The Social Security Administration (SSA) has announced significant changes to its identity verification process starting in 2025. These changes aim to combat fraud and streamline access to benefits for millions of Americans. Under the new rules, anyone applying for Retirement, Survivors, or Auxiliary benefits must verify their identity either through a My Social Security account online or by visiting a local SSA office in person.
Phone-only applications will no longer be accepted for these specific benefit types. However, there are some exceptions to the rule. Supplemental Security Income (SSI) claims can still be verified over the phone.
Emergency and critical needs cases may also qualify for special review and documentation procedures with management approval. The SSA’s new Account Verification Service (AVS) is a key part of the changes. AVS is an integrated system that confirms banking details in real-time, helping to prevent fraud and accelerate benefit disbursement.
New identity verification requirements
To verify your identity with the SSA, you can either create a My Social Security account online or schedule an in-person appointment at your nearest SSA office. If you’re already receiving benefits and not making changes to your account, you don’t need to take any action.
The new system offers several benefits, including enhanced protection from fraud, faster claims processing, greater accessibility, and real-time banking verification. For example, someone filing for survivor benefits can now complete their application entirely online in under an hour. If you have questions about the changes, the SSA has provided answers to some frequently asked questions.
You can still apply for benefits by phone for SSDI, SSI, and Medicare claims. If you don’t have internet access, you can visit your local Social Security Administration (SSA) office or call to schedule an appointment. Your information is safe with the federally approved Login.gov or ID.me platforms used for identity verification.
Overall, while adapting to the new system may take some adjustment, it is designed to provide real benefits and protection for Social Security beneficiaries.
Photo by; Tara Winstead on Pexels