Will your Social Security check arrive if the government defaults?

President Barack Obama warned last week that Social Security benefits might not go out “on time” if Congress does not raise the debt ceiling. Should seniors and disabled American really be worried about their benefits if the U.S. government runs out of borrowing capacity later this month?

The answer is yes – but only if the Obama administration insists on making Social Security a pawn in the debt ceiling battle. And that’s a move it has no business making.

Even if the government hits the debt ceiling, there’s a viable option for keeping Social Security benefits flowing without affecting the federal debt situation in any meaningful way.

Learn more in my column today at Reuters Money.