Check The Social Security Administration’s Math
Your statement includes a record of the earnings on which you’ve paid taxes and an estimate of the benefits you will receive at various retirement ages: 62, 67, and 70. It is always wise for you to check the SSA’s numbers. Don’t be surprised if you uncover an error. Some government-watchers estimate that the SSA makes mistakes on at least 3% of the total official earnings records it keeps.
When you check your record, make sure that the Social Security number noted on your earnings statement is your own, and make sure the earned income amounts listed on the agency’s records mesh with your own records of earnings as listed on your income tax forms or pay stubs.
How To Match A Social Security Number With A Name
Social security numbers can be matched with a name by using an FCRA approved background check or approved credit check.;;Social security numbers are issued by the Social Security Administration and have become the main identifier for US taxation and other official purposes.; SSNs are used as a way of verifying identity for things like background checks, tenancy, bank loans, and credit purposes.; There are only select authorized purposes for requesting this information and they almost always require;the approval of the person being researched.
Who Can Use The Retirement Estimator
You can use the Retirement Estimator if you have enough to qualify for benefits and you are not:
- Currently receiving benefits on your own Social Security record.
- Waiting for a decision about your application for benefits or Medicare.
- Age 62 or older and receiving benefits on another Social Security record.
- Eligible for a .
If you are currently receiving only Medicare benefits, you can still get an estimate. For more information, read our publication .
If you cannot use the Retirement Estimator or you want a survivors or disability benefit estimate, please use one of our other .
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Request For A Social Security Statement
If you dont want to wait for your Social Security Statement to be mailed to you, you may sign up to get your Social Security Statement online. You also may be able to estimate your retirement benefit using our online Retirement Estimator.
If you would like to receive your Social Security Statement by mail, please print and complete a “Request For Social Security Statement” and mail it to the address provided on the form.
You should receive your paper Social Security Statement in the mail in four to six weeks.
If you were unable to create or encountered a problem with your mySocial Security account, you may visit a local office or call 1-800-772-1213 for help.
Get Your Social Security Statement Online
The Social Security Administration discontinued mailing paper earnings statements in 2011, but in February it reversed course and resumed mailing statements to workers age 60 and older who aren’t already receiving benefits. It will also mail statements to workers at age 25. Everyone else can check their Social Security statements online. Go to www.ssa.gov/mystatement and create a “My Social Security” account. You’ll need to provide data about yourself that matches the information on file with Social Security, as well as answer questions about your financial accounts that only you are likely to know.
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Get Ssa Benefits While Living Overseas
U.S. citizens can travel to or live in most, but not all, foreign countries and still receive their Social Security benefits. You can find out if you can receive benefits overseas by using the Social Security Administrations payment verification tool. Once you access the tool, pick the country you’re visiting or living in from the drop-down menu options.
Heres Where To Get More Information On Social Security Numbers
Identity Theft: If you think an identity thief is using your SSN to work or to collect benefits, call the Social Security Fraud Hotline at 1-800-269-0271. If you think someone may be using your SSN to work, check your Social Security Personal Earnings and Benefit Statement. You can get a copy by calling 1-800-772-1213, or online at www.ssa.gov/online/ssa-7004.pdf. Also see the Social Security Administrationâs booklet âIdentity Theft and Your Social Security Number,â at www.ssa.gov/pubs/10064.html.
History of SSNs: For a chronology of the laws relating to SSNs, see www.ssa.gov/history/ssn/ssnchron.html.
What the Numbers Mean: For an explanation of the meaning of the numbers in SSNs and answers to other questions about SSNs, see www.ssa.gov/ssnumber/.
More on Protecting your SSN: âFact Sheet 10: My Social Security Number: How Secure Is It?â from the Privacy Rights Clearinghouse, at www.privacyrights.org.
Recommended Practices: For recommendations on how organizations can protect privacy in their handling of SSNs, see Recommended Practices for Protecting the Confidentiality of Social Security Numbers on the Business page at www.privacy.ca.gov.
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If You’re Not Sure Why You Received A Payment
Contact the authorizing agency directly to find out why they sent the payment. You may be able to find the authorizing agency in the memo line of the check. View this diagram of a sample Treasury check to help you locate the authorizing agency contact information on your own check. Scroll about half way down the page to see the diagram.;
If you’re unable to find which;agency authorized the payment, .;They;can help you determine which government agency you need to contact. To find which;RFC;you need to call, look for its city and state at the top;center of the check.;
Use the Treasury Check Verification System to verify that;the check is legitmate and issued by the;;government. ;
Why Should I Check My Statement
A discrepancy in your earnings not only can affect your future benefits, but it can also raise a flag about possible identity theft. If earnings are much higher than your records show, it could indicate that someone has been working illegally using your Social Security number.
