Social Security Pushes to Lift Sign-Ups for Trump Accounts

The Social Security Administration is working to bring more newborns into Trump accounts, the children's savings accounts created under the 2025 tax law. The push follows an initially slow uptake, and the agency is now looking for ways to reverse that trend and get more families to sign up.

The accounts are meant to give children a tax-advantaged head start on savings. The program includes a $1,000 federal seed deposit for eligible children born between 2025 and 2028, which gives parents a concrete reason to act early. Eligibility alone does not put money in an account, though. Families have to complete the sign-up process, so the agency's outreach matters as much as the policy design.

The central question now is enrollment. An account that exists on paper does little for a child until a parent opens it and keeps it active. The agency's effort is an attempt to close the gap between who qualifies and who actually signs up, and the results will show whether a program with a built-in incentive can win over families who have not yet engaged with it.

Parents who think they may qualify should check official government guidance for eligibility rules and sign-up steps before acting, since program details can change as the rollout continues.