General, Online Services

This New Year, Learn About Social Security Online

January 12, 2023 • By

Reading Time: 1 Minute

Last Updated: November 2, 2023

woman reviewing items on a laptopSocial Security programs touch the lives of more than 70 million people. We work hard to ensure critical benefits and other services are accessible to you. Consider the start of the new year as an opportunity for you to engage with Social Security online. This begins with creating your free and secure personal my Social Security account.

Once you create an account, you can:

  • Apply for retirement, spouses, or disability benefits.
  • Apply for Medicare.
  • Check your application status.
  • Request a replacement Social Security number card.

If you do not receive Social Security benefits, you can use your personal my Social Security account to:

  • Get personalized retirement benefit estimates.
  • Get your Social Security Statement.
  • Get estimates for spouse’s benefits.
  • Get instant proof that you do not receive benefits.

If you receive benefits, you can use your personal my Social Security account to:

  • Change your address (Social Security benefits only).
  • Set up or change your direct deposit information (Social Security benefits only).
  • Instantly get proof of benefits.
  • Print your SSA-1099.

Your personal my Social Security account has a secure Message Center. You can choose to receive the annual cost-of-living adjustments and the income-related monthly adjustment amount online. Unless you opt-out of receiving notices by mail that are available online, you will receive both mailed and online notices.

Your personal my Social Security account offers easy access to features that save you time when you do business with us online. Check out our other resources available on our Online Services page.

Please share this information with your friends and loved ones who may need it.

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About the Author

Dawn Bystry, Associate Commissioner, Office of Strategic and Digital Communications

Deputy Associate Commissioner, Office of Strategic and Digital Communications


  1. Sudarat c.

    I have received benefit and still working and earn till now. And I earn more than some of my previous years before the retirement .Do my retire payment should be adjust? And when? Now I am 68 years old. I received the retirement since 62 years old.

    • Ann C.

      Hi, Sudurat. Thanks for your question. Each year we review the records for all Social Security recipients who work. If your latest year of earnings turns out to be one of your highest years, we refigure your benefit and pay you any increase due. This is an automatic process, and benefits are paid in December of the following year. Learn more about how work affects your benefits by visiting our Retirement Planner: Recieving Benefits While Working. We hope this information is helpful. 

  2. Ron P.

    My full retirement age is 66 and 6 months on January 8 2024. If I retire from work in September, how much can I make this year and start collecting in September ?

    • Ann C.

      Hi, Ron. Thanks for your question. If you are younger than full retirement age and earn more than the yearly earnings limit, we may reduce your benefit amount. If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2023, that limit is $21,240. For more information about how work affects Social Security retirement payments, please visit our Frequently Asked Questions. We hope this helps. 

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