly, while over 10% earn at least $200,000. 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Nearly a dozen retail workers told BI they were paid slightly above minimum wage in these roles and took the jobs because they couldn't find anything in their fields. Richard Jackson, an 81-year-old Marine veteran, started a construction company five decades ago that's still in operation. After some acquisitions, Jackson now oversees three companies with his children: CR Jackson, a grading and paving company; Satterfield Construction, which specializes in asphalt services; and N. W. White & Company, which operates about 400 dump trucks throughout South Carolina. With his son, Steven, and daughter, Elizabeth, Jackson's companies have over 1,000 employees, operate 11 asphalt plants, and pave in 36 of the state's 46 counties. Jackson works when he wants to, sometimes coming in later in the day for meetings and letting his children handle more of the logistical tasks. He maintains his commercial driver's license and has occasionally driven a dump truck. His son said he and Elizabeth don't consider themselves owners but rather "stewards" of what Jackson built. "We don't make strategic acquisitions or market moves without consulting with him and making sure that he sees what we see, and that he agrees with what we're agreeing with," Steven Jackson said. The typical 80-year-old worker Over 10% of all workers 80 and older live in California, followed by Florida and New York. Workers were slightly more likely to be born in the US than the general population. Working Americans 80 and older were more educated than the general population in that age group. Nearly 42% of the working cohort had a bachelor's degree or higher, compared to just under 27% of the whole population. People working late into their careers tended to be white and male. Nearly 60% were men, though men represent 40% of the total 80+ population. The percentage of workers 80 and older, compared to all Americans 80 and older, has ticked up over the last four decades. 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He goes on work trips to the Midwest, and he stays active in his community, attending Rotary Club meetings and volunteering at historic sites nearby. Please help BI improve our Business, Tech, and Innovation coverage by sharing a bit about your role — it will help us tailor content that matters most to people like you. What is your job title? (1 of 2) Entry level position Project manager Management Senior management Executive management Student Self-employed Retired Other By providing this information, you agree that Business Insider may use this data to improve your site experience and for targeted advertising. By continuing you agree that you accept the Terms of Service and Privacy Policy . "I tell people I'm coming out of this office feet first," Carter said. "It's a sense of purpose, and it's also a sense of knowing I'm doing something good, which is recycling stuff that would go to landfills." Working odd jobs for the fun of it A data analysis of people 80 and older by United For ALICE, part of United Way of Northern New Jersey, calculated that of the nearly 550,000 workers 80 and older, about 73% are above the ALICE threshold, the minimum income needed to afford basic living expenses. This suggests that most workers in this demographic are not desperate for additional income, though thousands still work to supplement their Social Security. Stephanie Hoopes, national director of United For ALICE, said that many seniors may take on part-time work for a little extra boost of financial security. And employers may need them. "There are parts of the country where they're struggling to get workers, such as in the retail and service space, and they may be quite interested in hiring seniors because they're maybe more dependable," she said. John Kasun, 86, has had a long and winding career. While working in engineering, he started selling archery equipment out of his basement. 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"I'm a problem-solving guy, and anytime I see anything that I can get involved in or where I can be of help, I jump in," Kasun said. "I see opportunities all the time. It's almost like I wear special glasses.

Most Americans Were Never Interested in Meghan Markle Podcasting
Most Americans Were Never Interested in Meghan Markle Podcasting

Newsweek

time3 hours ago

  • Newsweek

Most Americans Were Never Interested in Meghan Markle Podcasting

Based on facts, either observed and verified firsthand by the reporter, or reported and verified from knowledgeable sources. Newsweek AI is in beta. Translations may contain inaccuracies—please refer to the original content. Meghan Markle's struggle to break through with her business podcast Confessions of a Female Founder may in part be explained by polling conducted at the time she first signed with Spotify. The Duchess of Sussex has now chalked up two podcasts: Archetypes, about sexist slurs, and Confessions of a Female Founder, which featured interviews about prominent women who run companies. The first made waves when she dished about the royal family in the early episodes but sunk in the charts in later shows when she steered clear of the palace soap opera. Meghan Markle listens to a broadcast through headphones during a visit to Reprezent 107.3FM community radio station in Brixton, south west London, on January 9, 2018. Meghan Markle listens to a broadcast through headphones during a visit to Reprezent 107.3FM community radio station in Brixton, south west London, on January 9, 2018. DOMINIC LIPINSKI/AFP via Getty Images The second had nothing do with the monarchy and struggled to make an impact beyond the first episode. That may in reality be no surprise as polling as far back as 2020 suggests Americans may simply never have been particularly interested in Prince Harry and Meghan podcasting. Why It Matters Meghan launched a flurry of new projects in 2025 but had a rough ride among critics for both her Netflix cooking show and Confessions, which were both tied to her own business As Ever, which launched in April. Now the first phase of those ventures is over, she will have a chance to take stock and consider what is working well and what could do with a revamp. What to Know Polling agency YouGov asked 5,400 U.S. adults in December 2020 how much interest they would have in listening to Harry and Meghan's podcasts. Just 8 percent said they were "very interested" while 53 percent said they were "not at all interested." And 16 percent were "not very interested" while 15 percent were "somewhat interested." This adds up to a total of 69 percent falling on the side of disinterest compared to 23 percent who expressed interest. At the time, they had just signed their Spotify deal but no specific shows had been publicly revealed and in the end it would be a year-and-a-half before Archetypes dropped. It was, though, also a time when they had not been giving interviews and therefore media appetite to hear what they had to say was far higher than now. The Oprah Winfrey interview, for example, was still months away and was not even known about in December 2020. In that respect, Harry and Meghan's reputations in America were still mostly uncontroversial bar a run-in with Donald Trump after they commented on the presidential election he lost to Joe Biden. Some might, therefore, by tempted to conclude that Meghan should not take the lukewarm response to her podcast to heart and simply focus on other more successful projects. What Happens Next Meghan's As Ever online shop has sold out all three of its product runs in mere minutes but more produce is expected to drop this summer, specifically a sparkling wine. Season 2 of her Netflix show With Love, Meghan is also due out in the fall, while the Netflix deal itself is due to run out in September. As yet, a new deal has not been signed and The Sun and People both reported Netflix does not intend to renew it. Time will tell whether some continuation of the partnership gets renegotiated or not. Jack Royston is chief royal correspondent for Newsweek, based in London. You can find him on X, formerly Twitter, at @jack_royston and read his stories on Newsweek's The Royals Facebook page. Do you have a question about King Charles III and Queen Camilla, Prince William and Princess Kate, Meghan and Prince Harry, or their family that you would like our experienced royal correspondents to answer? Email royals@ We'd love to hear from you.

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