New Year’s Resolution: Get a my Social Security Account

2016, silhouette of a woman standing in the sun, blue sky

The holidays are over, and a new year is upon us. Now that you have no more holiday parties to attend or gifts to buy, you’re probably kicking off the New Year with your resolutions to improve your life.

With a healthy, new you in mind, you got a shiny new gym membership and revamped your grocery list to add more vegetables. You made resolutions to better manage your finances and to finally start planning for your long-term financial security, which you’ve been putting off because you didn’t know where to start. Now is the perfect time of year to do a financial planning checkup. And what’s more, we can tell you the best place to start.

We have a solution that is easy, convenient, and secure; sign up for a personal my Social Security account. You can do so from the comfort of your own home, office, or any preferred location. It only takes a few minutes, and once you see all the benefits of having an account, you will be so glad you followed through with this resolution.

If you’re still working, you can use your my Social Security account to access your Social Security Statement to keep track of your earnings and verify them every year. You can review the estimated Social Security and Medicare taxes you paid.

You can also get a benefit verification letter stating that you never received benefits, received benefits in the past, or a letter stating that you applied for benefits, but your claim hasn’t been approved. If you’re currently receiving benefits, you can use your my Social Security account to get a letter stating your benefits, and to check your benefit and payment information. You can also change your address or telephone number, start or change your direct deposit, and get a replacement SSA-1099 or SSA-1042S.  And now, in several states, many can get a replacement Social Security card!

Managing your information has never been easier.

Sign up for a my Social Security account today and cross this resolution off your list. You’ll be so glad you started the New Year right by taking these easy steps to have a better financial future.


68 thoughts on “New Year’s Resolution: Get a my Social Security Account

  1. If I have been working as a self employed most of my life and filing taxes every year will benefit me for my retirement as well as getting paid by check?

    • Good question Blanca! 94% of all workers are covered are either employed or self-employed in work covered by Social Security This means they pay into Social Security and are subject to either payroll (FICA) or self-employment (SECA) taxes. Even those working in covered employment must work long enough and make enough money to earn the required “credits”. If a person works but does not pay Social Security taxes, that person may not qualify for Social Security benefits. See our Retirement Planner: Self-Employment web page and read our publication “If You Are Self-Employed” for more information.

      • Americans working or living outside of the continental United States. Are not eligible for access to “Social Security My personal account”. With today’s technology; every American should have access to their Social Security Account from any place on this planet.

  2. Tengan ustedes muy buenos dias,
    Desfe el pasado Agosto de 2015, que solicite mexiante formulario mi pension de viudez de tipo open benefit .Hasta la fecha espero mi numero de beneficiaroa y una respuesta al tema.Hoy ingresaron los papeles por medio del Consulado de USA en Santiago de Chile.
    Quedo a la espera de su valiosa respuesta.

  3. Why did we not get a raise in our checks this year the price of everything has gone up and up just because the price of gas is down we can drink gas

    • Generally speaking when the cost of fuel goes down so does the price of other things even if that change lags behind. So you’d see the cost of utilities also going down in many areas. The food costs should be reflected in the delivery costs. The inflation rate has not been high enough to trigger a COLA increase. Expect an early announcement for next year and an increase. It’s an election year and politicians are not wont to not have a COLA before an election of such importance.

  4. How to refer SSN not received so far but others are mentioning Let me know my SSN for security. No banks showing status of accounts
    FCC to supervise all biz activities to get daily updates. Keep transparency in daily activities. Thanks… 04.01.2016 20.35
    Biz policy not yet decided get it set asides as earlier Boston knows all.

    • Hi William, to create an account click here. Read and follow the steps provided. Thanks!

  5. What a great, useful service! A “my Social Security” account has important information for everyone, not just people receiving retirement or disability benefits.

    On my wishlist: I’d love to see the day Ticket to Work eligible beneficiaries could ask for a Benefits Planning Query through a “my Social Security” account.

    • Thank you Alexandra for your positive comment and for using our online services. Your feedback is greatly appreciated! We value our customers’ suggestions to further improve the services we offer.
      In the meantime, you can check out our Benefit Planning Query Handbook for more information related to our work incentives programs.

  6. Last year my 70 yr. old wife had to pay in $265 dollars to cover the shortfall in coverage for her Medicare because her SS benefits are not enough to cover the annual cost. This year the cost will be $465. Why the $200 increased cost?

    • Hi William! We are sorry to hear about your wife’s situation. Unfortunately and because of security reasons we do not have access to personal records in this blog and cannot answer your question at this time. One of our representatives should be able to provide your wife with an explanation and answer her questions about this matter. She can call our toll free number at 1-800-772-1213 Monday to Friday between 7 a.m. and 7 p.m. or visit her local Social Security office for further assistance.

  7. I am really happy to read the messages. I need one experienced counselor for my personal situation as a third dimension. Is there any one who can help me by providing information about the family counselor/marriage counselor. I will be grateful. May be I can try to be counselor because I did a degree in counseling and psychotherapy.

