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The Trump administration keeps making it harder to access earned benefits.
Reporting from Kaiser Health News out this week demonstrates that the Trump administration continues to make it more difficult for people to access the Social Security benefits they have earned.
This time, the villain is a phone chatbot, which is an artificial intelligence (AI) tool. Obviously, it only makes sense for the Social Security Administration (SSA) to use new tools to become more efficient and help beneficiaries access the system. The question is: Does this or any other technology work for beneficiaries? Last month, SSA reported that fully 41% of all calls had been handled by the AI chatbot. There was no data indicating whether beneficiaries were satisfied with the AI chatbot.
This push toward the increased use of AI at SSA should come as no surprise as the agency’s commissioner, Frank Bisignano, is a former Wall Street executive with a background in technology—in particular around payment processing. Bisignano fully admits that he has little background in Social Security. As ABC News reported in May:
Frank Bisignano, a former Wall Street executive, said during a town hall with Social Security managers from around the country on Wednesday that he wasn’t seeking a position in the Trump administration when he received a call about leading the SSA. “So, I get a phone call and it’s about Social Security. And I'm really, I’m really not, I swear I’m not looking for a job,” Bisignano said, according to an audio recording of the meeting obtained by ABC News. “And I’m like, ‘Well, what am I going to do?’ So, I’m Googling Social Security. You know, one of my great skills, I’m one of the great Googlers on the East Coast.”
In theory, the SSA AI chatbot should give beneficiaries prompt and efficient service. Instead, the reporting from Kaiser Health News shows that too many people are getting non-helpful and unrelated responses. The evidence here is certainly anecdotal, but it is nonetheless very significant. Interestingly, the Biden administration was trying to develop an AI chatbot but concluded it was not ready for public usage.
Bisignano’s previous work experience in the financial tech world of payments processing is in some ways like the SSA mission. Obviously, SSA processes millions of payments a month. However, there is a real fundamental difference that must be at the forefront of the discussion: Beneficiaries are far different from customers.
We got a real clear signal as to Bisignano’s state of mind in late June when during a congressional hearing he replied to a Democrat questioning him about staffing levels by saying: “You referred to SSA being on an all-time staffing low; it’s also at an all-time technological high...” Once again, I would argue that technology is a great tool, but it must be used to increase access and build confidence that people will receive the benefits they earned in a timely manner.
SSA has not released any clear statistics about how the AI chatbot is performing. It may not be the best information, but it is worth noting the SSA Facebook page paints a decidedly mixed picture of the AI chatbot.
Concern about SSA’s ability to provide efficient customer service is not limited to congressional Democrats. Back in May, a number of House Republicans sent Commissioner Bisignano a letter saying that:
We commend and support the continued efforts to make our bloated bureaucracy more efficient for the American people. However, we must use caution and consider the impact any changes would have so there are no disruptions in services for our seniors and disabled who depend on the Social Security Administration to receive retirement benefits and supplemental security income.
SSA’s use of an AI chatbot needs to be seen as part of a larger pattern of obfuscation. Consistently, the Trump administration has acted to make it harder for beneficiaries to access their own earned benefits, whether it is through cutting staff or using artificial intelligence. These intentional behaviours drive down satisfaction and confidence in the program.
None of this needs to be that complicated. SSA just needs to focus on meeting the needs of beneficiaries or, as Democratic Sen. Elizabeth Warren of Massachusetts put it, “We should be making it as easy as possible for people to get the Social Security they’ve earned.”
Nearly two-thirds of Americans said they disapprove of the Trump administration slashing the Social Security Administration workforce.
As the US marked the 90th anniversary of one of its most broadly popular public programs, Social Security, on Thursday, President Donald Trump marked the occasion by claiming at an Oval Office event that his administration has saved the retirees' safety net from "fraud" perpetrated by undocumented immigrants—but new polling showed that Trump's approach to the Social Security Administration is among his most unpopular agenda items.
The progressive think tank Data for Progress asked 1,176 likely voters about eight key Trump administration agenda items, including pushing for staffing cuts at the Social Security Administration; signing the so-called One Big Beautiful Bill Act, which is projected to raise the cost of living for millions as people will be shut out of food assistance and Medicaid; and firing tens of thousands of federal workers—and found that some of Americans' biggest concerns are about the fate of the agency that SSA chief Frank Bisignano has pledged to make "digital-first."
Sixty-three percent of respondents said they oppose the proposed layoffs of about 7,000 SSA staffers, or about 12% of its workforce—which, as progressives including Sens. Bernie Sanders (I-Vt.) and Elizabeth Warren (D-Mass.) have warned, have led to longer wait times for beneficiaries who rely on their monthly earned Social Security checks to pay for groceries, housing, medications, and other essentials.
Forty-five percent of people surveyed said they were "very concerned" about the cuts.
Only the Trump administration's decision not to release files related to the Jeffrey Epstein case was more opposed by respondents, with 65% saying they disapproved of the failure to disclose the documents, which involve the financier and convicted sex offender who was a known friend of the president. But fewer voters—about 39%—said they were "very concerned" about the files.
Among "persuadable voters"—those who said they were as likely to vote for candidates from either major political party in upcoming elections—70% said they opposed the cuts to Social Security.
The staffing cuts have forced Social Security field offices across the country to close, and as Sanders said Wednesday as he introduced the Keep Billionaires Out of Social Security Act, the 1-800 number beneficiaries have to call to receive their benefits "is a mess," with staffers overwhelmed due to the loss of more than 4,000 employees so far.
