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Monthly benefits will continue, but certain functions—appeals, evidence review, and in-person assistance—are already slowing under the shutdown.

Warning on Social Security Amid ShutdownWith the government shutdown now into its third week, Social Security beneficiaries have been assured that their monthly checks will continue to arrive. But if the budget stalemate stretches into late October or November, deeper strains on the Social Security Administration (SSA) could begin to affect millions of people who depend on in-person services, claims processing, and appeals rather than on the payments themselves.

Social Security and Supplemental Security Income (SSI) benefits are insulated from shutdowns because they are funded through permanent trust funds, not annual appropriations. Nearly 70 million retirees, disabled adults, and low-income beneficiaries will keep receiving payments on schedule, no matter how long the shutdown lasts.
“We will continue activities critical to our direct-service operations and those needed to ensure accurate and timely payment of benefits,” the agency said in its government shutdown contingency plan.
However, maintaining payments does not mean business as usual. Roughly 6,200 SSA workers—primarily in administrative and program-support roles—have been furloughed, leaving field offices and processing centers short-staffed. Fewer hands on deck mean a growing risk of backlogs, service bottlenecks, and prolonged uncertainty for individuals navigating the system.

Growing Backlogs and Slower Decisions

Retirement and disability claims are still being processed by “excepted” personnel, but a prolonged shutdown threatens to slow determinations, reconsiderations, and hearings before administrative law judges (ALJs). Disability attorneys report early signs of strain.

“Disability attorneys across the country report hearing delays, fewer returned calls from adjudicators, and slower medical evidence requests,” the Disparti Law Group noted. Several states have alerted advocates to expect pauses in file transfers and updates from Disability Determination Services (DDS), the state-run agencies that adjudicate initial disability claims using federal funds.

Routine tasks such as correcting overpayments, updating earnings records, and investigating fraud are suspended during the shutdown. While these functions do not immediately affect benefit checks, they are vital to ensuring accuracy and preventing long-term errors. Prolonged interruptions could produce cascading delays and undermine confidence in the system’s reliability.

“The biggest impact falls on people who are in the middle of applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI),” Disparti Law added.

Without adequate staffing and funding, DDS offices cannot collect medical records, schedule consultative exams, or advance cases.

Attorney Tereasa Rerko of the Quatrini Law Group warned that the effects are already being felt in legal proceedings.

“Currently the local offices are still functioning but with limited requirements in terms of what they are allowed to do and not allowed to do. They have a very specific list that they are following,” she said in an Oct. 14 update.

She said that federal courts—including those handling Social Security appeals—have paused nearly all cases.

“If your case is at that level in a disability claim, it’s on hold,“ she said. ”And we have no idea where that will lead, how much time will be involved until it starts up.”

Field Offices Open—But With Limits

Social Security field offices remain open but are operating under strict limitations, according to a shutdown update from SSA. Staff are still able to assist with essential functions such as helping the public apply for benefits, processing appeals, changing direct deposit information, reporting deaths, replacing missing payments, and issuing new or replacement Social Security cards.

However, several services that beneficiaries frequently rely on have been suspended during the shutdown. Field offices are not processing in-person requests for replacement Medicare cards, issuing proof-of-income or benefit verification letters, correcting earnings records, or conducting public outreach or routine administrative updates.

Although some of these functions can be accessed through online mySSA accounts, many seniors and low-income individuals depend on face-to-face assistance to navigate these processes. Without staff available to issue printed documents or correct errors, beneficiaries seeking housing, loans, immigration paperwork, or debt resolution may find themselves stuck.

Hearings Continue—But Support Staff Do Not

Hearings before administrative law judges are considered essential and remain scheduled. But hearings rely on a network of clerks, writers, and staff who prepare case files and write decisions. When these employees are furloughed, hearings may proceed on paper, but decisions are delayed in reality.

“In past shutdowns, the SSA prioritized keeping hearing offices open, but even then, cases moved slower,” Disparti Law Group noted.

“Administrative Law Judges (ALJs) continued hearings already on the calendar, yet new hearings and decisions were often delayed because supporting staff—clerks, writers, and record reviewers—were on furlough.

“That same bottleneck is expected again if the shutdown continues.”

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