What Nevadans Should Check in Their Social Security Statement

Discover expert tips, room-by-room checklists, and simple DIY solutions that empower you to act with confidence

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AARP

Published August 20, 2026

Social Security is a foundation of retirement income for many Nevadans. If you are between 50 and 64 and still working, the years before you claim are the best time to make sure the record behind your future benefit is correct. Your Social Security Statement shows what you have earned and estimates what you may receive. Reviewing it once a year takes only a few minutes, and it can protect income you have already earned.

Why checking your statement matters

Errors can lower your benefit for life. Your retirement benefit is based on your 35 highest-earning years. A missing or understated year can permanently reduce your monthly payment.
It gives you a real number to plan around. Your estimated benefits help you plan alongside a 401(k), a pension, or personal savings.
It helps protect your identity. Reviewing your earnings each year lets you confirm that the wages tied to your Social Security number are actually yours.

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What to review in your statement

Your earnings record

Check that each year of reported wages matches your W-2s or tax returns. Your most recent earnings may not appear yet, so a gap for the current year or last year is usually nothing to worry about.

Your estimated benefits at different ages

Age 62. The earliest you can claim, at a permanently reduced monthly amount.
Full retirement age. One hundred percent of your earned benefit. For anyone born in 1960 or later, full retirement age is 67.
Age 70. The largest monthly amount, because delaying past full retirement age adds delayed retirement credits. Your benefit does not grow after age 70.

Disability and survivor protection

Your statement also shows benefits that could help support you if you become disabled before retirement, and benefits that may be available to your family.

How to review your record in three steps

Create or sign in to your account. Visit https://www.ssa.gov/myaccount/
- to set up or log in to your free my Social Security account and open your statement.
Review and save your statement once a year. A simple reminder is to check it around your birthday, and save a copy for your records.
Correct any errors promptly. Gather proof such as old W-2s or pay stubs, then contact the Social Security Administration. You can request a correction using Form SSA-7008.