Your Social Security Benefits

When did you last review your Social Security benefits?

Your Social Security Statement provides important information about your Social Security record and future benefits, including a projection of your retirement benefits at age 62, full retirement age, and age 70; projections of disability and survivor benefits; a detailed record of your earnings; and other information about the Social Security program.

To save money, the Social Security Administration (SSA) has stopped mailing Social Security Statements to individuals under age 60. Workers age 60 and older who aren’t receiving Social Security benefits will still receive paper statements. However, you can opt to sign up for online statements instead. If you’re age 60 or older, you should receive your statement every year, about three months before your birthday.

Finding Out What You Have

If you’re under age 60, you can request a paper statement in the mail. However, the quickest way to get a copy of your Social Security Statement is to sign up for a “My Social Security” account on the SSA website, ssa.gov. After signing up, you’ll have immediate access to your statement, which you can view, download, or print.

The SSA has recently started to use a two-step identification method to help protect “My Social Security” accounts from unauthorized use and potential identity fraud. You will be prompted to add either your cell phone number or email address as a second identification method. Every time you enter your account username and password, you will then be prompted to request a unique security code via the identification method you’ve chosen, and you will need to enter that code to complete the log-in process.

Since 1979, I have been helping those individuals preparing for retirement who are concerned about outliving their resources.

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