SWIFT Act of 2026

The SWIFT Act of 2026 modifies Social Security rules to improve benefits for widows, widowers, and surviving divorced spouses. It allows these individuals to receive full survivor benefits at any age if they have a disability, removing previous age restrictions and ensuring their benefits are not reduced if they remarry. The law also raises the age limit for children receiving benefits based on a parent's work record from 16 to 18, or 19 for full-time students. Additionally, the bill increases the maximum amount survivors can receive by offering financial incentives for delaying their claim until full retirement age. To help people understand these changes, the Social Security Administration will publish and mail a new information booklet to affected families.