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Are You Collecting All the Social Security You're Due?

Written by Dana George for The Motley Fool -> The Social Security Administration (SSA) doesnโ€™t always get it right. Your first step is to check your earnings record, as maintained by the SSA. If youโ€™re unsure of how much you earned in a particular year, there are steps you can

Are You Collecting All the Social Security You're Due?
Nasdaq News โ€” 15 June 2026
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The Social Security Administration (SSA) doesnโ€™t always get it right.

Your first step is to check your earnings record, as maintained by the SSA.

If youโ€™re unsure of how much you earned in a particular year, there are steps you can take to find out.

When it comes to your Social Security benefits, every dollar matters. No matter how much you receive, if you've never checked the Social Security Administration's (SSA) record of your earnings against your own records, how can you know for sure that the amount you're receiving is correct?

The SSA sends monthly benefits to more than 73 million people, which helps explain how occasional mistakes can slip through. According to AARP, those mistakes are quite rare but not unheard of.

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If you're looking for reassurance that the Social Security benefit you're receiving is right, here's a step-by-step guide to finding out.

If you're missing proof of income from the past 10 years, like a tax return, you can download a transcript of that tax year for free from the IRS. You typically don't need the physical tax return; a transcript is sufficient for an SSA dispute.

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