Millions of retirees across the U.S. could be eligible for up to $1,375 in Social Security benefits each month, thanks to recent changes in government policies. If you’re nearing retirement or already retired, understanding how to unlock this extra benefit is crucial. Here’s a breakdown of what’s changed and how to apply for the boost.
What Changed?
The recent removal of two controversial provisions, the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), has opened the door for higher monthly checks. These rules previously reduced or eliminated Social Security benefits for retirees who also had public pensions, affecting millions of spouses, widows, and government workers. Now, with those restrictions lifted, many could see thousands of dollars in added benefits.
Who Qualifies?
To qualify for the increased benefits, you must meet the following basic Social Security requirements:
- Work History: You need at least 40 work credits, which typically means about 10 years of employment. In 2025, you earn one credit for every $1,810 in wages, up to four credits per year.
- Age Requirement: You can start collecting benefits as early as age 62, but if you want the full benefit amount, it’s best to wait until you reach your full retirement age (FRA), which ranges from 66 to 67 depending on your birth year.
How to Apply for the $1,375 Benefit
Applying for Social Security is easier than you might think. Here are the three main ways you can do it:
- Online: Visit the official Social Security website at ssa.gov to start your application.
- By Phone: Call the Social Security Administration at 1-800-772-1213 to speak with a representative or schedule an appointment.
- In Person: Head to your local Social Security office. It’s a good idea to book an appointment in advance to avoid long wait times.
Documents You’ll Need
To ensure your application process goes smoothly, gather the following documents beforehand:
- Your birth certificate or proof of birth
- Your Social Security number
- Proof of U.S. citizenship or lawful immigration status
- Military service records (if applicable)
- Your W-2 forms or self-employment tax returns from the previous year
Why Act Now?
If you were previously affected by the WEP or GPO provisions, you may be entitled to retroactive payments. The Social Security Administration is currently processing claims manually and developing automated systems to ensure that eligible retirees receive any back payments they’re owed.
Don’t Miss Out on Extra Benefits
These changes could mean a significant financial boost for retirees, especially those who were previously discouraged from applying. Review your Social Security earnings record, check your eligibility, and file your claim as soon as possible to maximize your benefits.
Staying informed is key—further adjustments to Social Security programs may be on the horizon. For now, make sure you’re getting every dollar you’ve earned.