Statements also help you plan for retirement. You can see how much you can expect to receive in monthly benefits, and how much more you would get until your full retirement age, rather than collecting benefits at age 62. For most people born in 1960 or later, their full retirement age is 67. And if you delay taking your benefits until age 70, your monthly payments will be even higher.
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How Can I Get A Social Security Statement That Shows A Record Of My Earnings And An Estimate Of My Future Benefits
You can get your personal Social Security Statement online by using your mySocial Security account. If you dont yet have an account, you can easily create one. Your online Statement gives you secure and convenient access to your earnings records. It also shows estimates for retirement, disability and survivors benefits you and your family may be eligible for. To set up or use your account to get your online Social Security Statement, go to . We also mail paper;Statements;to workers age 60 and older three months before their birthday if they dont receive Social Security benefits and dont yet have a;mySocial Security account. Workers who dont want to wait for their scheduled mailing;can request;their;Social Security Statement;by;following these instructions.;The;Statement;will arrive by mail in four to six weeks.
Creating An Online Account
You must be over 18 years old and have a Social Security number and an email address to create a my Social Security account, but otherwise, there is no cost to set up the account. Once you’re on Social Security website click on Sign In” or “Create an Account. Youll need to provide your name, Social Security number, date of birth, home address and phone number.
Youll also need to select a username and password. Then youll receive a code by your choice of email or text message to confirm your identity. You can elect to add an extra level of security to your account by having the Social Security Administration mail you an activation code.
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Where Can I Get A Social Security Card
If you have never been issued a Social Security card, you may apply for one at no cost at a local Social Security office. You will need to:
- Bring a completed Form SS-5 and,
- Provide at least two documents to confirm your age, identity and citizenship or legal presence.
Acceptable documents include but are not limited to an original birth certificate, valid U.S. driverâs license, state-issued identification card or U.S. passport.;If a U.S. birth certificate exists you MUST submit it. See;Learn What Documents You Need;to find acceptable documents. Only originals or copies certified by the agency that issued the document will be accepted. Individuals who are not U.S. citizens must provide a current U.S. immigration document and foreign passport with biographical information or photograph.
Related Documents & Topics
If you have lost your Social Security card and need to get a replacement, you may be able to request a replacement online:
You can use a;my Social Security account to request;a replacement Social Security card online if you:
- Are a U.S. citizen age 18 years or older with a U.S. mailing address;
- Are not requesting a name change or any other change to your card; and
- Have a driverâs license or a state-issued identification card from Michigan or one of the other states listed.
Why Is It Important To Check Your Social Security Earnings Record
You should check your earnings record at least once per year to make sure your earnings have been properly reported to the SSA.
If your employer didn’t report your income properly or reported using the wrong name or Social Security number, you may not have received credit for all you made. If you changed your name after marriage or divorce and didn’t report this to the SSA, you may also have an incorrect record.
If there’s a problem, you need to contact the SSA to correct it — and provide documentation including tax returns, W-2s, or pay stubs. If you’ve gone years between checking your earnings and you notice a mistake, you may not have these old documents any more and fixing your record could become more difficult.
If you don’t get credit for the full amount of wages you earned, your Social Security benefits will be smaller as a result of it. And if money was taken directly out of your paycheck to cover Social Security taxes , you’d have paid taxes for benefits you don’t receive.;
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What Is A Social Security Card
Your Social Security card is an important piece of identification. You’ll need one to get a job, collect Social Security, or receive other government benefits.
When you apply for a Social Security number , the Social Security Administration will assign you a nine-digit number. This is the same number that is printed on the Social Security card that SSA will issue you. If you change your name, you will need to get a corrected card.
Social Security Record Of A Deceased Individual For Genealogical Research
If youre interested in filling out the leaves on your family tree, you might be surprised to learn how much information your forebears Social Security records contain. You can perform a quick Social Security Death Index records search for free online. To collect the complete record of the deceased individual, you must request it from Social Security.
Note that if your request for the deceased individuals Social Security record doesnt directly pertain to matters relating to Social Security benefits or programs, SSA may ask you to pay for information by credit card , check, or money order.
