Certain Social Security beneficiaries are receiving increased payments this year due to changes in how benefits are calculated.
The removal of two key restrictions has led to higher payments for eligible widows and divorced spouses, affecting about 28 percent of state and local public workers, according to the Social Security Administration. The Congressional Budget Office estimates that roughly 2.5 million recipients are impacted by this update.
These workers include professionals such as police officers, firefighters, and teachers. The changes came after President Joe Biden signed the Social Security Fairness Act into law in January 2025, with implementation happening gradually.
Why Widows and Divorced Spouses Benefit
The reforms significantly impact widows and divorced spouses because their Social Security payments are often linked to their spouse’s earnings history.
The Social Security Administration calculates spousal benefits as a percentage of the former spouse’s benefit, depending on age:
- Around 71.5% at age 61
- Over 80% at age 63
- More than 90% at age 65
- Up to 100% at full retirement age (typically between 66 and 67)
What Changed Under the New Law
Before the Fairness Act was introduced, payments were often reduced due to two policies:
Windfall Elimination Provision (WEP)
The Windfall Elimination Provision previously limited benefits for individuals who received a public pension along with Social Security. This restriction has now been removed, allowing eligible recipients to receive full benefits.
Government Pension Offset (GPO)
The Government Pension Offset reduced spousal or survivor benefits for individuals also receiving a government pension. With its repeal, these reductions no longer apply.
Potential Increase in Monthly Payments
With both WEP and GPO eliminated, the Social Security Administration estimates that some beneficiaries could receive $1,000 or more in additional monthly income.
The National Education Association reported that its members may see an average increase of about $360 per month.
Similarly, the International Association of Fire Fighters stated that some of its members could experience increases of up to $587 monthly.
Payment Amounts May Vary
Officials note that the actual increase in benefits can differ widely depending on several factors, including:
- Type of Social Security benefit received
- Size of the individual’s pension
- Personal eligibility criteria
As the Social Security Administration explains, “Monthly benefit changes can vary significantly depending on each person’s situation.”
How to Check Eligibility
Spouses and beneficiaries can review their eligibility and estimated payment amounts by contacting the Social Security Administration directly at 1-800-772-1213.