How do I check my Social Security earnings record for errors?

Create a free account at ssa.gov to view your personal Social Security Statement, which lists your earnings history year by year and projects your benefits at 62, full retirement age, and 70. Review the earnings record carefully — because your benefit is based on your highest 35 years, a missing or understated year can permanently lower your check. Errors happen when an employer reports wages under the wrong name or number, or omits them entirely. Compare each year against your old W-2s or tax returns, and report discrepancies to the SSA promptly, since older records become harder to correct. It is wise to check every year or two rather than waiting until you are about to claim. Once you confirm your numbers, plug them into wealthserene.com/tools/social-security-optimizer to test claiming ages.