How to Get Retroactive Social Security Payments in 2025 — Full Eligibility and Application Guide!
Social Security Payments in 2025: In 2025, millions of Americans are receiving retroactive Social Security payments due to the repeal of the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These provisions, which had reduced Social Security benefits for certain workers, were officially overturned through the Social Security Fairness Act. This article will explain how these retroactive payments work, who is eligible, and how to apply for them.
Social Security Payments in 2025
| Key Details | Information |
|---|---|
| Payment Start Date | February 25, 2025 |
| Coverage Period | Payments cover the period from January 2024, after the repeal of WEP and GPO |
| Average Payment | Over $7.5 billion distributed, averaging $6,710 per recipient |
| Eligibility | Includes individuals affected by WEP and GPO (e.g., government employees, teachers, first responders) |
| How to Apply | Most individuals do not need to apply. Those who haven’t filed can apply online or via phone. |
| Changes to Monthly Benefits | Increased monthly benefits began in April 2025 |
The repeal of WEP and GPO brings significant relief to millions of Americans, ensuring that they receive the full Social Security benefits they are entitled to. Retroactive payments have already been issued, and monthly benefits will be higher starting in April 2025. If you are eligible but have not yet applied for benefits, it’s important to apply soon and ensure that your information is up-to-date with the SSA.
Eligibility for Retroactive Payments
The repeal of WEP and GPO impacts individuals who meet the following criteria:
- Receive a pension from work not covered by Social Security taxes (e.g., certain government or foreign jobs).
- Previously had reduced Social Security benefits due to WEP or GPO.
- Are eligible for Social Security benefits either from their own work history or as a spouse/surviving spouse.
Affected Professions
This change is particularly beneficial for around 3.2 million Americans, including workers in fields such as:
- Teachers
- Firefighters
- Police officers
- Federal employees under the Civil Service Retirement System
For further details on eligibility, check out SSA’s updates on the Fairness Act.
Retroactive Payment Details
Payment Timeline
- Start Date: February 25, 2025
- Coverage: Payments cover retroactive benefits dating back to January 2024 when WEP and GPO were no longer applied.
Payment Method
- Deposit: Retroactive payments will be directly deposited into the bank accounts registered with SSA.
- Average Payment: By March 2025, over $7.5 billion has been distributed, with an average payout of $6,710 per recipient.
Monthly Benefit Increases
- Higher Monthly Payments: Starting in April 2025, eligible individuals began receiving higher monthly Social Security benefits reflecting the repeal of WEP and GPO.
For more on this, read What to know about retroactive Social Security benefits payments.
Application Process
Most people will automatically receive their retroactive payments without needing to apply. However, if you have not yet filed for Social Security benefits, you should apply.
Steps to Apply
- Online Application: Visit www.ssa.gov/apply to apply for Social Security benefits online.
- Phone Application: Call 1-800-772-1213 and use the prompt “Fairness Act” to get more information or apply.
- Survivors: If applying as a surviving spouse, you must apply by phone since online applications are not available for survivors.
Make sure your direct deposit information and contact details are up-to-date. You can manage these details through your my Social Security account.
What to Expect
Once your retroactive payment is processed, here’s what you can expect:
- Mailed Notices: SSA will send notices detailing your payment changes and any retroactive payments.
- Payment Timing: Most retroactive payments were issued by the end of March 2025.
- Increased Monthly Payments: Higher monthly benefit amounts started in April 2025.
Check out What to know about retroactive Social Security benefits payments for more details.
Important Considerations
Identity Verification
To ensure the security of your benefits, the SSA has strengthened its fraud prevention measures starting April 14, 2025. If you cannot verify your identity online, you may need to visit a local SSA office in person.
Overpayment Recovery
As of March 27, 2025, SSA has reinstated a 100% withholding rate for overpaid benefits. If you believe you cannot afford the full withholding, you can request relief or appeal the decision.
For updates on fraud prevention, visit Press Release | SSA.
Contact Information
For assistance with your benefits, here are the best ways to get in touch with the SSA:
- Online Account: www.ssa.gov/myaccount
- Phone: 1-800-772-1213
- Fairness Act Information: www.ssa.gov/fairnessact
FAQs on Social Security Payments in 2025
Who is eligible for the retroactive Social Security payments?
Individuals who were affected by the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) are eligible. This includes workers in specific professions like teachers, firefighters, and federal employees under the Civil Service Retirement System.
How can I apply for Social Security benefits?
You can apply online at www.ssa.gov/apply or by calling 1-800-772-1213. If you are a survivor, you must apply by phone.
When will I receive my retroactive payment?
Most retroactive payments were issued by the end of March 2025. If you are eligible, payments will be deposited directly into your bank account.
What if I have trouble verifying my identity?
If you cannot verify your identity online, you may need to visit your local SSA office in person to complete the verification process.