  8. It will be wonderful if I can have social security account not only locally but internationally. Why I can’t have an account when I reside abroad? I hope you take this in consideration. It will be of a great help to notify you about my whereabouts and avoid any paper work.
    Thank you for your superior services as always.

    • Thank you Mohamed for your positive feedback. We value your opinion of us and look forward to many more years of serving you in the future. The “my Social Security” authentication system requires address verification as one of the essential criteria for issuing an account. At this time you must have a U. S. mailing address to create or to access your online account from outside the United States. People with APO/FPO/DPO addresses can create an account overseas, but our system does not support registration and account creation for users with a foreign address yet. When living abroad please contact your local U.S. embassy or consulate for any assistance related to your Social Security benefits.

  9. I have tried to sign up for a my social security account, but the site won’t let me. It says I am not in the system. I file IRS tax returns with my husband each year. I have a checking account and a cellphone account, but no credit cards or loans.
    Why can’t I create an account?

    • Hello Jeanne, if you are having difficulties creating your personal my Social Security account, please call 1-800-772-1213 for assistance. After you hear “Briefly tell me why you are calling,” say “Help Desk” for help with a my Social Security account. Sometimes, it might be best to visit your local Social Security office for further assistance.

  10. It is not right that the IRS requires that seniors pay income taxes on Social Security benefits when earnings plus 1/2 SS benefits exceed $25000. We have already paid taxes on the earnings. When I retired this was not the law. This law changed when obama became president and needed money to fund obamacare. It is not right and should be repealed immediately.

  11. Every time I set up a S.S. account and don’t log in for a while, my I D and password no longer work and I get locked out of the system. This is a big pain. Other online systems don,t have this problem, just social security on line.
    Frank A.

      • @Ray Fernandez:

        Hire better programmers. Write better code. USE LINUX. A netcat (Ubuntu) said you’re using Microsoft IIS. That is WRONG. 90% of the world’s websites run on Linux. FACT.

        And if people are already receiving benefits… SKIP THE FUCKING CHECKS WITH EXPERIAN. I have been trying 30 times to sign up for nought. I know better people who can do this better IN LINUX.

  12. Anyone who is on SSI or SSDI with no other source of income did not have any money to spend on gifts for the holidays because the guidelines for what you get have not been updated since the 1970s even though the cost of living has skyrocketed! I am one of those and I tell you I don’t get enough to make basic living expenses on a starvation diet let alone a healthy one. It can’t be done. And I know that I get more than many because I had a good job before becoming disabled. This is a crime against the American people and is shameful for one of the richest countries in the world to treat it’s citizens this way. People are already dying because Congress didn’t want to pay anymore and in 1983 started denying claims left and right including disabled children, veterans, people who got addicted to drugs their doctors put them on then abandoned. This is why we have a homeless epidemic. But people would rather blame the victim than do what is right. When the poor, elderly, veterans, disabled, mentally ill, addicts, and children die, who do you think they will go after next? Statistically, the middle class is only a couple of paychecks away from the rest of those who “don’t count”. Wake up people! The rich, corrupt, self centered, and power hungry have taken our country away from us! Don’t let them. Do what’s right.

  13. Don’t understand why my payment history says there were 3 payments on 12/31/15, but I have not received anything by mail or direct deposited , have called multiple times no one seems to be able to figure it out, keep telling me, wait as little longer.

  14. My benefits were reduced by $243.00 in November & December 2015. Then I received a recent notice that says I SHOULD be receiving the original amount I was getting BEFORE the reduction in Nov. & Dec.2015. Need explanation. Thank you.

  15. Please – I tried to create a My Social Security online account for the very first time and get the message “We cannot create an account for the Social Security number you entered” and gave as the only option their general phone number to address this with a stated minimum hour wait. This is ridiculous and government at its worst. So tough luck for me and accessing my own information?

    • Hello Andrew, we apologize for the inconvenience. If you are having difficulties creating your personal my Social Security account, please call 1-800-772-1213 for assistance. After you hear “Briefly tell me why you are calling,” say “Help Desk” for help with a my Social Security account. Sometimes, it might be best to visit your local Social Security office for further assistance.

  16. I handle the finances and medical issues for a 91 year old who is in a skilled nursing facility under hospice care. I have power of attorney, am on her bank accounts, make her health care decisions and have all of her belongings stored in my garage. All I want to accomplish is a change of address with SSA. After standing in line for half hour a representative gave me a form to fill out and sent me to get the lady’s signature, which fortunately she could still write. Then I was in line (with my walker) for one and a half hours to get to the window and be told I still couldn’t change the address even with the signature, her social security card and her other id’s. I do not wish to sign up to be a rep/payee and add additional burden to my life so my choices are: break the law by creating a “My Account” for her or just forget about changing the address. The latter is my decision – the funds are direct deposited and I can figure out the annual total by adding the medicare deduction to the deposited amount.

