Why You Should Create a My Social Security Account

A my Social Security account allows you to view your contributions to social security and will give you an estimate of how much you will receive if you sign up for benefits at your full retirement age, age 62 and age 70. The Full retirement age is 66 for most baby boomers and 67 for everyone born in 1960 or later.

If you wait until your full retirement age to collect payments, you’ll receive the full amount of your benefits. Filing for benefits before you reach full retirement age could lead to a decrease in your monthly payment amount.

Your social security account also tells you how much your benefit will be if you become disabled. This is important for older workers, who are not at full retirement age, who may have been struggling to work with physical or mental conditions before COVID-19. If you have been laid off due to COVID-19 and you have an injury or illness that makes it unlikely you will be called back or find another job, you should consider applying for Social Security disability. For most long time workers, your disability benefit is typically the same as your full retirement age benefit.

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