As the federal government shutdown enters its third day, millions of America's seniors are increasingly concerned about accessing programs and benefits they rely on for daily survival, according to Yehuda Tropper, CEO of Beca Life Settlements and long-time senior financial security advocate.

The shutdown threatens to disrupt Social Security Administration operations, Medicare services, and the many programs that are a financial and healthcare lifeline for an estimated 66 million older Americans. While recipients will continue to receive Social Security checks because they are funded through mandatory spending, the processing of new applications, benefit verification, and customer service operations are at risk.

Seniors contributed to these systems for decades," said Yehuda Tropper . "Government shutdowns don't just create delays-it creates real hardship for people living on fixed incomes who don't have room for error. When processing for Medicare staff is slowed, or Social Security offices are closed, seniors are left navigating an already complex system with no supports to help them when they need it most."

Medicare beneficiaries face particular challenges during the shutdown. Although Medicare benefits will continue and claims processing will operate as normal because it is funded through the Medicare Trust Fund, customer service hotlines will have limited staff, and help with questions concerning enrollment, appeals, and billing disputes will likely be severely curtailed. For seniors with urgent healthcare needs or problems with drug coverage, this slows down important issues in their health care.

The impact is not only limited to federal services. For some seniors, community services funded through federal grants, including meals, and meal delivery programs, senior centers, and transport to appointments are going to face uncertainty as there will be a decrease in funding available, forcing organizations to make difficult decisions about what services to keep and what services to cut back on.

Low-income seniors qualifying for Supplemental Security Income (SSI), are put in even more precarious positions. Going forward there may be major delays with processing new SSI applications and SSI redeterminations.

The psychological toll on older Americans during a government shutdown is real. Many remember past shutdowns and the spike of anxiety that followed. For people who manage chronic conditions or live alone, the added uncertainty about whether prescription refills, home-delivered meals, or telehealth visits will keep running turns ordinary worry into something urgent. Imagine a retired teacher waiting on a call about a medication refill-that waiting can become its own crisis.

Tropper put it plainly:“We need to keep in mind that behind every statistic there is a real person: a grandparent, a veteran, a retired teacher...who planned for retirement but couldn't plan for their government failing them. These are not hypothetical public policy conversations but real human problems that require urgent action by our elected policymakers.”

As talks continue on Capitol Hill, advocates are asking Congress to protect senior services and acknowledge how shutdowns hit older Americans harder. Policymakers can limit harm now by prioritizing programs that seniors depend on so those small, daily supports don't become life-changing gaps.

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