December 2, 2014
Creating an on-line social security account

We wanted to make you aware that Social Security has re-started mailing out estimated benefit statements (they had discontinued mailing paper statements in mid-2011 as a cost saving measure, but the demand for paper statements caused them to re-start mailing out hard copies again).  Workers age 25, 30, 35, 40, 45, 50, 55, and 60 who are not receiving benefits will receive an estimated benefits statement around 3 months before their birthday.  After age 60, workers will receive a statement every year.

Social Security also allows workers to set up an on-line account at With this on-line account, you can:

  1. Keep track of your earnings and verify them every year,
  2. Get an estimate of your future benefits if you are still working,
  3. Get a letter with proof of benefits if you are currently receiving benefits, and
  4. Manage your benefits.

Please be aware that if you have a security freeze or fraud alert on your credit with Experian, you won't be able to set your account up on-line without lifting the freeze/fraud alert with Experian first.  During the process of setting up your account on-line, Social Security asks you "out of wallet" questions (i.e., questions that a fraudster wouldn't know about you if they had gotten your wallet) that they're using Experian for.  If the freeze/fraud alert is still in place with Experian, Social Security won't be able to set up your account via this on-line process.

You are able to leave the security freeze or fraud alert in place with Experian and get an on-line account established by visiting a Social Security branch in person.

If you have any questions about your Social Security planning, please let us know.  Thank you!