How to Check Social Security Benefits

The Social Security Administration tracks, allocates and distributes benefits to Americans who are disabled or of retirement age. It is important for citizens of all ages to check their projected benefit amount each year to make sure they will have enough money to retire.

1. Look for a statement from the Social Security Administration in your mail. Each year, this government agency issues a statement that uses your past work history and income to determine the approximate benefit amount you are on track to receive when you retire. The statement breaks down the amount according to retirement age and includes disability information as well.


2. Visit the Social Security Administration's website to request a copy. If you have not received a copy of your benefits statement, the agency offers an online request service. Expect to receive a copy of your statement within two weeks.


3. Call the Social Security department in your area. Find out when you can expect to receive your benefits statement. If the statement was lost in the mail, ask the agency to send a replacement copy.


4. Ensure the statement is correct. Once you receive the benefits information, closely examine the statement to ensure your income amounts are accurate.


5. Be aware that the benefits information may be skewed. Younger American citizens may receive an amount that is less than reported on the benefits statement. This is because of the uncertain future of Social Security, caused by poor economic conditions.


6. Understand that those under the age of 25 do not receive a benefits statement.