If you’ve been watching the headlines lately, you know the government is currently shut down as Congress works to pass a new federal budget. Understandably, that raises questions—especially for retirees who depend on Social Security and Medicare.

So, let’s clear up the biggest concern first: your Social Security checks will continue to arrive on time.

Even during a government shutdown, benefits like Social Security and Medicare are considered mandatory spending. That means payments aren’t interrupted. Whether you receive your benefits by mail or direct deposit, you can expect them to show up just like they always do.

What Services Are Still Available Online

While some Social Security offices may be understaffed or offering limited in-person services, the online portal remains open—and it’s one of the best ways to manage your benefits.

Here are a few things you can still do online at ssa.gov:

• Request a replacement Social Security or Medicare card
• Apply for new benefits
• Get benefit verification letters
• Check the status of applications or appeals
• Review your cost-of-living (COLA) adjustment notices
• Print your 1099 forms
• Review your earnings history
• Change your address or update direct deposit information

In short, nearly everything you’d need to do with Social Security or Medicare can still be done online—even during a shutdown.

Staying the Course During Uncertainty

At Clarity Wealth, we know that government headlines and financial uncertainty can create anxiety—especially for those relying on fixed incomes. The important thing to remember is that these essential programs are stable, and disruptions to payments are extremely rare.

If you ever need help understanding how changes in government policy could impact your retirement plan, we’re here to walk through it with you.

We help clients align their income sources—Social Security, Medicare, pensions, and investments—into a clear, stable plan designed to last through every kind of market and policy environment.

The Bottom Line

Even with the noise in Washington, your benefits remain secure. Your Social Security and Medicare checks will continue without interruption, and your online access remains fully functional.

If you have questions about your benefits or want to understand how government policy fits into your larger retirement plan, reach out to our team at Clarity Wealth.

We’re here to help you find confidence—no matter what the headlines say.