October is a key month for Social Security beneficiaries, who can begin planning their finances for next year once the official cost-of-living adjustment is announced. That income adjustment determines the 2026 monthly payment for retirees, spouses and survivors of retirees, and low-income individuals who participate in the Supplemental Security Income program.

But the biggest change starting in October for retired beneficiaries stems from an executive order signed by President Donald Trump in March to save administrative costs and reduce fraud and identity theft. Starting in October, Social Security paper checks will no longer be issued, which could delay or interrupt payments to beneficiaries who do not act in time.

September was the last month paper checks were mailed. To receive the

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