SWIFT Act

Senate Bill

S. 3255

119th Congress

SWIFT Act

In Committee

Introduced:Nov 20, 2025

Primary Sponsor

Richard Blumenthal

D - CT

Cosponsors

4

Quick Stats

Policy Area

Social Welfare

Summary

The SWIFT Act expands Social Security survivor benefits for disabled widows and widowers by removing age restrictions (currently 50-60), eliminating benefit reductions for claiming before retirement age, and raising the child-in-care age from 16 to 18. It also increases the benefit floor to 82.5% of the deceased spouse's benefit.

Latest Action

Read twice and referred to the Committee on Finance.

AI Summary

Plain-English explanation of this bill

The SWIFT Act expands Social Security survivor benefits for disabled widows and widowers by removing age restrictions (currently 50-60), eliminating benefit reductions for claiming before retirement age, and raising the child-in-care age from 16 to 18. It also increases the benefit floor to 82.5% of the deceased spouse's benefit.

Last updated: 12/27/2025

Key Points

Main provisions of the bill

Removes age 50-60 restriction for disabled survivor benefits
Eliminates benefit reduction for early claiming
Raises child-in-care age from 16 to 18
Sets benefit floor at 82.5% of deceased spouse benefit
Effective January 1, 2027

How This Impacts Americans

Potential effects on citizens and communities

Disabled widows and widowers of any age can receive full survivor benefits. Caregivers of older children retain benefits longer. Surviving spouses receive higher benefits overall. Addresses economic vulnerability of disabled surviving spouses. Significant program expansion.

Policy Areas

Primary Policy Area

Social Welfare

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

3255, 119th Congress (2025). "SWIFT Act". Source: Voter's Right Platform. https://votersright.org/bills/119-s-3255