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How Can I Get A Form Ssa
An SSA-1099 is a tax form we mail each year in January to people who receive Social Security benefits. It shows the total amount of benefits you received from Social Security in the previous year so you know how much Social Security income to report to IRS on your tax return.
If you are a nonresident alien and you received or repaid Social Security benefits last year, we will send you form SSA-1042S instead.
The forms SSA-1099 and SSA-1042S are not available for people who receive Supplemental Security Income .
If you currently live in the United States and you need a replacement form SSA-1099 or SSA-1042S, we have a new way for you to get an instant replacement quickly and easily beginning February 1st by:
- Using your online mySocial Security account. If you dont already have an account, you can create one online. Go to . Once you are logged in to your account, select the “Replacement Documents” tab;
- Calling us at 1-800-772-1213 , Monday through Friday, 8:00 am 7:00 pm; or
How Do Benefits Work And How Can I Qualify
While you work, you pay Social Security taxes. This tax money goes into a trust fund that pays benefits to:
Those who are currently retired
To people with disabilities
To the surviving spouses and children of workers who have died
Each year you work, youll get credits to help you become eligible for benefits when its time for you to retire. Find all the benefits Social Security Administration offers.
There are four main types of benefits that the SSA offers:
Learn about earning limits if you plan to work while receiving Social Security benefits
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How To Check On My Social Security Account
Check your Social Security account online 24/7.
The Social Security Administration only mails out paper statements to workers age 60 and older who arent receiving Social Security benefits yet and dont have an online account with the Social Security Administration. Everyone else can go to the SSA website to check their accounts. Once you register for the service, you can view information about your accumulated Social Security credits, your estimated benefits as well as retirement tips with a just few mouse clicks.
What Information Does The Number Not Provide
Most significantly, and perhaps surprisingly, criminal records are not tied to SSNs. An individuals criminal charge may or may not include their SSN, so a clean criminal record check using SSN alone is not particularly meaningful. Its a start, but its by no means the whole story. However, using information gleaned from an SSN check that includes names and aliases as well as former addresses, skilled background screeners can search criminal records databases to find evidence of an individuals criminal history. So, while your SSN by itself will not reveal a criminal history, its nonetheless very difficult to run a thorough criminal background check without the additional information provided by a thorough SSN trace.
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Avoiding Social Security Fraud: Leave Your Social Security Card At Home
Once you receive your replacement Social Security card, lock it away in a safe place until you absolutely need it. Experts advise to avoid carrying your card around on a regular basis partly because of the risk of losing it again, and partly because you really dont need to present your Social Security card on a regular basis. In fact, one Social Security expert says that Social Security cards are irrelevant in the digital age, and the real priority should be targeted at fraud protection.
Its extremely rare that you need your actual Social Security card, says Steven J.J. Weisman, Esq., an Amherst, Massachusetts-based college professor whose expertise is in investigating white-collar crime. A Social Security number is the most important piece of information that a criminal can use to make you a victim of identity theft so you shouldnt carry it with you in your wallet, anyway.
But if you do lose your card, Weisman recommends taking direct action to protecting the cardholder from financial fraud.
Because of the danger of identity theft if your Social Security card is lost, you should put a credit freeze on your credit reports at each of the three major credit reporting agencies in order to prevent someone from leveraging the Social Security number into accessing your credit or establishing accounts in your name, he says.
Other data security experts agree, citing the high risk of losing a card if you cart it around in your wallet or pocketbook.
What Is An Ssn Tracker
An SSN tracker is a service provided by companies to protect you from identity theft.; If you are signed up for the SSN tracker service and there are threats to your identity, you will be notified and may even be eligible for stolen funds reimbursement.; Information monitored includes publication of your information on the dark web, changes in your credit, crimes committed in your name, data breaches involving companies you have purchased from in the past, home title monitoring, bank/investment accounts opened with your SSN, etc. You may also receive additional services protecting your identity when youre online, such as a VPN account and other privacy monitors.
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Where Can I Find My Social Insurance Number
- On your SIN card;or confirmation letter: Service Canada;used to issue SINs in plastic card format, however presently, they are issued in paper format. Check your records for either;your;card or confirmation letter.
- On CRA documents:;Your SIN is used to identify you with the Canada Revenue Agency so youll find your SIN number on the first page of your tax returns and on any other documents or correspondence from the CRA.