In 2025, the Social Security Administration (SSA) introduced significant changes to how Americans verify their identity when applying for benefits. The new measures, which aim to combat fraud and streamline access, require beneficiaries to verify their identity either online or in person. These changes, effective from April 14, 2025, represent a key part of the SSA’s efforts to modernize the system and reduce fraud, while ensuring better security for millions of beneficiaries nationwide.
Why Social Security is Changing Its Identity Verification Process
The SSA processes claims for over 60 million beneficiaries each year, handling applications for retirement, disability, and supplemental income benefits. Unfortunately, with the rise in identity theft, particularly targeting older adults, the government is stepping up its security measures. According to the Federal Trade Commission (FTC), identity theft complaints reached over 1.1 million in 2023, with many cases involving government benefits fraud. Scammers often target vulnerable populations, such as retirees, using phishing, spoofing, and account takeover tactics to steal personal information and disrupt benefit payments.
The new online verification system aims to protect beneficiaries from these growing threats, reduce administrative delays, and cut down on unnecessary costs. This move is part of a broader federal initiative to make government services more secure, faster, and more accessible in the digital age.
What Are the New Identity Verification Rules in 2025?
Starting on April 14, 2025, all U.S. citizens applying for Retirement, Survivors, or Auxiliary (spouse or child) benefits must verify their identity using one of two methods:
Online Verification: Through a my Social Security account using Login.gov or ID.me for digital verification.
In-Person Verification: At a local SSA office by scheduling an appointment and presenting original documents for verification.
Important Note: Phone-only applications for retirement, survivors, and auxiliary benefits will no longer be accepted, eliminating a major vulnerability in the claims process.
Exceptions to the Rule
While the new verification rules will apply to most applicants, there are some important exceptions:
SSDI (Social Security Disability Insurance), SSI (Supplemental Security Income), and Medicare applications can still be verified over the phone.
Emergency or critical needs cases, such as individuals with terminal illnesses or prisoners transitioning back into society, may qualify for special review and documentation procedures with management approval.
Account Verification Service (AVS) to Enhance Security
A new tool called the Account Verification Service (AVS) has been implemented to prevent fraud related to direct deposit information. In the past, fraudsters have manipulated banking details, redirecting benefits to unverified accounts. With AVS, the SSA can:
Instantly verify whether the applicant owns the bank account.
Prevent unauthorized changes to direct deposit information.
Accelerate benefit disbursement by eliminating delays in processing.
This tool works behind the scenes to ensure that benefits are sent to the right place without requiring additional steps from applicants.
How to Verify Your Identity with SSA in 2025
If you need to verify your identity for Social Security benefits, here’s how to do it:
Create a “my Social Security” Account: Visit the SSA website at ssa.gov/myaccount and select “Create an Account”. Choose either Login.gov or ID.me, both of which are secure, federally approved identity verification systems. You will need your Social Security Number (SSN), a government-issued photo ID, and either a mobile phone or email. Follow the guided process, which includes submitting identity proof, such as taking a selfie or uploading a scan of your ID.
Submit Your Application: After successfully verifying your identity, log into your SSA account, select the benefits you’re applying for (e.g., retirement, spouse, or survivors), complete and review your application, and submit it electronically for faster processing. You’ll receive a confirmation email and can track your claim online.
In-Person Verification: If you are unable to use online tools or face issues, you can schedule a visit to your nearest SSA office by calling 1-800-772-1213. Be sure to bring necessary documents, such as your birth certificate, passport, or driver’s license. An SSA representative will assist you with the manual verification process.
Pro Tip: Be sure to schedule your appointment in advance, as some SSA offices may experience delays, especially during the transition to the new system.
What Does This Mean for Current Beneficiaries?
If you’re already receiving Social Security benefits and aren’t making changes to your account, there’s no need to take action. However, if you plan to:
Update your direct deposit details.
Apply for new benefits (such as after the death of a spouse).
You will need to verify your identity using the new system. The SSA recommends setting up your my Social Security account now to avoid delays later.
The SSA’s shift to smarter identity verification is more than just a tech upgrade—it’s an essential step in securing your benefits and protecting your financial future. By adopting secure online platforms and reducing reliance on outdated methods, the SSA is ensuring a safer, more accessible system for beneficiaries. Whether you’re applying for benefits for the first time or managing existing ones, understanding the new identity verification process will help you navigate the changes smoothly and avoid delays.