As Common Dreams reported in July, another policy change this month is expected to leave senior citizens and beneficiaries with disabilities unable to perform routine tasks related to their benefits over the phone, as they have for decades—forcing them to rely on a complicated online verification process.
Late last month, Treasury Secretary Scott Bessent admitted that despite repeated claims from Trump that he won't attempt to privatize Social Security, the One Big Beautiful Bill Act offers a "backdoor way" for Republicans to do just that.
The law's inclusion of tax-deferred investment accounts called "Trump accounts" that will be available to US citizen children starting next July could allow the GOP to privatize the program as it has hoped to for decades.
"Right now, the Trump administration and Republicans in Congress are quietly creating problems for Social Security so they can later hand it off to their private equity buddies," said Sen. Sheldon Whitehouse (D-R.I.) on Thursday.
Marking the program's 90th anniversary, Sanders touted his Keep Billionaires Out of Social Security Act.
"This legislation would reverse all of the cuts that the Trump administration has made to the Social Security Administration," said Sanders. "It would make it easier, not harder, for seniors and people with disabilities to receive the benefits they have earned over the phone."
"Each and every year, some 30,000 people die—they die while waiting for their Social Security benefits to be approved," said Sanders. "And Trump's cuts will make this terrible situation even worse. We cannot and must not allow that to happen."
Beginning in mid-August, Trump's Social Security Administration will no longer allow seniors to perform many routine tasks related to their benefits over the phone, as they have been able to do for decades.
U.S. President Donald Trump's Social Security Administration is rolling out a new policy next month that is expected to further increase wait times for basic services.
Beginning in mid-August, the SSA will no longer allow seniors to perform many routine tasks related to their benefits over the phone, as they have been able to do for decades.
In order to do things like change their addresses, check the status of claims, request benefit verification letters, or ask for tax forms, they will soon need to perform a complicated multifactor online verification process.
As a report published Tuesday by the Center on Budget and Policy Priorities (CBPP) points out:
The new PIN code process will be impossible for many beneficiaries to complete. And if they can't, they'll need to travel to a field office. That will require 3.4 million more people to travel to SSA offices annually, by the agency's own estimates. This will create a significant new burden, particularly for those who live in rural areas or have transportation or mobility difficulties.
CBPP estimated that the restrictions on phone service will result in seniors spending an additional 3 million combined hours traveling to Social Security offices each year.
A previous policy change rolled out in April has already forbidden recipients from using the phone to change their bank account information, which the SSA revealed would require 2 million more people to make in-person visits each year.
The new restrictions to be rolled out next month, the administration's numbers say, will force another 3.4 million people to travel to the offices.
(Graphic: Center on Budget and Policy Priorities)
Once they reach the office, their waits are also likely to increase. Social Security offices around the country are already increasingly overburdened due to massive cuts to staff by the Department of Government Efficiency (DOGE) earlier this year.
Nearly 2,000 field office staff took buyouts offered by Elon Musk—who stated his goal to "eliminate" Social Security altogether—and an undisclosed additional number either took early retirements or left.
According to an investigation by the office of Sen. Elizabeth Warren (D-Mass.), these cuts have also increased wait times for phone calls by a hour and 45 minutes on average.
The administration is also now relying on an artificial intelligence program to answer phone calls, which callers have described as "maddening" to use. A Washington Post reporter who tested the system in May found that it struggled repeatedly to answer her basic query about not receiving her check and needing to speak to an agent.
(Video: MSNBC)
Another 1,000 field office staff were reassigned to answer phones in early July after phone lines became overwhelmed following earlier workforce cuts.
While it remains to be seen what effect this will have on call response times, it is expected that this will only exacerbate the increased wait times for in-person services, which will become more heavily burdened due to the new requirements.
Last week, Kathleen Romig, a former SSA official who's now the director of Social Security and disability policy at CBPP, described it as "a deep hole of their own creation," as SSA's cuts meant "you just don't have enough people to go around to serve the public." She said increasing call staff by poaching from already understaffed field offices was like trying to "rearrange the deck chairs on the Titanic."
Warren, meanwhile, has accused the SSA of fudging numbers to downplay long wait times. The administration has claimed its wait times are as low as 12 minutes. But when Warren's office tested the call lines in June, it took an average of 102 minutes for calls to be answered—over 8.5 times longer than what the agency claimed—while more than half were not answered by a human at all.
"The SSA is failing to provide policymakers and the public with accurate information about the extent of the problem, using convoluted calculations to obfuscate the real data, or withholding information entirely," Warren said Tuesday.
In a letter sent Friday to SSA Commissioner Frank Bisignano, Warren pressed for him to provide "a thorough and expeditious evaluation of wait times for key Social Security services" in compliance with an audit requested by the agency's inspector general.
According to Warren, Bisignano committed to the audit in a meeting between the two, but it was not specified when it would take place.
In the meantime, the issue of long wait times is likely to only grow worse, as the Trump administration plans to eliminate a total of 7,000 employees from the administration by the end of the fiscal year.
Romig and CBPP senior fellow Devin O'Connor wrote Tuesday that "millions of beneficiaries will start to be affected" by the new restrictions on phone calls "within a matter of weeks."
"SSA did not consult with stakeholders before rushing to make this switch," they continued, "and it has yet to announce or explain the change to Social Security beneficiaries, instead burying notice of the change in a technical notice on a regulatory website."
"The agency," they said, "has provided no clear justification for the change other than vaguely citing 'fraud risk,' despite there being no publicly documented problems with completing any of these tasks by phone."