Disability Benefits Debit Card Will Soon Be The Norm

This week’s posts have discussed Social Security’s transition to a system of entirely electronic benefits. If you apply for retirement or disability benefits today, you have no choice but to receive your benefits electronically. Everyone will have to receive them electronically by March 1 of next year.

Some beneficiaries have expressed concerns with the change. They may not have access to bank accounts to receive the benefits, or they may not be physically able to travel to ATMs on a regular basis to withdraw their money. And then there are the fees beneficiaries have to worry about. In Wednesday’s post, we discussed what beneficiaries can do to avoid fees that eat away at your benefits.

Today we will provide a few of the benefits of the electronic transition to direct deposit or the Direct Express debit card. These benefits will hopefully allay many of the concerns that beneficiaries have:

  • As with regular banks, the FDIC insures your electronic benefits up to $250,000, so you can be sure that your benefits are safe
  • If you promptly report unauthorized use of your card, you will have no liability for the unlawful use
  • Electronic benefits are more convenient – you no longer have to have paper checks or cash, and you can access your benefits at ATMs worldwide (although, be mindful of the fees we discussed on Wednesday for non-network ATMs or for ATMs overseas)
  • Though there are fees associated with the Direct Express card, many services are free, including purchases at retail stores, cash back with purchases, online access to your benefits account, notifications when deposits post to your account or when you reach a certain balance, and one free replacement card per year
  • You can use the Direct Express card to purchase money orders (fees will apply) at Post Office branches
  • The fees are generally cheaper than those that check cashing businesses charge for cashing paper benefits checks

The transition to electronic benefits should also save money for the Social Security Administration, helping it devote more resources to processing applications and eliminating fraud and waste. If you are considering filing for disability benefits, fill out a contact form on our website to speak with one of our Tulsa OK Social Security disability lawyers.

Troutman & Troutman, P.C. – Tulsa Social Security disability attorneys


    I didn't think there was a caring professional considerate attorney firm on the planet, but Troutman & Troutman proved me wrong. From the receptionist to the legal assistance to the attorney and more they were exceptional people.

    - Robert S.

    They did a fantastic job getting everything gathered up and getting the trial done as quickly as possible. Anytime I had a question they were patient and help me understand what was going on. Especially Christy and Charlie were great.

    - Michael M.

    Steve Troutman was able to get my short-term and long-term disability for me. Then Erin another lawyer for their firm got my Social security disability for me. Great people.

    - Billy S.

    Mr. Troutman walked me through the entire process. Heather was available each time I called, answered all my crazy questions, and helped me fill out forms along the way. I was never treated like I was wasting time.

    - Julia C.

    Erin and Keith were fabulous! They were compassionate, helpful, and very responsive! They made the process very smooth and painless every step of the way.

    - Valerie W.

We Are Here to Help 

Free & Confidential Consultations
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.