A government shutdown can feel unsettling, and it’s normal to have questions about how it might affect your life. While the headlines focus on the big picture, what matters most is how you and your family can get through this with peace of mind. We’ve put together this guide to help you understand the potential impacts and what steps you can take to stay on top of things.

Good news first: Social Security and Medicare payments are safe

Many people worry about their Social Security and Supplemental Security Income (SSI) checks during a government shutdown. Rest assured, these benefits will continue to arrive on time. Social Security and Medicare are funded through different sources that are not tied to the annual budget process, so your payments won’t be interrupted.

However, some Social Security services may slow down. Things like processing new applications or getting a replacement Social Security card might take longer than usual. For most people already receiving benefits, this won’t be a daily concern, but it’s something to keep in mind.

The domino effect on other services

The biggest worry with a long-term shutdown is how it affects local and state programs that rely on federal funding. For many of us, this is where we see the most significant impact.

• Food and Nutrition: Federal funding for programs like Meals on Wheels for seniors could be disrupted. While some states have funds to cover these costs for a while, that money can run out. In a prolonged shutdown, meal services and food assistance could be affected.
• Health Care: Your Medicare and Medicaid benefits will continue, but a prolonged shutdown could strain the system. This might mean longer wait times to speak with someone on the phone or delays in processing some claims.
• Housing Assistance: If you or someone you know receives federal housing assistance, there could be delays in payments to providers. This could disrupt services, especially if the shutdown stretches on.
• Veterans’ Services: VA medical centers remain open, but call centers and other non-urgent services are unavailable. Veterans’ benefits continue, but new applications might be delayed.

Your plan for a stress-free shutdown

While the situation is out of your control, a little planning can make a big difference.

1. Keep in touch with your health providers. Call your doctor’s office or pharmacy to ask if there might be any impact on your appointments or prescription coverage. They may even have medicine samples on hand if you need them.
2. Use online services. Many government services have a secure online portal. For non-urgent matters, using these online options can help you avoid long phone waits or a trip to an office that might be closed. Visit www.ssa.gov for routine matters, including getting a copy of your card.
3. Document everything. Keep clear records of any communication, claims, or applications you make during this time. Having a paper trail is always a good idea.
4. Team up with your neighbors. Can you and a neighbor share rides to the grocery store or a doctor’s appointment? Check on each other—a simple visit can make a world of difference.
5. Connect with local non-profits. For help with food, transportation, or other services, dial 211 from your phone or visit https://www.211.org/. It’s a free service in all 50 states that connects you with resources in your community.

A government shutdown can be worrying, but by staying informed and preparing, you can minimize its impact on your daily life. Your peace of mind is what’s most important.