In 2025, the Social Security Administration (SSA) is rolling out significant changes to how Americans verify their identity when applying for Social Security benefits. This shift is part of a broader effort to improve digital security, reduce fraud, and make it easier for people to access their benefits. The new process, which includes tools like the Account Verification Service (AVS) and the my Social Security account, marks a major move towards a more secure and efficient Social Security system.
Why Is the SSA Changing the Identity Verification Process?
Every year, the SSA manages over 60 million beneficiaries and processes claims for various benefits such as retirement, disability, and supplemental income. However, the rise in identity theft and fraud has led to increasing concerns. In 2023 alone, the Federal Trade Commission (FTC) recorded 1.1 million identity theft complaints, many linked to government benefits fraud. These fraudsters use tactics like phishing, spoofing, and account takeover to target vulnerable populations, especially retirees.
To combat this, the SSA is modernizing its identity verification system, making it more secure and reducing reliance on outdated methods that can be easily exploited. The goal is to keep your personal information safe while making it easier for you to access your benefits.
What Are the New Identity Verification Rules for 2025?
Starting on April 14, 2025, all U.S. citizens applying for retirement, survivors, or auxiliary (spouse/child) benefits will need to verify their identity in one of two ways:
Online Verification: This can be done through the my Social Security account using secure platforms like Login.gov or ID.me for digital identity verification.
In-Person Verification: Applicants can visit their local SSA office to verify their identity with original documents, by scheduling an appointment ahead of time.
No More Phone-Only Verification for Retirement Benefits
Previously, beneficiaries could verify their identity over the phone for retirement, survivors, or auxiliary benefits. However, phone-only verification will no longer be accepted for these benefits starting in 2025. This change eliminates a major vulnerability in the system, which was often targeted by fraudsters.
What Are the Exceptions to These Rules?
The SSA acknowledges that not everyone has access to online tools or is able to visit an office in person. Some exceptions include:
Social Security Disability Insurance (SSDI), Medicare, and Supplemental Security Income (SSI) claims can still be verified over the phone.
Critical cases, such as individuals with terminal illnesses or those transitioning from prison, may qualify for special review and alternate verification procedures with management approval.
The Account Verification Service (AVS): A Key Tool Against Fraud
One of the biggest upgrades to the verification process is the Account Verification Service (AVS). This new tool allows the SSA to:
Verify banking details in real time, ensuring that the applicant owns the account where benefits will be deposited.
Prevent unauthorized changes to direct deposit information.
Speed up the disbursement of benefits by eliminating delays caused by unverified banking information.
AVS works behind the scenes, making sure that your benefits go into the right account without requiring any extra effort from you.
How to Verify Your Identity with SSA in 2025
Step 1: Create Your “my Social Security” Account
Visit ssa.gov/myaccount and select “Create an Account.”
Choose either Login.gov or ID.me, both federally approved platforms.
Have your Social Security Number (SSN), government-issued photo ID, and a mobile phone or email ready.
Follow the guided process, which may include taking a selfie or uploading a scan of your ID for verification.
Step 2: Submit Your Application
After successfully verifying your identity, log into your my Social Security account.
Choose the appropriate benefits application (e.g., retirement, spouse, survivors).
Complete and review your application before submitting it electronically for faster processing.
You will receive an email confirmation and can track your claim online.
In-Person Verification Option:
If you’re not comfortable with digital tools or run into any issues, you can schedule a visit to your local SSA office. Call 1-800-772-1213 to set up an appointment and bring necessary documents like a birth certificate, passport, or driver’s license. A representative will assist you in the verification process.
How Will These Changes Impact Current Beneficiaries?
If you’re already receiving benefits and not making changes to your account, you don’t need to take any action. However, if you plan to update direct deposit details, apply for new benefits, or make any other changes, you’ll need to verify your identity using the new system.
The SSA recommends setting up your my Social Security account now to avoid delays in the future.
Benefits of the New System
While these changes may feel challenging at first, they offer several benefits:
Enhanced protection from fraud, phishing, and impersonation scams.
Faster claims processing with fewer administrative delays.
Increased accessibility, allowing you to manage your benefits anytime, anywhere.
Real-time banking verification, which reduces errors and delays in payment.
For example, someone filing for survivor benefits can now complete their application entirely online in under an hour, a process that used to take multiple office visits and weeks of paperwork.
The SSA’s shift to smarter, more secure identity verification is an important step in protecting the personal information of Social Security beneficiaries. By embracing digital tools and reducing reliance on outdated methods, the SSA is working to make your benefits safer and easier to manage. Whether you’re applying for benefits for the first time or managing your existing ones, understanding these changes will help you navigate the system with confidence.
