Benefit Calculation
Understanding Your Social Security Statement and Its Details
Verified against SSA POMS as of September 5, 2026
The short answer
Social Security Statements provide important details about your recorded earnings and benefit estimates. Statements issued to eligible individuals contain individualized data from SSA records, such as earnings and potential benefits, allowing individuals to plan their financial futures effectively.
Purpose of the Social Security Statement
The Social Security Statement, Form SSA-7005-SM, provides workers information on their reported earnings, tax contributions, and potential benefits for which they and their families may qualify. It can be requested by filling and mailing Form SSA-7004.
RM 01305.001 View source ›Contents of the Social Security Statement
The Statement includes an individualized estimate of potential retirement, disability, survivor, and family benefits payable on a record. If an individual does not meet the earnings credit requirements for a certain benefit type, the Statement explains why no estimate is provided.
RM 01310.010 View source ›Procedure for Accessing the Social Security Statement
Individuals aged 60 and older, not yet receiving benefits, automatically receive benefit statements annually if their mailing address is available. Alternatively, a Statement can be accessed anytime online via a secure my Social Security account. Additionally, workers can fill out and mail in a Form SSA-7004 to request a paper Statement be mailed to them at any time.
RM 01305.001 View source ›Requesting a Social Security Statement
To request a Statement, individuals must complete a prescribed form with name, SSN, date of birth, and other details. Requests can be made in writing, by calling, or visiting a social security office. The form must be signed and dated appropriately.
20 CFR 404.810 View source ›Frequently asked
What information does the Social Security Statement provide?
The Social Security Statement provides a detailed record of your earnings, tax contributions, and estimates of your potential benefits including retirement, disability, and survivors' insurance.
How can I request a copy of my Social Security Statement?
You can request a copy of your Social Security Statement by completing Form SSA-7004, either in print or via the SSA's secure online portal.
Can I access my Social Security Statement online?
Yes, you can access your Social Security Statement online by creating and signing into a secure 'my Social Security' account.
What should I do if I find an error in my Social Security Statement?
If you find an error in your Social Security Statement, contact the SSA immediately to correct your earnings record. Bringing evidence like W-2 forms, Schedule SE, or pay slips may assist in resolving discrepancies.
How often are Social Security Statements mailed to individuals?
Social Security Statements are mailed annually to eligible individuals aged 60 and older who do not receive benefits and have a verifiable mailing address.