The New Identity Requirements for Social Security: What You Need to Know

In recent years, the rise in identity theft and cybercrime has prompted a significant overhaul in how we secure personal information. One of the latest changes that has caught the attention of many Americans is the new identity verification requirement for Social Security services. This change affects anyone needing to interact with the Social Security Administration (SSA), whether for applying for a Social Security number (SSN), updating records, or applying for benefits.

What is the New Identity Verification Requirement?

Beginning April 14, the Social Security Administration is implementing a more rigorous identity verification process for anyone seeking to access certain services. This includes verifying a person’s identity before granting access to online accounts, applying for a new SSN, or updating key details like your name or date of birth.

The new requirements are part of an ongoing effort to improve security and reduce the risk of fraud and identity theft. The SSA recognizes that with the increasing digitization of services, there’s a greater need to ensure that only the right person is accessing or modifying their Social Security information.

Accessing your Social Security Account Online

The SSA is encouraging everyone to create a personal my Social Security account.  There are two login options:

• Login.gov: A secure U.S. government service for accessing multiple federal agencies.
• ID.me: A trusted technology partner for identity verification

Both Login.gov and ID.me require two-factor authentication (also known as multi-factor authentication) to create an account and sign in. Those that created their Social Security accounts prior to September 18, 2021, will need to transition to Login.gov or use an existing Login.gov or ID.me account access their account. 

When is an In-Person Appointment Required?

If you are unable to access your account online, you will have to visit a social security office to apply for Retirement, Survivors, or Auxiliary (Spouse or Child) benefits.  Additionally, if you need to set up or change direct deposit information, or update your address, you must prove your identity in a Social Security office, it cannot be done by phone.

How Will This Affect You?

For most individuals, the biggest change will be the extra steps required to access their SSA online accounts or apply for new services. While this may seem like an inconvenience at first, the additional measures will help protect your personal information.

If you typically access your SSA account online, you can prepare by:

1. Ensuring Your Contact Information is Up to Date
   Make sure your phone number and email address are current with the SSA. This will be important if you need to receive codes or notifications related to identity verification.
2. Be Ready for Biometric Verification
   Start getting comfortable with biometric verification (like taking a selfie for identity confirmation). Make sure your device supports these features and that you have a clear and accessible form of government-issued identification.
3. Familiarize Yourself with Online Security Practices
   With the implementation of 2FA and biometric checks, it’s a good idea to get used to the idea of multi-layered security for your online accounts. Use strong, unique passwords and enable two-factor authentication wherever possible.

Potential Concerns

Those lacking access to a computer or smartphone will find verifying identity and creating an online account challenging. There may not be a SSA office nearby and scheduling an in-person appointment must be made by phone. Appointments may not be available in the immediate future, delaying benefits.

If you’re unsure about your eligibility or documentation, contact your local SSA office.