The Social Security bump for 3 million Americans you completely forgot about — do you still qualify?

In 2025, a bipartisan law signed by former President Joe Biden provided higher Social Security payments to 3.2 million public servants, including police officers, firefighters, and teachers. However, not all eligible individuals have received this automatic increase in benefits. The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) reduced public servants' spousal and survivor benefits, potentially leaving them with no Social Security benefits at all.

Many people are unaware they qualify for this benefit bump, as the SSA did not issue retroactive payments to those who didn't apply. To check if you qualify, file an application online or over the phone, or log into your my Social Security account to verify your address and direct deposit. Consulting a financial advisor can also help navigate changing Social Security rules and ensure you receive all benefits you're entitled to.