April marks more than just the beginning of spring and tax season—this year, it also brings a significant change for families planning to claim the Child Tax Credit (CTC). The Social Security Administration (SSA) has implemented a key policy shift affecting how taxpayers verify their identity when applying for this critical credit.
Table of Contents
If you’re a parent who hasn’t yet filed your return and plan to claim the Child Tax Credit, you’ll want to understand these changes thoroughly. Here’s everything you need to know to avoid delays, secure your refund, and ensure your children get the support they’re entitled to.
What Is the Child Tax Credit (CTC)?
The Child Tax Credit is one of the most powerful financial tools for American families. It provides qualifying families with up to $2,000 per eligible child, helping parents ease the burden of raising children by either reducing their tax liability or boosting their refund.
This financial support is vital for millions of households—and getting it means understanding the rules.
2025 Ohio Child Tax Credit Eligibility and Payment Dates for the $1000 Benefit
SNAP 2025 Benefits: Maximum Food Stamp Payments for Large Families Explained
New Child Tax Credit (CTC) Offers Enhanced Benefits See If You Qualify
Who Qualifies for the Child Tax Credit in 2025?
To claim the Child Tax Credit, you must meet the following income and family criteria:
- Your child must be under 17 years old and never have filed taxes.
- Your adjusted gross income must be:
- $200,000 or less for single filers
- $400,000 or less for joint filers
- Your child must:
- Have a valid Social Security number
- Be your biological, adopted, or stepchild, or a related dependent (such as a sibling, grandchild, niece/nephew) who has lived with you for over half of the tax year
- Be a U.S. citizen or legal resident
What’s Changing in April 2025?
Previously, applicants could verify their identity by phone when claiming the Child Tax Credit. Starting in April 2025, that’s no longer an option.
To protect against fraud, the SSA now requires all new applicants who wish to claim the credit or update direct deposit details to verify their identity through one of two ways:
- Online via the “My Social Security” portal
- In-person at a local Social Security office
This change will slow down the process slightly but is designed to ensure your money isn’t stolen by scammers.
Why Did the SSA Change the Verification Process?
Between 2013 and 2018, fraudsters managed to exploit the old system by redirecting over $33.5 million in benefits intended for nearly 21,000 families. These thefts occurred due to weak identity verification methods.
To fix this and safeguard future payments, the SSA is tightening security. Now, only verified individuals will be able to manage direct deposit information or claim the Child Tax Credit, closing the door on fraudulent access.
Will Current CTC Recipients Be Affected?
If you’re already receiving the Child Tax Credit, your payments will continue as normal. However, if you need to change your bank information or update your records, you’ll have to go through the new identity verification process—either online or in person.
The SSA has confirmed this added step will not delay payments. Once your identity is confirmed, your funds will still be sent out on the next business day.
Final Reminder: Don’t Miss Out on Your Family’s Entitlement
Raising kids is tough enough without navigating confusing tax rules. If you qualify for the Child Tax Credit and haven’t yet filed your return, don’t wait. The deadline is April 15, and if you miss it, you’ll have to wait until the next tax year.
Understanding and complying with these new rules ensures you receive the support you deserve—safely and without delay.