SWIFT Act

The SWIFT Act amends Social Security benefits to better support widows, widowers, and surviving divorced spouses with disabilities. It removes the previous age restriction requiring beneficiaries to be between 50 and 60 years old to receive full benefits, eliminates reductions for those claiming benefits before retirement age, and increases the age limit for dependent children from 16 to 18 (or 19 for full-time students). The bill creates new mechanisms to increase benefits for those who delay claiming, ensures current beneficiaries won't face reduced benefits due to these changes, and requires the Social Security Administration to provide clear information about survivors' benefits. These changes apply to benefits payable on or after January 1, 2027.