My Social Security is an online service provided by the Social Security Administration (SSA) that allows you to review your earnings history, check current or future benefits, and access many other Social Security services. You will need a valid email address and your Social Security number to create an account.
To open a My Social Security account:
- Go to https://www.ssa.gov/myaccount/ and click on “Sign In or Create an Account.”
- Go to “Create an Account” and fill in the requested information.
- Create a username and password. This is your My Social Security account login.
- You’ll need to list a second identifier, either a cellphone number or an email address. Whenever you log in to your account, Social Security will text or email you a one-time code to use to complete verification. Social Security implemented this two-step process in 2017 to guard against unauthorized use and identity theft.
Establishing a My Social Security account online is useful even if you’re not yet collecting retirement benefits. Your account features a Social Security statement that lists your annual earnings history and estimated future benefits. Once you’ve filed a claim for benefits, you can use the account to track the status of your application.
It’s important to review your earnings history periodically to make sure it is correct, as Social Security uses your 35 highest-earning years to calculate your benefit. Your statement also provides estimates of benefits your spouse and children might collect in the event of your disability or death.
You can also use your My Social Security account to:
- Set up direct deposit of your benefit payment.
- Change your address or phone number.
- Request a benefit verification letter, which you can use as proof of income when applying for a loan or mortgage, or for government assistance such as Supplemental Nutrition Assistance Program (SNAP) benefits or housing vouchers.
- Request a replacement Medicare or Social Security card.
- Request a replacement SSA-1099 or SSA-1042S, the forms Social Security mails to you each January for tax purposes that summarize your benefits for the previous year.
- Check the status of a pending claim or appeal of disability benefits.
Keep in mind
- You cannot set up a My Social Security account if you have a security freeze or fraud alert on your credit report. You’ll need to temporarily lift the freeze or alert (you can reinstate it later). Alternatively, you can open an account in person at a Social Security office.