If you’re planning to retire in the United States, there’s an important change you need to know. Starting April 2025, the Social Security Administration (SSA) has changed how retirement applications work. While your payments remain safe, the way you apply has changed completely—you can no longer complete your retirement process over the phone.
Now, you must visit a Social Security office in person to confirm your identity. Without this step, your application will be paused, and your retirement check will not be issued.
Let’s break it down clearly so you know what to do next.
What’s Changing in the Retirement Application Process?
Here’s a simple explanation of the new rule:
You can still call SSA to start the process, but after that, you must go to a local SSA office in person to prove your identity. If you do not complete this step, you won’t get your retirement check.
This change applies to:
- Retirees
- People applying for survivor or widow benefits
- Those receiving auxiliary benefits (like spouses or children of beneficiaries)
Can I Avoid Going to the Office?
Yes, there is one option: you can complete your retirement application entirely online using the My Social Security website. This online platform lets you:
- Apply for benefits
- Manage your account
- Check application status
- Make updates and more
But there’s a challenge: many older adults find it difficult to use digital tools. So while this option exists, it may not be practical for everyone. This makes things harder for many seniors who are not familiar with technology.
Who Is Exempt from This New Rule?
Not everyone has to follow the new process. If you receive:
…you do not need to go in person to confirm your identity. This rule only applies to retirement-related applications.
Why Is This Change Happening?
The SSA has explained that this move is about preventing identity fraud. They want to make sure that benefits go to the right person. There hasn’t been one specific case that caused this change—it’s simply a step to make the system more secure.
In today’s digital age, identity theft is a big problem. Verifying your identity in person or securely through the online app helps protect your money and personal details.
What’s the Best Way to Apply
The fastest and most secure option is the My Social Security app. It offers:
- End-to-end encryption for full data protection
- Quicker processing and faster check deliveries
- A user-friendly dashboard to manage your benefits
If you are comfortable with technology, this is the best route. You don’t need to wait in lines or schedule appointments at the SSA office.
What Does This Mean for Citizens?
This change is more than just a technical update—it’s a major shift in how retirement works. Phone-based applications are no longer enough. Either you go in person, or you use the online portal.
But here’s the concern: what about elderly people who aren’t tech-savvy? Many of them may struggle to use computers or smartphones. For them, this change feels like a barrier, not a solution.
Retirement benefits are a right, not a favour. So it’s important that these systems remain accessible for everyone, not just those who are good with gadgets.
The government must now create support campaigns, train staff, and help older citizens learn how to use online platforms. Otherwise, many could be left behind at a time when they most need support.
Retirement in the U.S. has officially entered a new era. From April 2025, you must either verify your identity in person or complete your application online through My Social Security. The phone alone is no longer enough to secure your retirement benefits.
This change may improve security, but it also creates new challenges—especially for older citizens who struggle with digital tools. It’s now more important than ever that clear guidance, help centers, and real human support are offered to make sure every American retiree gets what they’ve earned.
