As millions of Americans rely on Social Security for financial security in retirement, disability, or survivor benefits, preserving access and rights to those benefits is more important than ever. While the Social Security Administration (SSA) provides the framework, it’s up to each individual to ensure they stay informed, proactive, and protected.
Whether you’re nearing retirement, already receiving benefits, or still years away from eligibility, these essential steps can help you safeguard your Social Security entitlements.
1. Create and Monitor Your “my Social Security” Account
The first and most crucial step is to set up a free “my Social Security” account at the SSA’s official website. This personal portal allows you to:
- View your earnings record
- Estimate future benefits
- Request benefit statements
- Manage direct deposit and mailing preferences
Your earnings record is the foundation for calculating your benefits. Errors in reported income can lead to lower benefit payments, so it’s vital to check for accuracy each year.
2. Understand How Your Benefits Are Calculated
Social Security benefits are based on your 35 highest-earning years. If you haven’t worked for 35 years, zeros are factored in, which reduces your payout. The age at which you begin claiming also affects the monthly amount:
- Claiming at full retirement age (FRA) provides full benefits (66 to 67, depending on birth year).
- Claiming early at age 62 results in reduced benefits.
- Delaying until age 70 increases monthly payments by up to 8% per year.
The SSA’s Benefits Planner can help you strategize based on your circumstances.
3. Stay Informed About Policy Changes
Recent changes in 2025 underscore the importance of staying up to date. For instance, the Social Security Fairness Act, signed into law on January 5, 2025, eliminated two controversial provisions:
- Windfall Elimination Provision (WEP)
- Government Pension Offset (GPO)
These changes restore full benefits to thousands of public sector workers, including teachers, firefighters, and police officers who were previously penalized for also receiving a government pension.
More on this legislation can be found in this report by LMTOnline.
4. Be Aware of Overpayment Policies
The SSA has been tightening its approach to overpayment recovery. In cases where individuals receive excess benefits—often due to unreported income changes or delays in reporting life changes—the SSA can reclaim the funds, even years later.
As The Sun recently reported, this policy may cost Americans billions. Protect yourself by promptly notifying the SSA of any:
- Changes in income
- Changes in marital status
- Return to work while receiving disability benefits
Refer to the SSA publication on reporting responsibilities for a full list.
5. Prepare for New Identity Verification Rules
Starting April 2025, the SSA is implementing a new digital identity verification policy. In-person verification may become limited due to executive orders reducing staffing. As a result, beneficiaries will be expected to verify their identity online using enhanced protocols.
To avoid delays or benefit interruptions, read the SSA’s ID proofing guide and ensure your account is ready for the new system.
6. Advocate for Your Rights
Organizations like AARP play a crucial role in defending Social Security. You can:
- Join advocacy campaigns
- Contact your representatives
- Vote with Social Security policies in mind
The more informed and vocal the public is, the more likely policies will reflect the interests of current and future retirees.
7. Consult a Financial Advisor
Understanding how Social Security integrates with other retirement income is complex. A financial advisor can help you:
- Choose the right age to claim benefits
- Understand tax implications
- Coordinate benefits with your spouse or dependents
A good strategy can significantly increase your lifetime benefits.
Final Thoughts
Protecting your Social Security benefits requires more than just waiting until retirement. By actively managing your account, staying current with policies, and reporting changes in a timely manner, you can ensure you receive the full benefits you’ve earned.
With Social Security at the heart of many Americans’ retirement plans, staying engaged and informed is the best way to preserve this vital safety net.
For more information, visit the official Social Security Administration website.
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