The "Surviving Widow(er) Income Fair Treatment Act of 2025," or SWIFT Act , aims to significantly enhance Social Security survivors benefits for disabled individuals. It eliminates the current age 50-60 requirement for disabled widows, widowers, and surviving divorced spouses to receive benefits, allowing them to qualify at any age. Furthermore, the bill removes the rule that their disability must have begun by a specific time and ensures that remarriage after initial eligibility does not affect benefit entitlement. A crucial provision of the bill is the elimination of benefit reductions for disabled survivors who claim benefits before their full retirement age, ensuring they receive their full entitlement. It also modifies the calculation of benefit limits, potentially allowing for higher payments. Additionally, the act increases the age limit for child-in-care benefits from 16 to 18, or 19 if the child is a full-time elementary or secondary school student. The SWIFT Act introduces new mechanisms to increase benefits for widows and widowers who delay claiming their benefits, similar to delayed retirement credits for primary beneficiaries. These provisions apply both before and after full retirement age, providing incentives for strategic claiming. To protect vulnerable individuals, the bill includes a "hold harmless" clause , ensuring that any increased Social Security income does not disqualify current beneficiaries from other federal, state, or local aid programs. Finally, the legislation mandates that the Commissioner of Social Security publish a comprehensive booklet by January 1, 2027, detailing survivor benefits, claiming strategies, and the lump sum death benefit. This booklet must be mailed to known widows, widowers, and surviving divorced spouses within 30 days of notification of a death. All major amendments in the bill are set to take effect on January 1, 2027 , applying to benefit determinations on or after that date.