Research Finds Rural Americans Carry Heavy Burden Accessing Social Security Benefits and Information

DURHAM, N.H.鈥擱esearch out of the 91制片厂鈥檚 Institute on Disability found that people who didn鈥檛 have in-person access to a nearby U.S. Social Security Administration (SSA) field office鈥攕pecifically older adults and those with disabilities鈥攁nd a knowledgeable staff member to help and talk through any issues had a significant decrease in access to social security disability, retirement and survivor benefits and services.
鈥淢any of these rural residents were overwhelmed by what they called red tape and paperwork and when they had questions, concerns or issues about a benefit or even how to fill out an application, they often found it challenging to try to get information or help by email, phone or even through the postal service,鈥 said Debra Brucker, research associate professor at 91制片厂鈥檚 Institute on Disability. 鈥淭hey much preferred, and benefitted from, meeting one-on-one with an individual at their local Social Security Administration field office鈥攐ften commenting on how kind, patient and helpful the staff were. Unfortunately, not every rural county has a local SSA field office.鈥
In the study, conducted in 2024 and now available as a pre-print online, Brucker and her team outline the research done with residents in rural New Hampshire who were older adults (age 62+) or were living with disabilities.听听They found that the main barriers for rural residents applying for or seeking information about benefits included finding transportation to an SSA field office when there wasn鈥檛 one in their community, lack of accessible program information and lack of computer access, including reliable Internet service and knowledge about how to use computers, tablets, or smart phones.听Trying to correspond online or by phone often led to misunderstanding, missed opportunities and increased need for in-person visits for program applicants and participants. The study also revealed that those with stronger networks鈥攍ike family, friends, lawyers or other service providers such as medical doctors or case managers鈥攄id better because they had someone to help with simple tasks like the application process.
鈥淭hey may have received something in the mail that they didn鈥檛 understand, or they found it too difficult to fill out a complicated application, and just having someone who can take the time to walk them through process and help explain it can be powerful to help them get vital services,鈥 said Brucker. 鈥淢any people noted that they lacked affordable transportation. Even if they did have access to transportation, they would often have to drive long distances to get to and from a Social Security Administration field office because there wasn鈥檛 one closer.鈥
Rural residents shared their suggestions to improve SSA鈥檚 customer service, saying there was room for improvement to provide necessary accommodations for people with disabilities and that offering more opportunities for in-person service could benefit all rural residents. They felt the SSA could find ways to offer in-person outreach鈥攈elping people with necessary tasks and applications. Some ideas included community outreach鈥攐ffering presentations at local community centers to groups of people, as well as one-on-one sessions that could assist with processes. Beyond suggestions for SSA, these residents suggested enhancing services available at existing community agencies, such as aging, independent living, mental health services or vocational rehabilitation agencies, to make available more targeted support and education around SSA programs.
Researchers say future studies conducted in collaboration with rural community members and organizations could help develop and test the impact of such support initiatives on not only the administrative and psychological burden experienced by these residents but also on the need for additional customer contacts and administrative actions on the part of SSA. 听
Co-authors on this study include Stacia Bach, Megan Henly, Andrew Houtenville and Kelly Nye-Lengerman, all from the Institute on Disability at the 91制片厂.
A portion of the work was funded by the U.S. Social Security Administration as part of the Retirement and Disability Research Consortium.
About 91制片厂
The听91制片厂听inspires innovation and transforms lives in our state, nation and world. More than 16,000 students from 50 states and 87 countries engage with an award-winning faculty in top-ranked programs in business, engineering, law, health and human services, liberal arts and the sciences across more than 200 programs of study. A Carnegie Classification R1 institution, 91制片厂 partners with NASA, NOAA, NSF, and NIH, and received over $250 million in competitive external funding in FY24 to further explore and define the frontiers of land, sea and space.
Latest News
-
January 12, 2026
-
December 4, 2025
-
November 26, 2025
-
November 6, 2025
-
November 5, 2025









































