Social Security Administration Extends Identity Proofing Requirements

The SSA also made an exception to the in-person requirement for for those applying for certain services, although the exception does not apply to those applying for Retirement benefits.

The Social Security Administration has updated its recently announced identity proofing requirements, in an effort to clarify which of its services will require in-person or online registration. The SSA has said the new requirements are intended to prevent fraudulent claims.

Under the updated policy, now slated to take effect April 14, 2025, individuals applying for Social Security Disability Insurance, Medicare or Supplementary Security Income who cannot use their personal “my Social Security” account online can complete their claim entirely over the telephone, without the need to come into an office.

Last week, the SSA said, starting March 31, it would require all individuals signing up for Social Security benefits to visit a field office or use the internet and not allow them to do so over the phone. The policy’s effective date is now extended two weeks and makes an exception for those applying for SSDI, Medicare or SSI.

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“We have listened to our customers, Congress, advocates, and others, and we are updating our policy to provide better customer service to the country’s most vulnerable populations,” said Lee Dudek, acting commissioner of Social Security, in a statement.

Individuals who cannot use their personal online my Social Security account to apply for benefits will only need to provide proof of their identity at a Social Security office if applying for Retirement, Survivors or Auxiliary (spouse or child) benefits. The SSA said it will enforce online digital identity proofing or in-person identity proofing for these cases.

“The agency will not enforce these requirements in extreme dire-need situations, such as terminal cases or prisoner pre-release scenarios,” the announcement said. “SSA is currently developing a process that will require documentation and management approval to bypass the policy in such dire need cases.”

In addition, individuals who do not, or cannot, use the online service to change their direct deposit information for any benefit will need to visit a field office to process the change or can call 1-800-772-1213 to schedule an in-person appointment.

The SSA also plans to implement the Department of Treasury’s Bureau of Fiscal Service’s payment integrity service called Account Verification Service, which provides instant bank verification services to prevent fraud associated with direct deposit change requests, according to the announcement.

The SSA recently required nearly all agency employees to work in the office five days a week, which the agency claims will ensure maximum staffing is available to support the identity-proofing requirement. However, President Donald Trump’s Department of Government Efficiency Service Temporary Organization published a list of 47 SSA offices that are slated to close either this year or in the near future.

The agency also announced in February that it aims to lay off at least 7,000 people as part of the president’s effort to downsize the federal government.

401GO Expands 3(38) Services Through Mesirow Partnership

Mesirow’s 3(38) fiduciary services will be integrated within the 401GO retirement platform and available to the approximately 1,400 financial adviser partners working with the 401GO recordkeeping system.

Recordkeeper 401GO has partnered with Mesirow to offer outsourced 3(38) fiduciary services to 401GO clients.

Mesirow’s 3(38) fiduciary services will be integrated within the 401GO retirement platform and available to the approximately 1,400 financial adviser partners working with the 401GO recordkeeping system.

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The partnership will launch with Mesirow’s 3(38) services, with planned future enhancements to include custom default solutions, and broader fiduciary and reporting solutions, the companies said.

This partnership is being added in addition to the ways advisers currently work with the 401GO platform, according to the press release. Advisers will continue to have the option to use 401GO as their 3(38) fiduciary under sister company GOInvest; create their own investment lineups from 401GO’s open architecture platform; or engage with asset management firms.

“Partnering with Mesirow, an industry pioneer in outsourced fiduciary services, is an important new step in 401GO’s evolution,” said 401GO Chief Growth Officer Stan Smith, in a statement. “Adding Mesirow’s services to our platform greatly expands our retirement plan offering, to the benefit of our many financial adviser partners and plan sponsor clients.”

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