Some New Yorkers Won’t Receive Full Social Security Benefits

Bad news for some New Yorkers who were hoping to receive their full Social Security benefits. Lately, with the new regime, there have been many changes made to the entitlement. DOGE cut more than 7,000 Social Security jobs. Having fewer employees will not help New Yorkers who have questions or concerns about their benefits, especially because of the new rules implemented for verification purposes.

In a move that the American Association of Retired Persons opposes, the Social Security Administration will no longer allow beneficiaries and New Yorkers applying for Social Security to verify their identity by phone. The policy change now forces in-office visits or online verification. With limited staff, it's a recipe for frustration and delays.

The average callback time on SSA's phones to make an in-person appointment is over two hours; the wait for an appointment is over a month.

 

New Yorkers Born In 1960 Won't Get Full Social Security Benefits

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Why It Matters?
Almost 4 million people will turn 65 in 2025, however, New Yorkers born in 1965 are no longer eligible for their full benefits. Due to an amendment to the Social Security Act, the age to receive full benefits was increased to 67, which was previously 65.

In 1983, the amendment made a change that affects people born in 1960, who would have been eligible. In an effort to mitigate the growing number of Social Security beneficiaries due to longer life expectancy, the age since has been gradually increasing to 67 since the early 2000s. New Yorkers turning 65 this year will have to wait two more years before they reach their full retirement age. The change,

"Amends title II of the Social Security Act to gradually raise the age at which full OASDI benefits are payable from 65 to 66 by the year 2012, beginning with individuals who reach the early retirement age (62 for old-age or wife's or husband's insurance beneficiaries, 60 for widow's or widower's insurance beneficiaries) in the year 2000."

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While this change is not new, it may be news to people turning 65 this year who have not been keeping up with changes to Social Security. It also applies to spousal benefits, but differs for survivor benefits, according to AARP.

"Full retirement age for survivors is 66 and 4 months for people born in 1958, 66 and 6 months for those born in 1958 and is going up by two months per birth year to 67 for people born in 1962 or later."

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