Social Security Statement
A personalized SSA record showing your lifetime earnings, projected retirement and disability benefits, and survivor benefits. Free at ssa.gov/myaccount.
Official source: ssa.gov
Your **Social Security Statement** is SSA's personalized record of your work history and a forecast of the monthly benefits you and your family could receive. SSA stopped mailing paper statements to most workers in 2011 — today you access it online through your free **my Social Security** account at ssa.gov/myaccount.
The statement includes: your year-by-year **earnings history**, your **projected retirement benefit** at age 62, your **Full Retirement Age**, and at age 70, your **SSDI benefit** if you became disabled today, the **survivor benefits** your spouse and children could receive, and your **Medicare eligibility** date.
Reviewing your statement once a year is one of the highest-leverage moves a worker can make. SSA bases your eventual benefit on your top **35 years** of indexed earnings — a missing year, an unreported W-2, or an employer reporting error can lower your benefit for life. Errors get harder to fix as time passes; corrections must generally be requested within 3 years, 3 months, and 15 days.
The statement also shows your **Medicare-taxed earnings** separately, which matters for Medicare eligibility and IRMAA calculations later.
If any year of earnings looks wrong, gather your W-2, tax return, or pay stubs for that year and contact SSA at 1-800-772-1213 to start a correction.
Frequently asked questions about Social Security Statement
How do I get my Social Security Statement?+
Create a free my Social Security account at ssa.gov/myaccount. Your statement is available online — SSA no longer mails paper statements to most workers under 60.
How often should I check my Social Security Statement?+
At least once a year. Earnings errors are easier to fix while pay records still exist — generally within 3 years, 3 months, and 15 days of the year in question.
What if my earnings record is wrong?+
Gather your W-2, tax return, or pay stubs for the year in question and contact SSA at 1-800-772-1213. SSA can correct the record if you provide acceptable proof of the actual wages.
Why does my Statement show different numbers each year?+
Projected benefits update as you add new earnings years, as SSA reindexes wages for inflation, and as Social Security Bend Points and COLA adjustments change.
Does my Social Security Statement show my Medicare eligibility?+
Yes. It lists your projected Medicare eligibility date (usually age 65) and shows your Medicare-taxed earnings, which determine eligibility and IRMAA in retirement.
Source: ssa.gov