Why should I create a my Social Security account?
Creating an account gives you instant access to your personal Social Security information. Here are just some of the time-saving perks of a my Social Security account:
During your working years, you can...
- View your Social Security Statement
- Check your earnings record
- See estimates of future retirement, disability, and survivor benefits
After being approved for benefits, you can...
- Immediately get your proof of benefits letter
- Change the address or phone number on your records
- Check your benefit and payment information
- Get a replacement Medicare card
- Get a replacement SSA-1099 or SSA-1042S form
As you can see, having this kind of instant access to your information online is very useful!
How can I create my free account?
First, review the qualifications to be sure that you are eligible for a free my Social Security account.
You need to...
- Have a valid email address
- Have a Social Security number
- Have a U.S. mailing address
- Be at least 18 years of age
Then, navigate to https://www.ssa.gov/myaccount/ and click "Sign In or Create an Account". The account creation process is set up in an easy, straightforward way and will walk you through the steps.
How can I keep my account extra-secure?
The Social Security Administration offers you the choice to secure your online account by entering a unique code sent to your cell phone as a text message each time you sign in.
To set up text message verification, Social Security will need one of the following pieces of information from you to verify your identity:
- The last eight digits of your Visa, MasterCard, or Discover credit card*
- Information from your W2 tax form
- Information from a 1040 Schedule SE (self-employment) tax form
- Your direct deposit amount, if you receive Social Security benefits
*You might have heard before that Social Security will never ask for your credit card number or other financial information. This service is the only exception. It is also completely optional - if you feel uncomfortable providing this information, you may still create a free account without the text-message verification security option.
The Social Security Administration has stopped mailing earnings statements to people on an annual basis, but you still have a duty to make sure your earnings record is correct. You have only a few years to request the correction after the end of each calendar year. In September 2014 the Agency began mailing Statements to workers attaining ages 25, 30, 35, 40, 45, 50, 55, and 60 and over who aren’t receiving Social Security benefits and do not yet have a my Social Security account. By the time you receive your statement, the deadline for correcting your earnings record may have expired. The easiest way to find out if your reported earnings are accurate is to set up a my Social Security account.
For more information about how to correct your earnings record if you find a mistake, you can review this brochure published by the Social Security Administration: How To Correct Your Social Security Earnings Record, https://www.ssa.gov/pubs/EN-05-10081.pdf.