Avoiding Common Errors

Avoid these frequent identity verification mistakes to ensure smooth access to your benefits:

• Waiting Until Retirement Age to Create an Account: Postponing digital setup leaves your Social Security number vulnerable to unauthorized account creation by identity thieves. Create your account as early as possible.
• Arriving at Field Offices Without REAL ID Verification: Visiting a physical SSA office with a standard, non-compliant driver’s license can prevent you from completing necessary transactions. Check for the star symbol on your license prior to your visit.
• Assuming Phone Agents Can Bypass Rules: Calling telephone representatives will not bypass in-person verification requirements for Retirement or Survivors benefits if you lack an online account.
• Failing to Update Contact Information for Multi-Factor Authentication: Changing your telephone number or email address without updating your Login.gov or ID.me credentials can lock you out of your account. Update your security settings whenever your contact details change.
• Falling for Phishing Scams: Beware of unsolicited calls, texts, or emails asking for your Social Security login information or demanding money to “unlock” your benefits. Official agencies will never ask for your password or demand payment via gift cards or wire transfers. Check federal benefit rules through USA.gov Benefits.