    • Hi Leah. We are sorry to hear of the inconveniences you experienced while trying to help out. We hope you understand our role in protecting everyone’s personal information. However, it sounds like your lady friend needs help managing her Social Security benefits. A Representative Payee is different than having “Power of Attorney”. As a representative payee, it will make it easier for you in the future to update information for this beneficiary. When friends or family are not able to serve as payees, Social Security looks for qualified organizations to be representative payees. In this case, the nursing facility may consider applying to be the representative payee. Please consider talking with the nursing facility manager or administrator about this important issue, they will contact us if they have specific questions or to understand the facility’s responsibilities. Thanks!

  17. I tried to sign up today, and the site said “We cannot create an account for the Social Security number you entered.”. No other information. What’s the deal? What kind of things block it? I’m a pretty normal person with no criminal background and receive social security statements every year, and I have correct information about me.

    • Hello Dave, we apologize for the inconvenience. You cannot create a my Social Security account online if you have a security freeze, fraud alert, or both on your credit report. However, you can still create an account without removing the security freeze or fraud alert. To do this, you will have to visit your local Social Security office. Hope this helps!

      • I had the same problem. I went to my local Social Security office today, waited in line for an hour, and then was told that they couldn’t set up my account because of my credit freeze. They said I had to unfreeze my credit to do it.

        • I don’t have a freeze and wasn’t able to create one and I have no reason why. I also tried to call the number and was told I had an hour and a half wait. I have not received a letter in my social security statement in years!!!!

  18. Never mind, I found the answer on the web site. I put a freeze on my credit reports to protect against identity theft, and it says you cannot setup an account online if you have that. 🙁 With all the security breaches of online data that are increasingly rampant, a security freeze is a must if you want to protect yourself from ID theft, and I imagine more and more people are going to be freezing their credit reports. Unfortunately, your web site account creation page does not tell us about this restriction and give a workaround, or even let us know that was the problem.

  19. I tried to create an account and the website said it could not create an account for my social security number. It gave no reason, just provided an 800 number. Very disappointing since I born in the U.S., and have been working for more than 40 years. I have no security freeze or fraud alert on my credit report. I don’t want to be at an office for an hour or more for them not to be able to help me. What is the solution?

    • Hi Cathy, please call 1-800-772-1213 for assistance. After you hear “Briefly tell me why you are calling,” say “Help Desk” for help with a my Social Security account, and explain your situation. Thanks!

  20. I tried to create a “My Social Security Account” but I could not because I do not have an address in the USA. I am an American citizen and veteran, but I live in France and have lived here for the past 25 years. Today, I am retired and receiving a Social Security pension. I would like to have a “My Social Security Account”. Can you help?

    • We are sorry for the inconvenience, Mr. Durner. The “my Social Security” authentication system requires address verification as one of the essential criteria for issuing an account. People with APO/FPO/DPO addresses can create an account overseas, but our system does not support registration and account creation for users with a foreign address yet. Please contact your local U.S. embassy or consulate for any assistance related to your Social Security benefits. Also, our Office of International Operations home page provides more information to assist our customers living abroad. We hope this information helps!

  21. I tried to set up an account and I got the message that I had to confirm all these credits I supposedly have going on including a mortgage which is false. Why does this happen, where does that information come from ?

  22. Cant sign up. my Social Security account Get the following Error [We cannot create an account for the Social Security number you entered]

  23. 1/8/17 I tried once yesterday and again today to set up an account. Both times I could only proceed so far and was blocked from going further. They listed loans and credit cards that I never applied for nor had. They asked about “another name” I might have used. None applied to me. All I want to do is change my address. I have not moved. The Post Office assigned me a physical address. I really DO NOT WANT an online account. I only want to change my address. Can I do this over the phone? Do I call the main Social Security number or my local Social Security office to make the address change via phone? Please give me a specific answer. Thank you.

  24. My son recently turned 18 and is in need of a replacement Social Security Card. I recently set up an account for myself and ordered a replacement card for myself so I new how easy the process is to get a replacement online. I really don’t want to have to mail in original documents and hope I get them back or go to my nearest Social Security Office because it’s not very close to me. Anyway, so I want to create him an account with Social Security but after I put in all the info ( name, ss#, address, date of birth) and click next a message comes up that some of the info is not correct and to correct it. All the info is correct But after 3 times it locks me out for 24hrs. I have been locked out twice. I am wondering if it is because he has never had a job or anything, therefore it has no record of him or if someone may have tried to set up an account already under his name in am attemp to get a card? If I call can they just reset his account up for me so I can do the social security application online still?

    • Hi Crystal. Thanks for your inquiry. You can only create a my Social Security account using your own personal information and for your own exclusive use. You cannot create or use an account on behalf of another person, even if you have that person’s written permission. You can never share the use of your account with anyone else under any circumstances. Your son can call our Help Desk at 1-800-772-1213 for assistance. After he hears “Briefly tell me why you are calling,” please have him say “Help Desk” for help with his my Social Security account. In some cases, it’s best to visit your local office for further assistance. Good luck!

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