Requires the Social Security Administration to let people apply for or manage benefits under Titles II (Social Security) and XVI (SSI) by telephone, online, or in person. It sets rules for telephone service—nationwide access, multiple languages, and security—and requires that major actions such as benefit applications and changes to direct deposit be possible by phone.

Also requires an initial Comptroller General (GAO) report within one year on implementation and annual reports from the Social Security Commissioner after that to track progress and compliance.