If you’ve seen the headlines about a government shutdown and felt concerned about your Social Security benefits, you’re not alone.

Many Americans rely on those monthly payments for peace of mind and daily essentials, so it’s understandable to feel uneasy.

While the political discussions in Washington continue, everyday citizens are left wondering whether their payments or services could be disrupted.

Here’s what’s really happening and what you can do to stay on top of any changes.

What’s Going On With Social Security Offices?​

As of today, Social Security offices across the country—from California to Texas and New York to Wyoming—are adjusting their hours and services due to the ongoing government shutdown.

While the political wrangling continues in Washington, DC, the real impact is being felt in local communities, especially by those who rely on in-person assistance for everything from new Social Security cards to benefit questions.

Here’s a quick snapshot of what’s happening in some states:

1. California: The Madera office won’t offer in-person service until after 1 p.m.
2. Montana: The Havre office is phone-only for now.
3. New York: East Bronx opens late for in-person help; Canarsie and Corning are phone-only.
4. Pennsylvania: Wilkes-Barre is phone-only today; Bloomsburg and Reading have shifted to phone service indefinitely.
5. South Carolina: Spartanburg is phone-only.
6. Texas: Dallas Fair Park is phone-only.
7. West Virginia: Logan office is phone-only.
8. Wyoming: Cody office is phone-only.

And this list is just a sample—other offices may be affected as the shutdown continues.

The Good News: Your Payments Are Safe​

Let’s get this out of the way: Your Social Security, Social Security Disability Insurance (SSDI), and Supplemental Security Income (SSI) payments will continue as usual. The Social Security Administration (SSA) has contingency plans in place to ensure that benefits keep flowing, even if some employees are furloughed and offices are short-staffed.

An SSA spokesperson reassured the public: “Social Security beneficiaries will continue receiving their Social Security, Social Security Disability Insurance, and SSI payments.” So, you can breathe a little easier on that front.

Why Is This Happening?​

The government shutdown is the result of a standoff in Congress over the next funding bill. With both parties at odds—Democrats pushing for expanded health insurance coverage, Republicans holding out for other priorities—no agreement has been reached.

The Congressional Budget Office estimates that about 750,000 federal employees are being furloughed each day, which means fewer hands on deck at agencies like the SSA.

If the shutdown drags on, it could become the second largest in US history. And while the politicians debate, everyday Americans are left to deal with the fallout.


Also read: Could your retirement plans handle a 24% Social Security cut in 2032?

How Does This Affect You?​

If you need to visit a Social Security office in person, you may face:

• Reduced hours or delayed openings
• Phone-only service at some locations
• Longer wait times—both on the phone and in person
• Potential for further disruptions if the shutdown continues

Kevin Thompson, CEO of 9i Capital Group, shared a real-world example: “A close friend of mine recently married an immigrant who needed to get a Social Security card in person, and he said the office was packed even before the shutdown. Now, with the Social Security Administration pushing retirees to use the website, we’re seeing the opposite effect—more people craving that personal touch.”

Alex Beene, a financial literacy instructor, added, “The good news for Social Security recipients is all online services are still active, and the vast majority of offices across the country are still open at this time. However, as the government shutdown continues, some locations could see closures and/or reduced hours due to furloughed staff.”


Also read: 11 government jobs that offer older Americans stable income, great benefits—and no age limits

What Can You Do Right Now?​

1. Use Online Services​

The SSA’s website (www.socialsecurity.gov) and your personal “my Social Security” account (www.ssa.gov/myaccount) are still up and running. You can check your benefits, update information, and access many services without leaving home.

2. Call Ahead​

If you must visit an office, check the SSA’s website or call ahead to confirm hours and available services. Be prepared for longer hold times—some callers report not being able to get through at all.

3. Be Patient​

With fewer staff and more people needing help, expect delays. If your issue isn’t urgent, consider waiting until the shutdown is resolved.

4. Stay Informed​

The SSA is posting updates on its blog and website. Bookmark these pages and check back regularly for the latest information.

What If You Need In-Person Help?​

We know that not everything can be handled online—especially if you’re applying for a new Social Security card, dealing with complex benefit questions, or helping a loved one navigate the system. If you’re in this boat, here are a few tips:

1. Gather All Your Documents: Make sure you have everything you need before you go. This can help speed up your visit if you do get in.
2. Try Off-Peak Hours: If your local office is open, try to visit early in the morning or late in the afternoon to avoid the biggest crowds.
3. Ask for Help: If you have a trusted family member or friend who’s comfortable with technology, ask them to help you navigate the SSA’s online services.

Also read: New lawsuit demands answers on Social Security changes and transparency

Looking Ahead: What Happens If the Shutdown Continues?​

If Congress doesn’t reach a deal soon, we could see more offices reducing hours, shifting to phone-only service, or even closing temporarily.

Hold times will likely get longer, and the backlog of requests could grow.

But remember: Your benefits are protected. The SSA’s top priority is making sure payments go out on time, no matter what’s happening in Washington.

Read next:

• Don't lose your benefits! Discover which Social Security services you can still access during a government shutdown
• Don't let the government shutdown cost you: What you need to know about tax extension deadlines this October
• Get ready for a Social Security update: When the 2026 COLA will be announced

Have you tried to contact Social Security during the shutdown? Did you run into long wait times or office closures? Do you have tips for navigating the system online?