While the Social Security Administration will still mail you a statement once a year if you’re over the age of 60, they really encourage everyone to create a “my Social Security” account for better security and easier access to forms and information. With an online account, you don’t have to wait for the mail to arrive or worry whether you missed your letter, and you can check your benefits, earnings history, and more at any time once you’re set up.  

The video above walks you through the whole process (using Login.gov), but let’s take a look at the perks of creating an account first. 

With a “my Social Security” account, you’ll be able to:¹

• Request a replacement Social Security card 

• Upload documents and submit online forms 

• Set up or change direct deposit 

• Access your current and historical 1099 tax forms 

• Access your annual cost-of-living adjustment benefit amount 

• Print a benefit verification letter 

• Change your address 

Even if you aren’t receiving benefits right now, creating an account allows you to get personalized retirement benefit estimates, estimates for a spouse’s benefits, check your application status, and get your Social Security statement. 

If you’re thinking that sounds good and you’re ready to begin the process, here’s what you’ll need to get started: 

• An active email address 

• A valid driver’s license 

• Your Social Security number 

• A phone number in your name 

• The camera feature on your phone (to take photos of yourself and your ID) 

It takes just a few minutes, and then you’re officially linked up and ready to manage your benefits online! Press play on the video above and let the SSA guide you. It’s super helpful and will show you exactly what to expect. 

Taking this simple step is a great way to make some progress on your retirement to-do list! But Social Security is more complex than just setting up your online account. Leave the complicated stuff to us. Reach out today for a conversation on how to help integrate your Social Security benefits with your overall retirement plan to help maximize your income! 

TL;DR:

A “my Social Security” account allows you to securely access your Social Security benefits, earnings history, tax forms, and personal information online. Creating an account makes it easier to manage your benefits, track retirement estimates, and stay informed. While setup is quick, integrating Social Security into your broader retirement strategy often requires careful planning.

FAQ: my Social Security Account

1. What is a “my Social Security” account?
   It’s a secure online portal provided by the Social Security Administration that allows you to access and manage your Social Security information.
2. Why should I create a my Social Security account?
   An account lets you view benefit estimates, earnings history, COLA updates, tax forms, and manage personal details without waiting for mailed statements.
3. Do I need to be receiving Social Security benefits to create an account?
   No. Anyone can create an account to view estimates and monitor their Social Security record.
4. What do I need to set up a my Social Security account?
   You’ll need an email address, Social Security number, government-issued ID, phone number, and access to a device with a camera.
5. How does Social Security fit into a retirement plan?
   Social Security is one income source among many. Timing, taxes, and coordination with other assets can significantly impact long-term retirement income.